<SEC-DOCUMENT>0001104659-22-030147.txt : 20220304
<SEC-HEADER>0001104659-22-030147.hdr.sgml : 20220304
<ACCEPTANCE-DATETIME>20220303183315
ACCESSION NUMBER:		0001104659-22-030147
CONFORMED SUBMISSION TYPE:	20-F
PUBLIC DOCUMENT COUNT:		472
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220304
DATE AS OF CHANGE:		20220303

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NatWest Group plc
		CENTRAL INDEX KEY:			0000844150
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			X0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		20-F
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10306
		FILM NUMBER:		22711045

	BUSINESS ADDRESS:	
		STREET 1:		GOGARBURN
		STREET 2:		PO BOX 1000
		CITY:			EDINBURGH, SCOTLAND
		STATE:			X0
		ZIP:			EH12 1HQ
		BUSINESS PHONE:		441315568555

	MAIL ADDRESS:	
		STREET 1:		GOGARBURN
		STREET 2:		PO BOX 1000
		CITY:			EDINBURGH, SCOTLAND
		STATE:			X0
		ZIP:			EH12 1HQ

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ROYAL BANK OF SCOTLAND GROUP PLC
		DATE OF NAME CHANGE:	19950712
</SEC-HEADER>
<DOCUMENT>
<TYPE>20-F
<SEQUENCE>1
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<DESCRIPTION>FORM 20-F
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contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:EntityIncorporationStateCountryCode" id="Narr_go0J10X0fkqL3DGCcsdq4Q"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">United Kingdom</b></ix:nonNumeric></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">(Jurisdiction of incorporation)</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:EntityAddressAddressLine1" id="Narr_O3YD1OB2Z0uY_vOQqJEcuw"><b 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_dei_EntityAddressesAddressTypeAxis_dei_BusinessContactMember_MA_uLyDJ1kWfnRTnhwRRXg" name="dei:ContactPersonnelName" id="Narr_FxFcbUwOAEquI0F9fVPLNA"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Jan Cargill</b></ix:nonNumeric><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">, Chief Governance Officer and Company Secretary,</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Tel: </b><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_dei_EntityAddressesAddressTypeAxis_dei_BusinessContactMember_MA_uLyDJ1kWfnRTnhwRRXg" name="dei:CityAreaCode" id="Narr_GvIaGllO_kOTUVTAJjkfww"><b style="font-family:'Times New 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contextRef="Duration_1_1_2021_To_12_31_2021_dei_EntityAddressesAddressTypeAxis_dei_BusinessContactMember_MA_uLyDJ1kWfnRTnhwRRXg" name="dei:EntityAddressAddressLine1" id="Narr_Nm8-cO46tUGfRI1Uwm3h1w"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">PO Box 1000</b></ix:nonNumeric><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">, </b><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_dei_EntityAddressesAddressTypeAxis_dei_BusinessContactMember_MA_uLyDJ1kWfnRTnhwRRXg" name="dei:EntityAddressAddressLine2" id="Narr_TU7FXLH8Yke95OdQ4ZaLJg"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Gogarburn</b></ix:nonNumeric><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">, </b><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_dei_EntityAddressesAddressTypeAxis_dei_BusinessContactMember_MA_uLyDJ1kWfnRTnhwRRXg" name="dei:EntityAddressCityOrTown" id="Narr_i55lhMRkmEGuVR-646hI2g"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Edinburgh</b></ix:nonNumeric><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;"> </b><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_dei_EntityAddressesAddressTypeAxis_dei_BusinessContactMember_MA_uLyDJ1kWfnRTnhwRRXg" name="dei:EntityAddressPostalZipCode" id="Narr_RD80zKpxMkGSMWjVf9mOEg"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">EH12 1HQ</b></ix:nonNumeric></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">(Name, Telephone, E-mail and/or Facsimile number and Address of </span><span style="-sec-ix-hidden:Hidden_navtgZnNGku69lLu0aYbXg;"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;font-style:normal;font-weight:normal;">Company</span></span><span style="font-family:'Times New Roman','Times','serif';"> Contact Person)</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Securities registered or to be registered pursuant to Section&#160;12(b)&#160;of the Act:</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><a id="_3aded1b0_c5d8_4bd5_85f8_bfdbb0d6a42e"></a><a id="Tc_YBSbH9Gysk6OeyFQAmwFhA_1_0"></a><a id="Tc_20xQ-hW2u0mTeAM50VPT_Q_1_2"></a><a id="Tc_KJuarJwIaEiH1uHeE_ek8A_1_4"></a><a id="Tc_o3e-dBMjD0O-FJE1Qr69DQ_3_4"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td></tr><tr><td style="vertical-align:bottom;width:55.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Title of each class</b></p></td><td style="vertical-align:bottom;width:1.89%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;width:8.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Trading</b><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;"><br /></b><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Symbol&#160;(s)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;width:31.51%;border-bottom:1px solid 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Roman','Times','serif';">American Depositary Shares, each representing 2 ordinary shares, nominal value &#163;1 per share</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember_60w7XvO6pE6ANHySgX4REg" name="dei:TradingSymbol" id="Tc_EM2upRIf30-TocaSwP3bPg_2_2"><span style="font-family:'Times New Roman','Times','serif';">RBS</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember_60w7XvO6pE6ANHySgX4REg" name="dei:SecurityExchangeName" id="Tc_mQZv2pVghEyDnsPwdRorJw_2_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" name="dei:Security12bTitle" id="Tc_Z0SHBhiaQEGojplNSMjYqg_3_0"><span style="font-family:'Times New Roman','Times','serif';">Ordinary shares, nominal value &#163;1 per share</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" name="dei:SecurityExchangeName" id="Narr_gLvI51S76U6ArRFGsEt23g"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';">*</span></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_DollarPerpetualRegulatoryTier1SecuritiesMember_jk1vNqj4-Ue90bYd6Pc8wQ" name="dei:Security12bTitle" id="Tc_RCJwJys3LkiM8m1itQ9J0A_4_0"><span style="font-family:'Times New Roman','Times','serif';">Dollar Perpetual Regulatory Tier 1 Securities</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_DollarPerpetualRegulatoryTier1SecuritiesMember_jk1vNqj4-Ue90bYd6Pc8wQ" name="dei:TradingSymbol" id="Tc_96y4xbMqhkaEYgOjSOihpA_4_2"><span style="font-family:'Times New Roman','Times','serif';">RBSP1</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_DollarPerpetualRegulatoryTier1SecuritiesMember_jk1vNqj4-Ue90bYd6Pc8wQ" name="dei:SecurityExchangeName" id="Tc_CVz2QUzXRUKzvQXqlbgxQA_4_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorNote3.875SeniorNotesDue2023Member_F1INIC_rTkO30prTAAllNA" name="dei:Security12bTitle" id="Tc_WPU4r_7Jb0CfK1je9EE-Iw_5_0"><span style="font-family:'Times New Roman','Times','serif';">3.875% Senior Notes due 2023</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorNote3.875SeniorNotesDue2023Member_F1INIC_rTkO30prTAAllNA" name="dei:TradingSymbol" id="Tc_zMN9graUnk6lRDvnaGBjZA_5_2"><span style="font-family:'Times New Roman','Times','serif';">RBS23B</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorNote3.875SeniorNotesDue2023Member_F1INIC_rTkO30prTAAllNA" name="dei:SecurityExchangeName" id="Tc_rgRTFHncgkKH4ICXHRJu8A_5_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.125SubordinatedTier2NotesDue2022Member_ePtKc1L3E0-tDilvsRhjOg" name="dei:Security12bTitle" id="Tc_CUaKik_EEUeDI5ngt02D_w_6_0"><span style="font-family:'Times New Roman','Times','serif';">6.125% Subordinated Tier 2 Notes&#160;due 2022</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.125SubordinatedTier2NotesDue2022Member_ePtKc1L3E0-tDilvsRhjOg" name="dei:TradingSymbol" id="Tc_452c04aEM0ir-6lxBIts_g_6_2"><span style="font-family:'Times New Roman','Times','serif';">RBS22</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.125SubordinatedTier2NotesDue2022Member_ePtKc1L3E0-tDilvsRhjOg" name="dei:SecurityExchangeName" id="Tc_NtZrwpaW70GyV0b7ScMVpg_6_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.000SubordinatedTier2NotesDue2023Member_qUpyUqqbt0ih8AueEzcn6A" name="dei:Security12bTitle" id="Tc_cVNV8mifbkaiLf0wSrh6aA_7_0"><span style="font-family:'Times New Roman','Times','serif';">6.000% Subordinated Tier 2 Notes&#160;due 2023</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.000SubordinatedTier2NotesDue2023Member_qUpyUqqbt0ih8AueEzcn6A" name="dei:TradingSymbol" id="Tc_SarDGdBJ7kSjYZmGcysKig_7_2"><span style="font-family:'Times New Roman','Times','serif';">RBS23A</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.000SubordinatedTier2NotesDue2023Member_qUpyUqqbt0ih8AueEzcn6A" name="dei:SecurityExchangeName" id="Tc_SGJ1vWIkUkGITVZ8DbSqPw_7_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.100SubordinatedTier2NotesDue2023Member_SS8fb3xEi0KMnASKDrYBow" name="dei:Security12bTitle" id="Tc_EbD2TnaSUk6V6P_yEsT1Tg_8_0"><span style="font-family:'Times New Roman','Times','serif';">6.100% Subordinated Tier 2 Notes&#160;due 2023</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.100SubordinatedTier2NotesDue2023Member_SS8fb3xEi0KMnASKDrYBow" name="dei:TradingSymbol" id="Tc_TA-_8O4WUE-Po_JHSTKCYw_8_2"><span style="font-family:'Times New Roman','Times','serif';">RBS23</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note6.100SubordinatedTier2NotesDue2023Member_SS8fb3xEi0KMnASKDrYBow" name="dei:SecurityExchangeName" id="Tc_4gpF0TLyaUSpZFdW5qpsqw_8_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note5.125SubordinatedTier2NotesDue2024Member_yr6s5xmAzEiRiJM1ICihRg" name="dei:Security12bTitle" id="Tc_Mf_EkC2jjk6WBqfaB-EIbA_9_0"><span style="font-family:'Times New Roman','Times','serif';">5.125% Subordinated Tier 2 Notes due 2024</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note5.125SubordinatedTier2NotesDue2024Member_yr6s5xmAzEiRiJM1ICihRg" name="dei:TradingSymbol" id="Tc_Jx8L13o9e06iKT12DQVyKw_9_2"><span style="font-family:'Times New Roman','Times','serif';">RBS24</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note5.125SubordinatedTier2NotesDue2024Member_yr6s5xmAzEiRiJM1ICihRg" name="dei:SecurityExchangeName" id="Tc_VH8lWIUGaEKyknaRnrEOAw_9_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member_1laALMOX30GpyTJK6rM2dw" name="dei:Security12bTitle" id="Tc_xf_vOSAoS0uSJi9tgOA0iA_10_0"><span style="font-family:'Times New Roman','Times','serif';">3.754% Fixed-to-fixed Reset Rate Subordinated Tier 2 Notes due 2029</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member_1laALMOX30GpyTJK6rM2dw" name="dei:TradingSymbol" id="Tc_y_fY6UySG0-_daRrcXgiBw_10_2"><span style="font-family:'Times New Roman','Times','serif';">RBS29A</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member_1laALMOX30GpyTJK6rM2dw" name="dei:SecurityExchangeName" id="Tc_VKz3QRGOpEys6fqNystkuw_10_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member_tOP8331WHUWqM0u27f7VIg" name="dei:Security12bTitle" id="Tc_sR5_smZH30GJ6G03stxI2w_11_0"><span style="font-family:'Times New Roman','Times','serif';">3.032% Fixed-to-fixed Reset Rate Subordinated Tier 2 Notes due 2035</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member_tOP8331WHUWqM0u27f7VIg" name="dei:TradingSymbol" id="Tc_V9Zj-Gq94EablYBPvBeCXw_11_2"><span style="font-family:'Times New Roman','Times','serif';">NWG35</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member_tOP8331WHUWqM0u27f7VIg" name="dei:SecurityExchangeName" id="Tc_H-n5CqJRZ0WYFyiy-c3NVw_11_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member_LDjELzmunE-F2D-LAJszZw" name="dei:Security12bTitle" id="Tc_YLvzhErvgk6pk-MaAp1k5Q_12_0"><span style="font-family:'Times New Roman','Times','serif';">3.498% Fixed Rate / Floating Rate Senior Notes due 2023</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member_LDjELzmunE-F2D-LAJszZw" name="dei:TradingSymbol" id="Tc_UPsjLTKfAkm5gkm41zuvUw_12_2"><span style="font-family:'Times New Roman','Times','serif';">RBS23D</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member_LDjELzmunE-F2D-LAJszZw" name="dei:SecurityExchangeName" id="Tc_9DsqahV14kuDwyaGfUROJA_12_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member_8ko9o2kS-ESy5wqhYo8eFw" name="dei:Security12bTitle" id="Tc_Bc5lYoWD9UK21L1OYNuBeg_13_0"><span style="font-family:'Times New Roman','Times','serif';">4.519% Fixed Rate / Floating Rate Senior Notes due 2024</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member_8ko9o2kS-ESy5wqhYo8eFw" name="dei:TradingSymbol" id="Tc_6k9tF6OQJEW-a2LNO3hM-A_13_2"><span style="font-family:'Times New Roman','Times','serif';">RBS23A</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member_8ko9o2kS-ESy5wqhYo8eFw" name="dei:SecurityExchangeName" id="Tc_JJBmYdNqVE-P2TbExYkYtQ_13_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member_3wu3zJF4dUeuuxC6UXxx7w" name="dei:Security12bTitle" id="Tc_tmW-5sKqrUKkxt1-icBqOg_14_0"><span style="font-family:'Times New Roman','Times','serif';">2.359% Callable Fixed-to-fixed Reset Rate Green Senior Notes due 2024</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member_3wu3zJF4dUeuuxC6UXxx7w" name="dei:TradingSymbol" id="Tc_Ix_mJxzt5Emrl2F6_SQbrQ_14_2"><span style="font-family:'Times New Roman','Times','serif';">RBS24C</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" 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style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member_ggWAFUScYE67Es-yGi5_zg" name="dei:TradingSymbol" id="Tc_yuzIMtvMeES81-vvyU4iEA_15_2"><span style="font-family:'Times New Roman','Times','serif';">RBS25</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member_ggWAFUScYE67Es-yGi5_zg" name="dei:SecurityExchangeName" id="Tc_x5FiIgqpOECuo3z91gcw9Q_15_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member_5k_G9y_JS0iPaZIQeRvj6g" name="dei:Security12bTitle" id="Tc_x692dW_Gfk-3pX_vP_WWWA_16_0"><span style="font-family:'Times New Roman','Times','serif';">1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2027</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member_5k_G9y_JS0iPaZIQeRvj6g" name="dei:TradingSymbol" id="Tc_kNfhhHq5NESvO0P04WgU9w_16_2"><span style="font-family:'Times New Roman','Times','serif';">NWG27</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" 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style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member__kQDDmI62060ywNnNDe9eg" name="dei:TradingSymbol" id="Tc_RChKhNjj60-o7npn5IT4KA_17_2"><span style="font-family:'Times New Roman','Times','serif';">RBS28</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member__kQDDmI62060ywNnNDe9eg" name="dei:SecurityExchangeName" id="Tc_SJZ7BLIDikKWt0WlmR07Yw_17_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member_11J4T7eR6EmRklUe32BpUw" name="dei:Security12bTitle" id="Tc_mqv0Y225d02ym8VSfTy3SA_18_0"><span style="font-family:'Times New Roman','Times','serif';">4.892% Fixed Rate / Floating Rate Senior Notes due 2029</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member_11J4T7eR6EmRklUe32BpUw" name="dei:TradingSymbol" id="Tc_l56Vg4IkV0KMWpf4_NA31Q_18_2"><span style="font-family:'Times New Roman','Times','serif';">RBS29</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member_11J4T7eR6EmRklUe32BpUw" name="dei:SecurityExchangeName" id="Tc_PEoZ6ny1_kGiaT6LskMnVw_18_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member_BBPxBlsRxUOdfp9xFHxsdA" name="dei:Security12bTitle" id="Tc_gXsVrEPDdkKLCvIeqIdmpw_19_0"><span style="font-family:'Times New Roman','Times','serif';">5.076% Fixed Rate / Floating Rate Senior Notes due 2030</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member_BBPxBlsRxUOdfp9xFHxsdA" name="dei:TradingSymbol" id="Tc_BznZZST6Tkq15aKdUZbkZg_19_2"><span style="font-family:'Times New Roman','Times','serif';">RBS30</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member_BBPxBlsRxUOdfp9xFHxsdA" name="dei:SecurityExchangeName" id="Tc_SWjxFbuyWk2Rr0dMA3uoww_19_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member_msp8CUo1Y0aO6z_W3zVpCg" name="dei:Security12bTitle" id="Tc_R9k3gFshOUGxKbjB9_QoHw_20_0"><span style="font-family:'Times New Roman','Times','serif';">4.445% Fixed Rate / Floating Rate Senior Notes due 2030</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member_msp8CUo1Y0aO6z_W3zVpCg" name="dei:TradingSymbol" id="Tc_zvJREo6jGUat63RCNPPTRA_20_2"><span style="font-family:'Times New Roman','Times','serif';">RBS30A</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member_msp8CUo1Y0aO6z_W3zVpCg" name="dei:SecurityExchangeName" id="Tc_9KtaT0aLRkSMDWV8yGqpVw_20_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Notes4.8FixedRateNotesDue2026Member_N9w5ExDEj06TCgsxU1wV9A" name="dei:Security12bTitle" id="Tc_n0vFdZeTN0eJCxlL1CD6Vg_21_0"><span style="font-family:'Times New Roman','Times','serif';">4.8% Fixed Rate Notes due 2026</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Notes4.8FixedRateNotesDue2026Member_N9w5ExDEj06TCgsxU1wV9A" name="dei:TradingSymbol" id="Tc_RiznTCRLjkuvmfi2aIDRPw_21_2"><span style="font-family:'Times New Roman','Times','serif';">RBS26</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_Notes4.8FixedRateNotesDue2026Member_N9w5ExDEj06TCgsxU1wV9A" name="dei:SecurityExchangeName" id="Tc_hwu_TW2VW0C3A3Oq_YwgyQ_21_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorFloatingRateNotesDue2023Member_BA8mJEZQ-UGqLjJ-yZ0YUg" name="dei:Security12bTitle" id="Tc_6VaHOEJuvEqify4YckshxA_22_0"><span style="font-family:'Times New Roman','Times','serif';">Senior Floating Rate Notes due 2023</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorFloatingRateNotesDue2023Member_BA8mJEZQ-UGqLjJ-yZ0YUg" name="dei:TradingSymbol" id="Tc_XospXQ0EgEOyXyRAGYUIrA_22_2"><span style="font-family:'Times New Roman','Times','serif';">RBS23C</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorFloatingRateNotesDue2023Member_BA8mJEZQ-UGqLjJ-yZ0YUg" name="dei:SecurityExchangeName" id="Tc_qnEHiSIgVEquxZoHjIPycQ_22_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:55.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorFloatingRateNotesDue2024Member_KAPcVh_WekeqTAoCzPz9aA" name="dei:Security12bTitle" id="Tc_OPdZzTsXOkSuK78jolIzMQ_23_0"><span style="font-family:'Times New Roman','Times','serif';">Senior Floating Rate Notes due 2024</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorFloatingRateNotesDue2024Member_KAPcVh_WekeqTAoCzPz9aA" name="dei:TradingSymbol" id="Tc_Gf8z7uilnkWZfcJIYqRuhA_23_2"><span style="font-family:'Times New Roman','Times','serif';">RBS24B</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:31.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric format="ixt-sec:exchnameen" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeniorFloatingRateNotesDue2024Member_KAPcVh_WekeqTAoCzPz9aA" name="dei:SecurityExchangeName" id="Tc_m_4HFANuA06_R3E5xk_R5w_23_4"><span style="font-family:'Times New Roman','Times','serif';">New York Stock Exchange</span></ix:nonNumeric></p></td></tr></table><div style="font-family:'Arial','Helvetica','sans-serif';font-size:8.0pt;margin-bottom:0pt;min-height:1.19em;position:relative;width:100%;"><div style="background-color:#000000;height:1pt;position:relative;top:0.6em;width:25.0%;border:none;margin:0 auto 0 0;"></div></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:18pt;text-indent:-18pt;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">*&#160;&#160;&#160;&#160;&#160;Not for trading, but only in connection with the registration of American Depositary Shares representing such ordinary shares pursuant to the requirements of the Securities and Exchange Commission.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;font-weight:bold;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;min-height:9.2pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Securities registered or to be registered pursuant to Section&#160;12(g)&#160;of the Act:</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">None</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><div style="font-family:'Arial','Helvetica','sans-serif';font-size:8.0pt;margin-bottom:0pt;min-height:1.19em;position:relative;width:100%;"><div style="background-color:#000000;height:1pt;position:relative;top:0.6em;width:25.0%;border:none;margin:0 auto;"></div></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Securities for which there is a reporting obligation pursuant to Section&#160;15(d)&#160;of the Act:</b></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes&#160;callable 2025</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Irish Stock Exchange</span></p></td></tr><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes&#160;callable 2025</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">London Stock Exchange</span></p></td></tr><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes&#160;callable 2027</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">London Stock Exchange</span></p></td></tr><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Reset Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes callable 2028</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">London Stock Exchange</span></p></td></tr><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes callable 2031</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">London Stock Exchange</span></p></td></tr><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Reset Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes callable 2028</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">London Stock Exchange</span></p></td></tr><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes callable 2031</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">London Stock Exchange</span></p></td></tr><tr><td style="vertical-align:top;width:80.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">American Depositary Shares, Series U, each representing 1 Non-cumulative Dollar Preference Share, Series U</span></p></td><td style="vertical-align:top;width:19.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Not listed</span></p></td></tr></table><div style="font-family:'Arial','Helvetica','sans-serif';font-size:8.0pt;margin-bottom:0pt;min-height:1.19em;position:relative;width:100%;"><div style="background-color:#000000;height:1pt;position:relative;top:0.6em;width:25.0%;border:none;margin:0 auto;"></div></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate the number of outstanding shares of each of the issuer&#8217;s classes of capital or common stock as of December&#160;31, 2021, the close of the period covered by the annual report:</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><a id="_75cfaac7_1e5d_4183_8705_72a19b8f0592"></a><a id="Tc_fycXYrZZp06KMCOG8yyGAw_0_0"></a><a id="Tc_jdAEsmZ9DUC9Sw6-z4YoYQ_0_2"></a><a id="Tc_mn1w6sWlD0u6sjFDjMhscg_1_0"></a><a id="Tc_2kvkaySq1kWrNHdPg2OQdA_2_0"></a><a id="Tc_OK2FGZNKY0eKap43Ait3kQ_3_0"></a><a id="Tc_dTDaYNpmK0uou-sgo6MGVA_4_0"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr><td style="vertical-align:bottom;width:70%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">(Title of each class)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;width:28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">(Number of outstanding shares)</span></p></td></tr><tr><td style="vertical-align:top;width:70%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Ordinary shares of &#163;1 each</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:28%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="INF" format="ixt:numdotdecimal" name="dei:EntityCommonStockSharesOutstanding" scale="0" id="Tc_q3oSRgRy5U2fZnml28VYkg_1_2">11,467,982,635</ix:nonFraction></span></p></td></tr><tr><td style="vertical-align:top;width:70%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">11% cumulative preference shares</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares11PercentMember_cQhGTqW4L0KpwtpJh3noJQ" decimals="INF" format="ixt:numdotdecimal" name="dei:EntityCommonStockSharesOutstanding" scale="0" id="Tc_am2xLl5uC0m8J6O_a7gYcQ_2_2">240,686</ix:nonFraction></span></p></td></tr><tr><td style="vertical-align:top;width:70%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">5&#189;% cumulative preference shares</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares5.5PercentMember_dyLhCNR84kqiblCkevkjew" decimals="INF" format="ixt:numdotdecimal" name="dei:EntityCommonStockSharesOutstanding" scale="0" id="Tc_vTDcdg0oc0asXluLK9NZHQ_3_2">242,454</ix:nonFraction></span></p></td></tr><tr><td style="vertical-align:top;width:70%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Non-cumulative dollar preference shares, Series&#160;U</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_NonCumulativePreferenceSharesUS01Member_qEXxQqzjl0eQCdm5Qp3m3Q" decimals="INF" format="ixt:numdotdecimal" name="dei:EntityCommonStockSharesOutstanding" scale="0" id="Tc_PGSxb9_0qEetHit7n6dOcw_4_2">10,130</ix:nonFraction></span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule&#160;405 of the Securities Act.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';white-space:pre-wrap;">  Yes&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="font-family:'Segoe UI Symbol';">&#9746;</span><span style="font-family:'Times New Roman','Times','serif';"> </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:EntityWellKnownSeasonedIssuer" id="Narr_wgS3y0e7zUiHRTm20mFWRA"><span style="font-family:'Times New Roman','Times','serif';">No</span></ix:nonNumeric></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section&#160;13 or 15(d)&#160;of the Securities Exchange Act of 1934.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';"> Yes&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="font-family:'Segoe UI Symbol';">&#9746;</span><span style="font-family:'Times New Roman','Times','serif';"> </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:EntityVoluntaryFilers" id="Narr_hWkOM3oCAkWE9qzBUIt8Sg"><span style="font-family:'Times New Roman','Times','serif';">No</span></ix:nonNumeric></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate by check mark whether the registrant (1)&#160;has filed all reports required to be filed by Section&#160;13 or 15(d)&#160;of the Securities Exchange Act of 1934 during the preceding 12&#160;months (or for such shorter period that the registrant was required to file such reports), and (2)&#160;has been subject to such filing requirements for the past 90&#160;days.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9746;</span><span style="font-family:'Times New Roman','Times','serif';"> </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:EntityCurrentReportingStatus" id="Narr_hKuK9XlucUyLOwmJhoH16Q"><span style="font-family:'Times New Roman','Times','serif';">Yes</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';"> No</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule&#160;405 of Regulation S-T (&#167;232.405 of this chapter) during the preceding 12&#160;months (or for such shorter period that the registrant was required to submit and post such files).</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9746;</span><span style="font-family:'Times New Roman','Times','serif';"> </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:EntityInteractiveDataCurrent" id="Narr_SOacgCPS8k-Rlm9bkauBtA"><span style="font-family:'Times New Roman','Times','serif';">Yes</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';"> No</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth company</span><i style="font-family:'Times New Roman','Times','serif';font-style:italic;">.</i><span style="font-family:'Times New Roman','Times','serif';"> See definition of &#8220;large accelerated filer &quot;, &quot;accelerated filer&quot; and &quot;emerging growth company&#8221; in Rule&#160;12b-2 of the Exchange Act. (Check one):</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:entityfilercategoryen" name="dei:EntityFilerCategory" id="Narr_5c230PmsmEaK2rGmCSbIVA"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;">Large accelerated filer</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;white-space:pre-wrap;">  </span><span style="font-family:'Segoe UI Symbol';font-size:8pt;">&#9746;</span></p></td><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';white-space:pre-wrap;">Accelerated filer  </span><span style="font-family:'Segoe UI Symbol';">&#9744;</span></p></td><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';white-space:pre-wrap;">Non-Accelerated filer  </span><span style="font-family:'Segoe UI Symbol';">&#9744;</span></p></td><td style="vertical-align:top;width:25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;white-space:pre-wrap;">Emerging growth company  </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany" id="Narr_SJ5ahDBE306YmTyhvVPu9w"><span style="font-family:'Segoe UI Symbol';font-size:8pt;">&#9744;</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;"> </span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new ore revised financial accounting standards &#8224; provided pursuant to Section 13(a) of the Exchange Act. </span><span style="font-family:'Segoe UI Symbol';">&#9744;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;">&#8224;The term &#8220;new or revised financial accounting standard&#8221; refers to any update issues by the Financial Accounting Standards Board to its Accounting Standards Codification after April 5, 2012</span><span style="font-family:'Times New Roman','Times','serif';">.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;U.S. GAAP</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9746;</span><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:DocumentAccountingStandard" id="Narr_fzLjGpp0-06OqD8l1HJYZA"><span style="font-family:'Times New Roman','Times','serif';">International Financial Reporting Standards</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';"> as issued by the International Accounting Standards Board</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;Other</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">If &#8220;Other&#8221; has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has elected to follow.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;Item&#160;17&#160;&#160;&#160;</span><span style="font-family:'Segoe UI Symbol';">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;Item&#160;18</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">Indicate by check mark whether the registrant has filed a report on and attestation to its management&#39;s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt:booleantrue" name="dei:IcfrAuditorAttestationFlag" id="Narr_Y2MppYo2ZUyXzMLO8mWXhg"><span style="font-family:'Segoe UI Symbol';font-size:8pt;">&#9746;</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;white-space:pre-wrap;">  Yes      </span><span style="font-family:'Segoe UI Symbol';font-size:8pt;">&#9744;</span><span style="font-family:'Times New Roman','Times','serif';font-size:8pt;white-space:pre-wrap;">  No</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule&#160;12b-2 of the Exchange Act).</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt:booleanfalse" name="dei:EntityShellCompany" id="Narr_HpRhvXlDbk69qjK7AXP5eA"><span style="font-family:'Segoe UI Symbol';">&#9744;</span></ix:nonNumeric><span style="font-family:'Times New Roman','Times','serif';"> Yes&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="font-family:'Segoe UI Symbol';">&#9746;</span><span style="font-family:'Times New Roman','Times','serif';"> No</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1pt;padding-bottom:1pt;padding-top:1pt;border-bottom:3.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;"><span style="font-size:1pt;line-height:1.19;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:6pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_a4ee3f2f_7095_4f7d_bca8_6b9235ee4c85"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 0pt 0pt;"><b style="font-weight:bold;">SEC Form&#160;20-F cross reference guide</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 0pt 0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:96.48%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:7.64%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:top;width:42.44%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:25.76%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:top;width:24.13%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td></tr><tr style="height:10.8pt;"><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><b style="font-weight:bold;">Item</b></p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">Item Caption</b></p></td><td colspan="2" style="vertical-align:top;width:49.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">Pages</b></p></td></tr><tr><td style="vertical-align:bottom;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">PART I</b></p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">Annual Report on Form 20-F</b></p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">Exhibit 15.2: Annual Report and Form 20-F Information</b></p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">1</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Identity of Directors, Senior Management and Advisers</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">82-85</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Offer Statistics and Expected Timetable</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable </p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">3</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Key Information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">[Reserved]</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Capitalisation and indebtedness</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Reasons for the offer and use of proceeds</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk factors</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">5-6, 136-157</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">72-75</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Information on the Company</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">History and development of the Company</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Business overview</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Organisational structure</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Property, plant and equipment</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">2, 9, 36-42, 48-52,167-171,</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">173-174 </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">11-14, 120, 158-160</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">9-10, Exhibit 8.1</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">37-38, 63-64, 95-96</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">4-11, 13, 18-27, 51, 168</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">1-75, 78-79, 168-171, <br />176-245</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">34-37, 234</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">12-13, 18-19, 32-33, 64-71</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4a</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Unresolved Staff Comments</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">5</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating and Financial Review and Prospects</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating results</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Liquidity and capital resources</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Research and development, patents, licences etc</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trend information</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Critical Accounting Estimates </p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">1-22</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">9-10, 36, 46-59, 100-108</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">11-13, 29-35, 77-78, 80-87, 90-91</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:4.5pt;text-align:right;text-indent:-4.5pt;margin:0pt 0pt 0pt 61.15pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:4.5pt;text-align:right;text-indent:-4.5pt;margin:0pt 0pt 0pt 61.15pt;">Not applicable</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">1-79, 188-207</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">2-3, 18-19, 28-29, 32-33, <br />38-50, 56, 240, 255-256, 258</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">51, 233-252</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">1-63, 72-75</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">6</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Directors, Senior Management and Employees</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Directors and senior management</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Compensation</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Board practices</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Employees</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Share ownership <span style="display:inline-block;width:9.74pt;"></span></p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">53-57, 108</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">45</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">37, 45-47</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">78, 82-85, 170</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">120-164</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">78-79, 82-119, 170</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">58-61, 76, 138-140</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">120-164</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">7</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Major Shareholders and Related Party Transactions </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Major shareholders </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Related party transactions </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interests of experts and counsel </p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">158, 160-161</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">109</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">170</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">8</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Financial Information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Consolidated statements and other financial information</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Significant changes</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">7-22, 29-35</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">2</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">3-5</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">9</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">The Offer and Listing</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Offer and listing details</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Plan of distribution</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Markets</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Selling shareholders </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Dilution </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Expenses of the issue</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">92-94, 165</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">164</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">168-170</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">165-167</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">10</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Additional information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Share capital</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Memorandum and articles of association</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Material contracts</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Exchange controls</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Taxation</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Dividends and paying agents</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Statement of experts</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Documents on display</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Subsidiary information</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">167-172</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">160-161</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">167</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">165-166</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">172</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">11</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Quantitative &amp; Qualitative Disclosure about Market Risk</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">80-87, 120-133</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">179-180, 181-261</p></td></tr><tr><td style="vertical-align:top;width:7.64%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">12</p></td><td style="vertical-align:top;width:42.44%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Description of Securities other than Equity Securities</p></td><td style="vertical-align:top;width:25.76%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">135</p></td><td style="vertical-align:top;width:24.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:24pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><a id="_33acc0ca_9036_45d9_9286_2d7b998e25a7"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><b style="font-weight:bold;">SEC Form&#160;20-F cross reference guide </b>continued</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:7.84%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td><td style="vertical-align:top;width:43.53%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td><td style="vertical-align:top;width:24.5%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td><td style="vertical-align:top;width:24.12%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><b style="font-weight:bold;">Item</b></p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">Item Caption</b></p></td><td colspan="2" style="vertical-align:bottom;width:48.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">Pages</b></p></td></tr><tr><td colspan="2" style="vertical-align:bottom;width:51.37%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">PART II</b></p></td><td style="vertical-align:bottom;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">Annual Report on Form 20-F</b></p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">Exhibit 15.2: Annual Report and Form 20-F Information</b></p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">13</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Defaults, Dividend Arrearages and Delinquencies</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable </p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">14</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Material Modifications to the Rights of Security Holders and Use of Proceeds</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">15</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Controls and Procedures</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">24-28, Exhibits 12.1 and 12.2</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">72-75, 100-107, 165-167</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">[Reserved]</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16a</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Audit Committee financial expert</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">100</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16b</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Code of ethics</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> 158</span></p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">6-10, 13-17, 173-174</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16c</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Principal Accountant Fees and services</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">58</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">106-107</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16d</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Exemptions from the Listing Standards</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16e</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Purchases of Equity Securities by the Issuer and Affiliated Purchasers</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16f</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;">Change in Registrant&#8217;s Certifying Accountant</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16g</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Corporate Governance</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">78-79, 82-85, 168-171</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16h</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Mine Safety Disclosure</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">16I</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Disclosure Regarding Foreign Jurisdictions that Prevent Inspection</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:43.53%;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:24.5%;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:24.12%;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td colspan="2" style="vertical-align:top;width:51.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">PART III</b></p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">17</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Financial Statements</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">18</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Financial Statements</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">23-118</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr><tr><td style="vertical-align:top;width:7.84%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">19</p></td><td style="vertical-align:top;width:43.53%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Exhibits</p></td><td style="vertical-align:top;width:24.5%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">175-176</p></td><td style="vertical-align:top;width:24.12%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Not applicable</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:24pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Forward looking statements</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_9d018ded_3665_4bce_8d84_6159d00c5f34"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Cautionary statement regarding forward-looking statements</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Certain sections in this document contain &#8216;forward-looking statements&#8217; as that term is defined in the United States Private Securities Litigation Reform Act of 1995, such as statements that include the words &#8216;expect&#8217;, &#8216;estimate&#8217;, &#8216;project&#8217;, &#8216;anticipate&#8217;, &#8216;commit&#8217;, &#8216;believe&#8217;, &#8216;should&#8217;, &#8216;intend&#8217;, &#8216;will&#8217;, &#8216;plan&#8217;, &#8216;could&#8217;, &#8216;probability&#8217;, &#8216;risk&#8217;, &#8216;Value-at-Risk (VaR)&#8217;, &#8216;target&#8217;, &#8216;goal&#8217;, &#8216;objective&#8217;, &#8216;may&#8217;, &#8216;endeavour&#8217;, &#8216;outlook&#8217;, &#8216;optimistic&#8217;, &#8216;prospects&#8217; and similar expressions or variations on these expressions. In particular, this document includes forward-looking targets and guidance relating to financial performance measures, such as income growth, operating expense, cost reductions, RoTE, ROE, discretionary capital distribution targets, impairment loss rates, balance sheet reduction, including the reduction of RWAs, CET1 ratio (and key drivers of the CET1 ratio including timing, impact and details), Pillar 2 and other regulatory buffer requirements and MREL and non-financial performance measures, such as climate and ESG-related performance ambitions, targets and metrics, including in relation to initiatives to transition to a net zero economy, Climate and Sustainable Funding and Financing (CSFF) and financed emissions. In addition, this document includes forward-looking statements relating, but not limited to: the Covid-19 pandemic and its impact on NatWest Group; planned cost reductions, disposal losses and strategic costs; implementation of NatWest Group&#8217;s Purpose-led strategy and other strategic priorities (including in relation to: its phased withdrawal from ROI, the NWM Refocusing and investment programmes relating to digital transformation of its operations and services and inorganic opportunities); the timing and outcome of litigation and government and regulatory investigations; direct and on-market buy-backs; funding plans and credit risk profile; managing its capital position; liquidity ratio; portfolios; net interest margin and drivers related thereto; lending and income growth, product share and growth in target segments; impairments and write-downs, including with respect to goodwill; restructuring and remediation costs and charges; NatWest Group&#8217;s exposure to political risk, economic assumptions and risk, climate, environmental and sustainability risk, operational risk, conduct risk, financial crime risk, cyber, data and IT risk and credit rating risk and to various types of market risk, including interest rate risk, foreign exchange rate risk and commodity and equity price risk; customer experience, including our Net Promotor Score (NPS); employee engagement and gender balance in leadership positions.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Limitations inherent to forward-looking statements</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">These statements are based on current plans, expectations, estimates, targets and projections, and are subject to significant inherent risks, uncertainties and other factors, both external and relating to NatWest Group&#8217;s strategy or operations, which may result in NatWest Group being unable to achieve the current plans, expectations, estimates, targets, projections and other anticipated outcomes expressed or implied by such forward-looking statements. In addition, certain of these disclosures are dependent on choices relying on key model characteristics and assumptions and are subject to various limitations, including assumptions and estimates made by management. By their nature, certain of these disclosures are only estimates and, as a result, actual future results, gains or losses could differ materially from those that have been estimated. Accordingly, undue reliance should not be placed on these statements. The forward-looking statements contained in this document speak only as of the date we make them and we expressly disclaim any obligation or undertaking to update or revise any forward-looking statements contained herein, whether to reflect any change in our expectations with regard thereto, any change in events, conditions or circumstances on which any such statement is based, or otherwise, except to the extent legally required.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Important factors that could affect the actual outcome of the forward-looking statements</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">We caution you that a large number of important factors could adversely affect our results or our ability to implement our strategy, cause us to fail to meet our targets, predictions, expectations and other anticipated outcomes or affect the accuracy of forward-looking statements described in this document. These factors include, but are not limited to, those set forth in the risk factors and the other uncertainties described in NatWest Group plc&#8217;s Annual Report on Form&#160;20-F and its other filings with the US Securities and Exchange Commission. The principal risks and uncertainties that could adversely NatWest Group&#8217;s future results, its financial condition and prospects and cause them to be materially different from what is forecast or expected, include, but are not limited to: economic and political risk (including in respect of: the impact of the COVID-19 pandemic on NatWest Group and its customers; political and economic risks and uncertainty in the UK and global markets; uncertainty regarding the effects of Brexit; changes in interest rates and foreign currency exchange rates; and HM Treasury&#8217;s ownership of NatWest Group plc); strategic risk (including in respect of the implementation of NatWest Group&#8217;s Purpose-led Strategy; refocusing of its NWM franchise; and the effect of the COVID-19 pandemic on NatWest Group&#8217;s strategic objectives and targets); financial resilience risk (including in respect of: NatWest Group&#8217;s ability to meet targets and to make discretionary capital distributions; the competitive environment; impact of the COVID-19 pandemic on the credit quality of NatWest Group&#8217;s counterparties; counterparty and borrower risk; prudential regulatory requirements for capital and MREL; the adequacy of NatWest Group&#8217;s resolution plans; liquidity and funding risks; changes in the credit ratings; the requirements of regulatory stress tests; goodwill impairment; model risk; sensitivity to accounting policies, judgments, assumptions and estimates; changes in applicable accounting standards; the value or effectiveness of credit protection; and the application of UK statutory stabilisation or resolution powers); climate and sustainability risk (including in respect of: risks relating to climate change and the transitioning to a net zero economy; the implementation of NatWest Group&#8217;s climate change strategy and climate change resilient systems, controls and procedures; climate-related data and model risk; the failure to adapt to emerging climate, environmental and sustainability risks and opportunities; changes in ESG ratings; increasing levels of climate, environmental and sustainability related regulation and oversight; and climate, environmental and sustainability-related litigation, enforcement proceedings and investigations); operational and IT resilience risk (including in respect of: operational risks (including reliance on third party suppliers); cyberattacks; the accuracy and effective use of data; complex IT systems (including those that enable remote working); attracting, retaining and developing senior management and skilled personnel; NatWest Group&#8217;s risk management framework; and reputational risk); and legal, regulatory and conduct risk (including in respect of: the impact of substantial regulation and oversight; compliance with regulatory requirements; the outcome of legal, regulatory and governmental actions and investigations; the transition of LIBOR other IBOR rates to alternative risk-free rates; and changes in tax legislation or failure to generate future taxable profits).</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Climate and ESG disclosures</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Climate and ESG disclosures in this report use a greater number and level of judgements, assumptions and estimates, including with respect to the classification of climate and sustainable funding and financing activities, than our reporting of historical financial information. These judgements, assumptions and estimates are highly likely to change over time, and, when coupled with the longer time frames used in these disclosures, make any assessment of materiality inherently uncertain. In addition, our climate risk analysis and net zero strategy remain under development, and the data underlying our analysis and strategy remain subject to evolution over time. As a result, we expect that certain climate and ESG disclosures made in this report are likely to be amended, updated, recalculated or restated in the future. This forward-looking statement should be read together with the &#8216;Climate-related and other forward-looking statements and metrics&#8217; of the NatWest Group 2021 Climate-related Disclosures Report.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The information, statements and opinions contained in this document do not constitute a public offer under any applicable legislation or an offer to sell or a solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><a id="_64822b91_267e_4215_bd78_f4afbee0b140"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">1</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_4b5a8f60_a60c_44dd_921d_e94365c2a217"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;">Presentation of information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">In the Annual Report on Form&#160;20-F, unless specified otherwise, &#8216;parent company&#8217; or &#8216;company&#8217; refers to NatWest Group plc, and &#8216;NatWest Group&#8217;, &#8216;Group&#8217; or &#8216;we&#8217; refers to NatWest Group plc and its subsidiaries. The term &#8216;NWH Group&#8217; refers to NatWest Holdings Limited (&#8216;NWH&#8217;) and its subsidiary and associated undertakings. The term &#8216;NWM Group&#8217; refers to NatWest Markets Plc (&#8216;NWM Plc&#8217;) and its subsidiary and associated undertakings. The term &#8216;NWM N.V.&#8217; refers to NatWest Markets N.V. The term &#8216;NWMSI&#8217; refers to NatWest Markets Securities,&#160;Inc. The term &#8216;RBS plc&#8217; refers to The Royal Bank of Scotland&#160;plc. The term &#8216;NWB Plc&#8217; refers to National Westminster Bank Plc. The term &#8216;UBIDAC&#8217; refers to Ulster Bank Ireland DAC. The term &#8216;RBSI Limited&#8217; refers to The Royal Bank of Scotland International Limited. &#8216;Go-forward group&#8217; excludes Ulster Bank RoI and discontinued operations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">NatWest Group publishes its financial statements in pounds sterling (&#8216;&#163;&#8217; or &#8216;sterling&#8217;). The abbreviations &#8216;&#163;m&#8217; and &#8216;&#163;bn&#8217; represent millions and thousands of millions of pounds sterling (&#8216;GBP&#8217;), respectively, and references to &#8216;pence&#8217; represent pence where amounts are denominated in pounds sterling. Reference to &#8216;dollars&#8217; or &#8216;$&#8217; are to United States of America (&#8216;US&#8217;) dollars. The abbreviations &#8216;$m&#8217; and &#8216;$bn&#8217; represent millions and thousands of millions of dollars, respectively. The abbreviation &#8216;&#8364;&#8217; represents the &#8216;euro&#8217;, and the abbreviations &#8216;&#8364;m&#8217; and &#8216;&#8364;bn&#8217; represent millions and thousands of millions of euros, respectively.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">To aid readability, this document retains references to EU legislative and regulatory provisions in effect in the UK before 1 January&#160;2021 that have now been implemented in UK domestic law. These references should be read and construed as including references to the applicable UK implementation measures with effect from 1 January&#160;2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Website references</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Any information contained on websites linked in this Annual Report on Form 20-F is for information only and will not be deemed to be incorporated by reference herein.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">References to the Pillar 3 Report, Climate related Disclosures Report and ESG Supplement</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">This document contains references throughout to the NatWest Group Pillar 3 Report, Climate-related Disclosures Report and ESG Supplement. References to these reports are made for information purposes only and will not be deemed to be incorporated by reference herein.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#453a96;font-size:10pt;font-weight:normal;">Continuing operations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Two legally binding agreements for the sale of the UBIDAC business were announced in 2021 as part of the phased withdrawal from the Republic of Ireland: the sale of commercial lending to Allied Irish Banks p.l.c. (AIB) and the performing non-tracker mortgages, performing micro-SME</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">loans, UBIDAC&#8217;s asset finance business and 25 of its branch locations to Permanent TSB p.l.c (PTSB).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The business activities relating to these sales that meet the requirements of IFRS 5 are presented as a discontinued operation and as a disposal group on 31 December&#160;2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The Financial review presents the results of the Group&#8217;s continuing operations. For further details refer to Note&#160;8 Discontinued operations and assets and liabilities of disposal groups in the Notes&#160;to the consolidated financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><a id="_79caf57a_484f_4913_b9f0_2414c7eeb6f4"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Recent developments</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NWM Plc is a defendant in a class action pending in the United States District Court for the Southern District of New York on behalf of lender plaintiffs who allege that NWM Plc and other defendants engaged in fraud by artificially suppressing USD LIBOR. On 25 February 2022, the United States Court of Appeals for the Second Circuit reversed the lower court&#8217;s prior dismissal of the case, finding that the plaintiffs have adequately alleged the court&#8217;s jurisdiction over the defendants.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">2</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Non-IFRS financial information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_b47cae38_c805_4f85_9b1f_b72ad78820e9"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">NatWest Group prepares its financial statements in accordance with generally accepted accounting principles (GAAP). This document contains a number of adjusted or alternative performance measures, also known as non-GAAP or non-IFRS performance measures. These measures are adjusted for notable and other defined items which management believe are not representative of the underlying performance of the business and which distort period-on-period comparison. The non-IFRS measures provide users of the financial statements with a consistent basis for comparing business performance between financial periods and information on elements of performance that are one-off in nature. The non-IFRS measures also include the calculation of metrics that are used throughout the banking industry. These non-IFRS measures are not measures within the scope of IFRS and are not a substitute for IFRS measures. The list below specifies how each non-IFRS performance measure is used by management to manage and maintain the performance of the business. For further details of non-IFRS performance measures please refer to page&#160;111 to 118.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">1.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Adjustment for notable items</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Go-forward group income excluding notable items is calculated as total income excluding Ulster Bank RoI total income and excluding notable items. UK and RBSI retail and commercial businesses total income excluding notable items comprises income in the Retail Banking, Commercial Banking, Private Banking and RBS International operating segments excluding notable items.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The exclusion of notable items aims to remove the impact of one-offs which may distort period-on-period comparisons</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">2.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Adjustment for asset disposals/strategic risk reductions and own credit adjustments</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">NWM total income excluding asset disposals/strategic risk reductions and own credit adjustments (OCA) is calculated as total income of the NWM business less asset disposals/strategic risk reductions and OCA.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">This aims to show underlying income generation in NWM excluding the impact of disposal losses and OCA.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">3.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Operating expenses- management view</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The management analysis of operating expenses shows strategic costs and litigation and conduct costs in separate lines. Depreciation and amortisation, and other administrative expenses attributable to these costs are included in strategic costs and litigation and conduct costs lines for management analysis. These amounts are included in staff, premises and equipment and other administrative expenses in the statutory analysis.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Other expenses excludes strategic costs and litigation and conduct costs, which are more volatile and may distort comparisons with prior periods.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">4.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Other expenses excluding operating lease depreciation (OLD) and Ulster Bank direct costs</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Our cost target for 2021 is based on this measure and we track progress against this.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">5.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Cost:income ratio</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The cost:income ratio is calculated as total operating expenses less OLD divided by total income less OLD.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">This is a common metric used to compare profitability across the banking industry, although different banks may calculate the rate differently.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">6.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">NatWest Group return on tangible equity</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Return on tangible equity comprises profit or loss for the period attributable to ordinary shareholders divided by average tangible equity. Average tangible equity is average total equity excluding non-controlling interests (NCI) less average intangible assets and average other owners&#8217; equity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Go-forward group return on tangible equity is calculated as profit or loss for the period less Ulster Bank RoI loss from continuing operations and less profit from discontinued operations divided by go-forward group total tangible equity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">This measure shows the return NatWest Group generates on tangible equity deployed. It is used to determine relative performance of banks and used widely across the sector, although different banks may calculate the rate differently.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">7.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Segmental return on equity</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Segmental return on equity comprises segmental operating profit or loss, adjusted for preference share dividends and tax, divided by average notional tangible equity, allocated at an operating segment specific rate of the period average segmental risk- weighted assets, incorporating the effect of capital deductions (RWAes).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">This measure shows the return generated by operating segments on equity deployed.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">8.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Tangible equity</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Tangible equity is ordinary shareholders&#8217; interest less intangible assets. TNAV per ordinary share is calculated as tangible equity divided by the number of ordinary shares in issue.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">This is a measure used by external analysts in valuing the bank and the starting point for calculating regulatory capital.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">9.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Net interest margin</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Bank net interest margin is defined as net interest income of the banking business of the Go-forward group less NatWest Markets (NWM) element and&#160;excluding liquid asset buffer, as a&#160;percentage of bank average interest-earning assets. Bank average interest earning assets are the average interest earning assets of the banking business of the Go-forward group less NWM element and excluding liquid asset buffer.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:12pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">3</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Non-IFRS financial information continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">The exclusion of the NWM element aims to eliminate the impact of distorting volatility in NWM. The exclusion of the Ulster Bank RoI from the aims to align the basis of calculation with prior periods.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Liquid asset buffer consists of assets held by NatWest Group, such as cash and balances at central banks and debt securities in issue, that can be used to ensure repayment of financial obligations as they fall due.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">The exclusion of liquid asset buffer has been introduced as a way to present net interest margin on a basis more comparable with UK peers and exclude the impact of regulatory driven factors.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">10.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Net lending</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">NatWest Group net lending is calculated as total loans to customers less loan impairment provisions. Go-forward group net lending is calculated as net loans to customers less Ulster Bank RoI net loans to customers. UK and RBSI retail and commercial businesses net lending excluding UK Government support schemes comprises customer loans in the Retail Banking, Commercial Banking, Private Banking and RBS International operating segments, excluding UK Government support schemes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">This is the basis of our lending target for our key retail and commercial businesses.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">11.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Customer deposits</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Go-forward group customer deposits is calculated as total customer deposits less Ulster Bank RoI customer deposits. UK and RBSI retail and commercial businesses customer deposits comprises customer deposits in the Retail Banking, Commercial Banking, Private Banking and RBS International operating segments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">This metric is used to show underlying deposit movements across our key retail and commercial businesses.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">12.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Total operating profit before tax including discontinued operations</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Given the current progress of the phased withdrawal from the Republic of Ireland, Ulster Bank RoI results are currently presented in both continuing and discontinued operations. Including operating profit before tax from discontinued operations provides a complete view of the NatWest Group operating profit in 2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Performance metrics not defined under IFRS</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Metrics based on GAAP measures, included as not defined under IFRS and reported for compliance with European Securities and Markets Authority (ESMA) adjusted performance measure rules.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">1.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Loan:deposit ratio</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Loan:deposit ratio is calculated as net customer loans held at amortised cost divided by total customer deposits.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">This is a common metric used among peers to assess liquidity.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">2.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Loan impairment rate</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Loan impairment rate is the loan impairment charge divided by gross customer loans.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">3.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Funded assets</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Funded assets is calculated as total assets less derivative assets.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">This measure allows review of balance sheet trends exclusive of the volatility associated with derivative fair values.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">4.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">AUMAs</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">AUMA comprises both assets under management (AUMs) and assets under administration (AUAs) serviced through the Private Banking franchise. AUMs comprise assets where the investment management is undertaken by Private Banking on behalf of Private Banking, Retail Banking and RBSI customers. AUAs comprise third party assets held on an execution-only basis in custody by Private Banking, Retail Banking and RBSI for their customers accordingly, for which the execution services are supported by Private Banking. Private Banking receives a fee for providing investment management and execution services to Retail Banking and RBSI franchises.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Private&#160;Banking&#160;is the Centre of Expertise for asset management across NatWest Group, servicing all client segments across Retail, Premier and Private Banking.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">5.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Depositary assets</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Assets held by RBSI as an independent trustee and in a depositary service capacity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Depositary assets are a closely monitored KPI for the RBS International business and its inclusion in commentary highlights the services that RBS International provides.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">6.</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:9pt;font-style:normal;font-weight:normal;">Wholesale funding</span></td></tr></table><div style="margin-top:2pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Wholesale funding comprises deposits by banks, debt securities in issue and subordinated liabilities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">This is a closely monitored metric used across the banking industry to ensure capital requirements are being met.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">4</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Summary risk factors</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_cc863322_f343_472b_b8a3_4cc4c28bd00c"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Principal risks and uncertainties</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Set out below is a summary of the principal risks and uncertainties that could adversely affect NatWest Group&#8217;s future results, its financial condition and prospects and cause them to be materially different from what is forecast or expected, and directly or indirectly impact the value of its securities in issue. This summary should not be regarded as a complete and comprehensive statement of all potential risks and uncertainties; a fuller description of these and other risk factors is included on pages&#160;136 to 157 of this report on Form&#160;20-F and should be read together with NatWest Group&#8217;s other public disclosures.&#160;Any of the risks identified may have a material adverse effect on NatWest Group&#8217;s business, operations, financial condition or prospects. The current COVID-19 pandemic may exacerbate any of the risks described below.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.4pt;text-indent:-14.4pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Risks relating to the COVID-19 pandemic</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The effects of the COVID-19 pandemic on the UK, global economies and financial markets, and NatWest Group&#8217;s customers, as well as its competitive environment may continue to have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The adverse impact of the COVID-19 pandemic on the credit quality of NatWest Group&#8217;s counterparties and the implementation of support schemes in response of the COVID-19 pandemic has increased NatWest Group&#8217;s exposure to counterparty risk, which may adversely affect its business, results of operations and outlook.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The COVID-19 pandemic may adversely affect NatWest Group&#8217;s strategy and impair its ability to meet its targets and to achieve its strategic objectives.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The COVID-19 pandemic has heightened NatWest Group&#8217;s operational risks as many of its employees are working remotely which may also adversely affect NatWest Group&#8217;s ability to maintain effective internal controls.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The effects of the COVID-19 pandemic could affect NatWest Group&#8217;s ability to access sources of liquidity and funding, which may result in higher funding costs and failure to comply with regulatory capital, funding and leverage requirements.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group&#8217;s results could be adversely affected if the effects of the COVID-19 pandemic or other events trigger the recognition of a goodwill impairment.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.4pt;text-indent:-14.4pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Economic and political risk</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Continuing uncertainty regarding the effects of the UK&#8217;s withdrawal from the European Union may continue to adversely affect NatWest Group and its operating environment.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group faces increased political and economic risks and uncertainty in the UK and global markets.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Changes in interest rates have significantly affected and will continue to affect NatWest Group&#8217;s business and results.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">HM Treasury (or UKGI on its behalf) could exercise a significant degree of influence over NatWest Group and further offers or sales of NatWest Group&#8217;s shares held by HM Treasury may affect the price of securities issued by NatWest Group.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">Changes in foreign currency exchange rates may affect NatWest Group&#8217;s results and financial position.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.4pt;text-indent:-14.4pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Strategic risk</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group is currently implementing its Purpose-led Strategy, which carries significant execution and operational risks and may not achieve its stated aims and targeted outcomes.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group is in the process of refocusing its NWM franchise, which entails significant commercial, operational and execution risks and the intended benefits for NatWest Group may not be realised within the timeline and in the manner currently contemplated.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.4pt;text-indent:-14.4pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Financial resilience risk</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group may not meet targets and be in a position to continue to make discretionary capital distributions (including dividends to shareholders).</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group operates in markets that are highly competitive, with increasing competitive pressures and technology disruption.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group has significant exposure to counterparty and borrower risk.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group may not meet the prudential regulatory requirements for capital and MREL, or manage its capital effectively, which could trigger the execution of certain management actions or recovery options.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group is subject to Bank of England oversight in respect of resolution, and NatWest Group could be adversely affected should the Bank of England deem NatWest Group&#8217;s preparations to be inadequate.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group may not be able to adequately access sources of liquidity and funding.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Any reduction in the credit rating and/or outlooks assigned to NatWest Group plc, any of its subsidiaries or any of their respective debt securities could adversely affect the availability of funding for NatWest Group, reduce NatWest Group&#8217;s liquidity position and increase the cost of funding.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group may be adversely affected if it fails to meet the requirements of regulatory stress tests.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group could incur losses or be required to maintain higher levels of capital as a result of limitations or failure of various models.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group&#8217;s financial statements are sensitive to the underlying accounting policies, judgments, estimates and assumptions.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Changes in accounting standards may materially impact NatWest Group&#8217;s financial results.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The value or effectiveness of any credit protection that NatWest Group has purchased depends on the value of the underlying assets and the financial condition of the insurers and counterparties.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group may become subject to the application of UK statutory stabilisation or resolution powers which may result in, among other actions, the cancellation, transfer or dilution of ordinary shares, or the write-down or conversion of certain other of NatWest Group&#8217;s securities.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:12pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:12pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">5</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Summary risk factors</span> <span style="color:#42145f;">continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.4pt;text-indent:-14.4pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Climate and sustainability-related risks</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group and its customers may face significant climate-related risks, including in transitioning to a low-carbon economy, which may adversely impact NatWest Group.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group&#8217;s Purpose-led Strategy includes one area of focus on climate change that is likely to require material changes to the business of NatWest Group which entails significant execution risk.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Any failure by NatWest Group to implement effective and compliant climate change resilient systems, controls and procedures could adversely affect NatWest Group&#8217;s ability to manage climate-related risks.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">There are significant uncertainties inherent in accurately modelling the impact of climate-related risks.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">A failure to adapt NatWest Group&#8217;s business strategy, governance, procedures, systems and controls to manage emerging sustainability-related risks and opportunities may have a material adverse effect on NatWest Group&#8217;s reputation, business, results of operations and outlook.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Any reduction in the ESG ratings of NatWest Group could have a negative impact on NatWest Group&#8217;s reputation and on investors&#8217; risk appetite.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Increasing levels of climate, environmental and sustainability-related laws, regulation and oversight may adversely affect NatWest Group&#8217;s business and expose NatWest Group to increased costs of compliance, regulatory sanction and reputational damage.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group may be subject to potential climate, environmental and other sustainability-related litigation, enforcement proceedings, investigations and conduct risk.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.4pt;text-indent:-14.4pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Operational and IT resilience risk</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Operational risks (including reliance on third party suppliers and outsourcing of certain activities) are inherent in NatWest Group&#8217;s businesses.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group is subject to increasingly sophisticated and frequent cyberattacks.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group operations and strategy are highly dependent on the accuracy and effective use of data.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group&#8217;s operations are highly dependent on its complex IT systems (including those that enable remote working) and any IT failure could adversely affect NatWest Group.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group relies on attracting, retaining and developing senior management and skilled personnel, and is required to maintain good employee relations.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">A failure in NatWest Group&#8217;s risk management framework could adversely affect NatWest Group, including its ability to achieve its strategic objectives.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group&#8217;s operations are subject to inherent reputational risk.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.4pt;text-indent:-14.4pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Legal, regulatory and conduct risk</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group&#8217;s businesses are subject to substantial regulation and oversight, which are constantly evolving and may adversely affect NatWest Group.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group is subject to various litigation matters, regulatory and governmental actions and investigations as well as remedial undertakings, including conduct-related reviews, anti-money laundering and redress projects, the outcomes of which are inherently difficult to predict, and which could have an adverse effect on NatWest Group.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group may not effectively manage the transition of LIBOR and other IBOR rates to alternative risk free rates.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group operates in jurisdictions that are subject to intense scrutiny by the competition authorities.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The cost of implementing the Alternative Remedies Package (&#8216;ARP&#8217;) could be more onerous than anticipated.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Changes in tax legislation or failure to generate future taxable profits may impact the recoverability of certain deferred tax assets recognised by NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">6</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Chief Financial Officer&#8217;s review</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_6f8684d0_ed12_4832_a0e9_31a11233cc89"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#3b1251;font-size:14pt;">We have delivered a strong operating performance in 2021.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Group RoTE was 9.4%, benefiting from a &#163;1.3 billion net impairment release. Total operating expenses of &#163;7,758 million were &#163;100 million, or 1.3%, lower compared with 2020. We achieved our Group cost reduction target(excluding litigation and conduct costs, operating lease depreciation and Ulster Bank RoI direct costs) of 4.0% Net loans to customers were &#163;1.5 billion, or 0.4%, lower compared with 2020. Lending growth across our UK and RBSI retail and commercial businesses was 2.6%, excluding UK Government financial support schemes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Our capital and liquidity position remains strong after returning &#163;3.8 billion to shareholders, and default levels have remained low across all our portfolios. The CET1 ratio was 18.2%, reducing to 15.9% on 1 January&#160;2022 following regulatory RWA and capital changes. We have made good progress on our phased withdrawal from the Republic of Ireland and will focus the financial commentary below on the Group excluding Ulster Bank RoI (Go-forward group).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Total income was &#163;4 million higher compared with 2020. Total income, excluding notable items, in the Go-forward group was 5.6% lower than prior&#160;year. Across the UK and RBSI retail and commercial businesses income increased by 1.4% reflecting strong balance sheet growth, principally in our mortgage book. NWM income was below expectations, down by 61.5%, compared with 2020, reflecting continued weakness in Fixed Income, impacted by subdued levels of customer activity and ongoing reshaping of the business, and exceptional levels of market activity in the prior&#160;year.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Net interest margin of 1.45% was 10 basis points lower compared with 2020. Bank NIM(1)&#160;of 2.39% was 7 basis points lower than 2020 impacted by reduced structural hedge income, yield curve movements and lower unsecured balances.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Total operating expenses of &#163;7,758 million were &#163;100 million, or 1.3%, lower compared with 2020. We delivered a cost reduction (excluding litigation and conduct costs, operating lease depreciation and Ulster Bank RoI direct costs) of &#163;256 million, or 4.0%, in 2021, in line with our target for the&#160;year. This has been achieved by transformation across our customer journeys and NWM business, in line with the strategic announcement made in February&#160;2020 and a &#163;68 million reduction in the bank levy charge.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A net impairment release of &#163;1,278 million reflects the low levels of realised losses we have seen across the&#160;year. Total impairment provisions reduced by &#163;2.4 billion to &#163;3.8 billion during 2021 and as a result ECL coverage ratio decreased from 1.66% to 1.03%.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">We are pleased to report a 2021 attributable profit of &#163;2,950 million, with earnings per share of 25.4 pence and a RoTE of 9.4%.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A final dividend of 7.5 pence per share is proposed, bringing our total 2021 paid and proposed capital distributions to &#163;3.8 billion through a combination of ordinary dividends, directed buybacks of the UK Government stake and our on-market buyback programme.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Net loans to customers were &#163;1.5 billion, or 0.4%, lower compared with 2020. Across the UK and RBSI retail and commercial businesses, and excluding UK Government support schemes, net lending increased by 2.6%. Mortgage growth exceeded the market, however commercial lending was behind market as we have sought to reduce certain exposures, through targeted sector reductions and capital actions, whilst continuing to focus on supporting customers through sustainable lending.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Customer deposits were &#163;48.1 billion, or 11.1%, higher compared with 2020. Customer deposits in the Go-forward group increased by &#163;49.3 billion, or 12.0%, in 2021 including &#163;9.4 billion related to Treasury repo activity. Across the UK and RBSI retail and commercial businesses customer deposits increased by 10.0%, as customers continued to build and retain liquidity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">TNAV per share increased by 3 pence in the quarter to 272 pence largely reflecting the attributable profit partially offset by movements in the cash flow hedging reserve.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#3b1251;font-size:14pt;">Capital, funding and liquidity</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The CET1 ratio remains strong at 18.2%, or 17.8% excluding IFRS 9 transitional relief. The 30 basis points reduction in the&#160;year includes capital distributions of c.240 basis points, partially offset by the reduction in RWAs, c.170 basis points, and the attributable profit net of IFRS 9 transitional relief and other capital movements. RWAs of &#163;157.0 billion reduced by &#163;13.3 billion in 2021 mainly reflecting business movements in Commercial Banking, including targeted sector reductions, improvement in risk parameters and active capital management</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">On 1 January&#160;2022, the proforma CET1 ratio was 15.9% including the impact of regulatory RWA inflation, 200 basis points, the removal of the software development costs capital benefit, 20 basis points, and the tapering of IFRS 9 transitional relief, 10 basis points. RWAs increased by &#163;18.8 billion, including &#163;14.8 billion associated with mortgage risk weight changes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The liquidity coverage ratio (LCR) of 172%, representing &#163;89.9 billion headroom above 100% minimum requirement, increased by 7&#160;percentage points compared with 2020. Total wholesale funding increased by &#163;6.0 billion in the&#160;year to &#163;76.7 billion.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Excludes NatWest Markets, liquid asset buffer and Ulster Bank RoI</span></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:12pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">7</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Chief Financial Officer&#8217;s review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-top:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-top:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-top:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;text-align:right;margin:0pt;">2020<sup style="font-family:'Calibri','Helvetica','sans-serif';font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">&#160;</sup><sup style="font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-top:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-top:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Variance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#463088;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Go-forward group income<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(2,3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 10,284</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,286</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 10,512</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,508</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> (7,758)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,858)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (100)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit before impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 2,754</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,650</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 104</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 4,032</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (481)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,513</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) attributable to ordinary shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 2,950</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (753)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,703</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#3b1251;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;"><span style="color:#463088;">Excluding notable items within total income</span><sup style="color:#463088;font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(4)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Go-forward group income excluding notable items <sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(2,3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 10,074</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,670</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (596)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Total income excluding notable items<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 10,267</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,892</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (625)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> (7,758)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,858)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 100</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit before impairment releases/(losses) excluding notable items</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 2,509</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,034</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (525)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax excluding notable items</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 3,787</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (97)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,884</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">UK and RBSI retail and commercial businesses income excluding notable items<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 9,620</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,486</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 134</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#463088;">Performance key metrics and ratios</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#463088;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Bank net interest margin<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3,5)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 2.39</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">%</b><b style="color:#3b1251;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.46</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.07)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Bank average interest earning assets<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3,5)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">&#163;314bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;301bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;13bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Cost:income ratio<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 73.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 74.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 6pt 0pt 0pt;"><span style="white-space:pre-wrap;"> (1.1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Loan impairment rate<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">(35bps)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">85bps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(120bps)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total earnings per share attributable to ordinary shareholders &#8211; basic</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">25.4p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(6.2p)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">31.6p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Go-forward group return on tangible equity<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(2)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 10.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Return on tangible equity<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 9.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#463088;">Balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#463088;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Go-forward group customer deposits<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(2,3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">&#163;461.4bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;412.1bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;49.3bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK and RBSI retail and commercial net lending excluding UK Government support schemes(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">&#163;305.7bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;297.9bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;7.8bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#463088;">Capital, liquidity and funding</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#463088;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#3b1251;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Common Equity Tier (CET1) ratio<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(6)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 18.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">18.5%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk-weighted assets (RWAs)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">&#163;157.0bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;170.3bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(&#163;13.3bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Liquidity coverage ratio (LCR)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;white-space:pre-wrap;"> 172</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 165</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Total wholesale funding<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">&#163;77bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;71bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;6bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.91%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Tangible net asset value (TNAV) per ordinary share<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(3)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.79%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#3b1251;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;background:#f2f2f2;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#3b1251;font-weight:bold;">272p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.27%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">261p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.28%;border-bottom:1px solid #42145f;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">11p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note&#160;8 to the consolidated financial statements.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Go-forward group excludes Ulster Bank RoI and discontinued operations.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Refer to the Non-IFRS financial measures section for details of the basis of preparation and reconciliation of non-IFRS financial measures.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Refer to page&#160;11 for details of notable items within total income.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(5)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">NatWest Group excluding NatWest Markets, Ulster Bank RoI and liquid asset buffer.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(6)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Based on CRR end-point including the IFRS 9 transitional adjustment of &#163;0.6 billion (31 December&#160;2020&#160;&#8211; &#163;1.7 billion). Excluding this adjustment, the CET1 ratio would be 17.8% (31 December&#160;2020&#160;&#8211; 17.5%.)</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 0pt 14.4pt;"><span style="color:#463088;">Continuing operations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 0pt 14.4pt;"><span style="color:#463088;margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 0pt 14.4pt;">Two legally binding agreements for the sale of the UBIDAC business were announced in 2021 as part of the phased withdrawal from the Republic of Ireland: the sale of commercial lending to Allied Irish Banks p.l.c. (AIB) and the performing non-tracker mortgages, performing micro-SME loans, UBIDAC&#8217;s asset finance business and 25 of its branch locations to Permanent TSB p.l.c (PTSB).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 0pt 14.4pt;"><span style="margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 0pt 14.4pt;">The business activities relating to these sales that meet the requirements of IFRS 5 are presented as a discontinued operation and as a disposal group on 31 December&#160;2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 0pt 14.4pt;"><span style="margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 0pt 14.4pt;">The Financial review presents the results of the Group&#8217;s continuing operations. For further details refer to Note&#160;8 Discontinued operations and assets and liabilities of disposal groups in the Notes&#160;to the consolidated financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 11.5pt;"><span style="font-size:1pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">8</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Financial review</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_62cf40ec_bee5_4522_910c_5697ee61c9bd"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">This section includes a discussion on our operating results for the&#160;year ended 31 December&#160;2021, including a comparative discussion on our operating results for the&#160;year ended 31 December&#160;2020. For a discussion on our operating results for the&#160;year ended 31 December&#160;2020, including a comparative discussion on our operating results for the&#160;year ended 31 December&#160;2019, refer to &#8220;Business Review&#8221; on pages&#160;86 to 100 in our 2020 Annual Report on Form&#160;20-F (File No.&#160;001-10306) filed with the Securities and Exchange Commission on March&#160;5, 2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Segmental performance</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Reportable operating segments:</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The reportable operating segments are as follows:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Retail Banking</span><span style="color:#5e10b1;"> </span>serves individuals and mass affluent customers in the UK and includes Ulster Bank customers in Northern Ireland.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Commercial Banking</span><span style="color:#5e10b1;"> </span>serves start-up, SME, commercial, corporate and institutional customers in the UK.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Private Banking</span><span style="color:#5e10b1;"> </span>serves UK-connected high net worth individuals and their business interests.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">RBS International (RBSI)</span><span style="color:#5e10b1;"> </span>serves retail, commercial, and corporate customers in the Channel Islands, Isle of Man and Gibraltar, and financial institution clients in those same locations in addition to the UK and Luxembourg.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">NatWest Markets (NWM)</span><span style="color:#5e10b1;"> </span>helps NatWest Group&#8217;s corporate and institutional customers manage their financial risks safely and achieve their short-term and long-term sustainable financial goals.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Central items&#160;&amp; other</span><span style="color:#5e10b1;"> </span>includes corporate functions, such as NatWest Group Treasury, finance, risk management, compliance, legal, communications and human resources. Central functions manages NatWest Group capital resources and NatWest Group-wide regulatory projects and provides services to the reportable segments. Balances in relation to legacy litigation issues and the international private banking business are included in Central items in the relevant periods.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Ulster Bank RoI</span><span style="color:#5e10b1;"> </span>serves individuals and businesses in the Republic of Ireland (RoI).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Competition</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Introduction</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In an environment in which central banks have maintained very low interest rates for an unusually long period or introduced negative rates, competitive dynamics have changed in some of the principal markets in which we operate. In this environment an ability to attract and manage funding remains a critical competitive advantage. Other key competitive factors include cost management, growing digital sales focus, branch network re-shaping, and product simplification. Cost management remains a key focus, as banks seek to simplify their organisational and IT architectures while at the same time investing to ensure that they can meet customers&#8217; evolving channel preferences. Customers have increasingly focused on the use of internet and mobile as sales and service channels for certain types of products. Therefore, competitive position and performance increasingly depends on the possession of user-friendly, diverse and efficient online solutions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Retail Banking</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the retail banking business, NatWest Group competes with a range of providers including UK banks and building societies, major retailers and life assurance companies, as well as the UK subsidiaries of major international banks. In the mortgage market, NatWest Group competes with UK banks, building societies and specialist lenders. Increasingly, the ambitions of non-traditional players in the UK market are gaining credibility, with new entrants active and seeking to build their platforms either through organic growth or in some cases by acquiring businesses made available through the restructuring of incumbents.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Entrants with new business models such as peer-to-peer lending platforms, while currently small, continue to grow rapidly and are emerging as significant competitors. Such competitors often target specific elements of the value chain, providing specialised services to particular customer segments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the UK credit card market, large retailers and specialist card issuers are active in addition to the UK banks. In addition to physical distribution channels, providers compete through direct marketing activity and digital channels.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group distributes life assurance products to banking customers in competition with independent advisors and life assurance companies.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster Bank RoI</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Since the end of July&#160;2021, apart from the UBIDAC asset finance business which remains fully open, commercial banking has been closed to new customers, remaining open for existing customers only. Since the end of October&#160;2021, Ulster Bank RoI has stopped accepting applications from new personal customers, but continues to consider applications on a reduced number of products from existing personal customers, mainly mortgages. Support continues for existing customers pending further decisions on the phased withdrawal.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:12pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">9</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Commercial Banking</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Competition for corporate, institutional and business customers in the UK is from UK banks, from specialised global and regional investment banks and from large foreign universal banks that offer combined investment and commercial banking capabilities as well as from new entrants and non-bank challengers. In asset finance and invoice finance, the bank competes with banks and specialist finance providers, both captive and non-captive. In the small business banking market, the bank competes with other UK banks, specialist finance providers and building societies. In all of these areas, entrants with new technology-based business model are also showing rapid growth.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">RBS International</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">RBS International&#160;competes with other UK and international banks to offer offshore and domestic banking services in the Channel Islands, Gibraltar and the Isle of Man as well as depositary services in the UK and Luxembourg.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Private Banking</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Competition with UK clearing and private banks, asset managers and with international private banks. Competition in wealth management remains strong as banks maintain their focus on competing for affluent and high net worth customers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Markets</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Markets focuses on the needs of large corporates operating in the UK and Western Europe as well as global financial institution customers. NatWest Markets provides financing and risk management for these customers, and trades with financial institutions and counterparties for distribution and market making. There are sales and trading operations in Amsterdam, London, the US and Singapore and offices in a select number of countries. NatWest Markets, therefore, competes with large domestic banks, major international banks and a number of investment banks that offer risk management, trading solutions and debt financing to financial institutions and UK and European corporate customers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s product proposition is built around its core strength of supporting customers across currencies, rates and financing. Key competitive factors in this market include the ability to develop digital innovation, such as automation across flow products, the expertise and markets insight of employees and delivering value-adding bespoke solutions for customers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">With an evolving regulatory landscape and continued pressure on margins, competition in this market remains strong. Many market participants are also revising their strategy in order to ensure they deliver sustainable returns</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">10</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;">Financial summary</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;text-align:right;margin:0pt;">2020<sup style="font-family:'Calibri','Helvetica','sans-serif';font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">&#160;</sup><sup style="font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Income -</b><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;</b><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Interest receivable<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,313</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,798</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (485)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Interest payable<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1,699)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,322)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 623</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (26.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,614</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,476</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 138</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Net fees and commissions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,124</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,000</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 124</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Income from trading activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 323</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,125</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (802)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (71.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Other non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 451</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (93)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 544</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,898</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,032</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (134)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,512</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,508</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Go-forward group income excluding notable items<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,074</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,670</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (596)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5.6)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total income excluding notable items<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,267</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,892</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid 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style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Notable items within total income</b><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;</b><b style="color:#42145f;font-weight:bold;">(3)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><i style="color:#42145f;font-style:italic;">Retail Banking</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Retail Banking debt sale gain</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Metro Bank mortgage portfolio acquisition loss</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (58)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><i style="color:#42145f;font-style:italic;">Private Banking</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Consideration on the sale of the Adam &amp; Company investment management business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 54</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><i style="color:#42145f;font-style:italic;">Commercial Banking</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Commercial Banking fair value and disposal loss</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (22)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (37)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Commercial Banking tax variable lease repricing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 32</b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><i style="color:#42145f;font-style:italic;">NatWest Markets</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">NatWest Markets asset disposals/strategic risk reduction<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (64)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (83)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Own credit adjustments (OCA)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (24)</span></p></td><td 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style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Liquidity Asset Bond sale gains</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 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3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 47</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 83</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (44)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">FX recycling loss in Central items &amp; other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 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style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">Ulster Bank RoI gain arising from the restructuring of structural hedges</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 35</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 245</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (384)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">8 to the consolidated financial statements.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Interest receivable and interest payable on trading assets and liabilities are included in income from trading activities.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Refer to the Non-IFRS financial measures section for details of the basis of preparation and reconciliation of Non-IFRS financial and performance measures</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Asset disposals/strategic risk reduction in 2020 relates to the cost of exiting positions and the impact of risk reduction transactions entered into, in respect of the strategic announcement on 14 February</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2020.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(5)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">IFRS volatility relates to loans which are economically hedged but for which hedge accounting is not permitted under IFRS.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total income was &#163;4 million higher compared with 2020. Total income, excluding notable items, in the Go-forward group</span><sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(1)&#160;</sup><span style="font-size:8pt;">was &#163;596 million, or 5.6% lower than prior&#160;year. Across the UK and RBSI retail and commercial businesses income increased by 1.4% reflecting strong balance sheet growth, principally in our mortgage book. NWM income was below expectations, down &#163;757 million, or 61.5% compared with 2020, reflecting continued weakness in Fixed Income, impacted by subdued levels of customer activity and ongoing reshaping of the business, and exceptional levels of market activity in the prior&#160;year.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net interest margin of 1.45% was 10 basis points lower compared with 2020 </span><span style="font-size:8pt;">Bank NIM</span><sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(2)&#160;</sup><span style="font-size:8pt;">of 2.39% was 7 basis points lower than 2020 impacted by reduced structural hedge income, yield curve movements and lower unsecured balances.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">Structural hedges of &#163;190 billion generated &#163;1.3 billion of incremental net interest income for the&#160;year, compared with &#163;1.1 billion of incremental net interest income on a balance of &#163;159 billion in 2020.</span></p></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Go-forward group excludes Ulster Bank RoI.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">NatWest Group excluding NatWest Markets, liquid asset buffer and Ulster Bank RoI.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">11</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:12pt;">Financial summary continued</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;text-align:right;margin:0pt;">2020&#160;<sup style="font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Operating expenses -</b><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;"> </b><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Staff expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,265</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,416</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (151)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.4)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Premises and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,030</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 989</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 41</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.1</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other administrative expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,427</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,535</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (108)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7.0)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 787</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,013</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (226)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (22.3)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 466</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 113</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 353</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 783</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 792</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.1)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating expenses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,758</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,858</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (100)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.3)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Excluding:</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 466</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 113</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 353</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 787</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,013</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (226)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (22.3)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease depreciation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 140</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 145</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3.4)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ulster Bank RoI direct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 273</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 239</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 34</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14.2</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6,092</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,348</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (256)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:3px double #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.0)</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">8 to the consolidated financial statements.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total operating expenses were &#163;100 million, or 1.3%, lower compared with 2020. Operating expenses excluding litigation and conduct costs, strategic costs, operating lease depreciation and Ulster Bank RoI direct costs decreased by &#163;256 million, or 4.0%, in line with our target for the&#160;year. This has been achieved by transformation across our customer journeys and NWM business, in line with the strategic announcement made in February&#160;2020 </span><span style="font-size:8pt;">and a &#163;68 million reduction in the UK bank levy charge.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Strategic costs of &#163;787 </span><span style="font-size:8pt;">million included &#163;237 million in NWM related to transformation, &#163;124</span><span style="font-size:8pt;"> million of redundancy charges, &#163;88 million of technology spend and an &#163;85 million goodwill impairment.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">Litigation and conduct costs of &#163;466 million represent the net impact of a number of remediation and litigation matters concluding. This amount includes penalties associated with the resolution of FCA&#8217;s investigation into potential breaches of the UK Money Laundering Regulations 2007. Refer to Note&#160;27 for additional information on other litigation and regulatory matters.</span></p></td></tr></table><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:60.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:60.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:16.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:top;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Impairments -</b><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;"> </b><span style="color:#42145f;">Continuing operations</span><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';"> </span><span style="color:#42145f;">(1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans - amortised cost and FVOCI</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 369,827</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 372,399</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,572)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.7)</span></p></td><td style="vertical-align:top;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">ECL provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,806</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,186</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,380)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (38.5)</span></p></td><td style="vertical-align:top;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">ECL provisions coverage ratio (%)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.03</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.66</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.6)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (38.0)</span></p></td><td style="vertical-align:top;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Impairment (releases)/losses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06b3bb;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:top;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">ECL (release)/charge<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1,278)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,131</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4,409)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (140.8)</span></p></td><td style="vertical-align:top;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amounts written off</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 876</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.85%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 937</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.35%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (61)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6.5)</span></p></td><td style="vertical-align:top;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">8 to the consolidated financial statements.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The table above summarises loans and related credit impairment measured on an IFRS 9 basis. Refer to Credit Risk</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;&#8211;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> Banking activities in the Risk and capital management section for further details.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">A net impairment release of &#163;1,278 million reflects the low levels of realised losses we have seen across the&#160;year. 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;text-align:right;margin:0pt;">2020&#160;<sup style="font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Tax - </b><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tax charge</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (996)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (74)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK corporation tax rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 19.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Effective tax rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 24.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (23.7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">8 to the consolidated financial statements.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">A tax charge of &#163;996 million for the&#160;year ended 31 December&#160;2021 arises rather than the expected tax charge of &#163;766 million based on the UK corporation tax rate of 19%. The higher tax charge reflects the UK banking surcharge, and other non-deductible items such as UK bank levy. These factors have been partially offset by the impact on the group&#8217;s UK net deferred tax asset of the increased tax rate from 1 April&#160;2023, enacted on 10 June&#160;2021. Further details can be found in Note&#160;7 to the consolidated financial statements.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">12</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;">Summary consolidated balance sheet as at 31 December&#160;2021</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 177,757</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 124,489</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 53,268</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 59,158</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 68,990</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9,832)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (14)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 106,139</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 166,523</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (60,384)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (36)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,141</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,297</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (156)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,682</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,955</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 727</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 358,990</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 360,544</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,554)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(0)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 46,145</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 55,148</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9,003)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (16)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other assets (including intangible assets)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14,965</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14,545</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 420</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets of disposal groups</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,015</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,015</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 781,992</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 799,491</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (17,499)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 26,279</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 20,606</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5,673</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 28</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 479,810</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 431,739</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 48,071</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,068</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5,545</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3,477)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (63)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 64,598</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 72,256</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,658)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 100,835</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 160,705</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (59,870)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (37)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 49,326</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 45,811</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,515</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8,429</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,962</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,533)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (15)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Notes in circulation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,047</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,655</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 392</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,797</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,388</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (591)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 740,189</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 755,667</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (15,478)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 41,803</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43,824</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,021)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total liabilities and equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 781,992</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 799,491</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (17,499)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tangible net asset value per ordinary share (pence)<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">272p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">261p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">11p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Tangible net asset value per ordinary share represents tangible equity divided by the number of ordinary shares.</span></td></tr></table><div style="margin-top:12pt;"></div><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total assets of &#163;782.0 billion as at 31 December&#160;2021 decreased by &#163;17.5 billion, 2%, compared with 31 December&#160;2020. This was primarily driven by decreases in derivatives, trading assets and other financial assets partially offset by cash and balances at central banks.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Cash and balances at central banks increased by &#163;53.3 billion, 43%, to &#163;177.8 billion mainly as a result of a net customer funding surplus driven by significant deposit inflows flow in addition to &#163;15.6 billion liquidity and debt portfolio optimisation activity.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Trading assets decreased by &#163;9.8 billion, 14%, to &#163;59.2 billion mainly driven by reductions in cash collateral and debt securities. Trading liabilities decreased by &#163;7.7 billion, 11%, to &#163;64.6 billion due to reduction in cash collateral.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Derivative assets decreased &#163;60.4 billion, 36%, to &#163;106.1 billion, and liabilities, decreased by &#163;59.9 billion, 37%, to &#163;100.8 billion. These movements were driven by a decrease in underlying volumes due to matured trades and buyouts exceeding new trades and lower mark-to-market valuations due to higher interest rates for major currencies in the&#160;year.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Loans to customers&#160;- amortised cost, decreased by &#163;1.6 billion, to &#163;359.0 billion including &#163;11.3 billion decrease in Ulster Bank ROI predominantly due to a reclassification of banking portfolio loans to assets of disposal groups, partially offset by an &#163;9.9 billion increase in Retail Banking driven by strong gross mortgage lending.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Other financial assets, which includes debt securities, equity shares and other loans, decreased by &#163;9.0 billion, 16%, to &#163;46.1 billion, primarily due to reductions in debt securities.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Customer deposits increased by &#163;48 billion, 11%, to &#163;479.8 billion including increases of &#163;17.1 billion in Retail Banking, &#163;10 billion in Commercial Banking and &#163;7.0 billion in Private Banking as customers retained liquidity in light of the COVID-19 economic uncertainty. Treasury reflected a &#163;9.4 billion increase in customer facing repos due to prevailing market conditions.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Other financial liabilities, which includes customer deposits at fair value through profit and loss and debt securities in issue, increased by &#163;3.5 billion, 8%, to &#163;49.3 billion.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Subordinated liabilities have decreased by &#163;1.5 billion, 15%, to &#163;8.4 billion due to redemptions partially offset by new issuances.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Other liabilities decreased by &#163;0.6 billion, 9%, to &#163;5.8 billion mainly due to lower lease liabilities in the&#160;year.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">Owners&#8217; equity decreased by &#163;2.0 billion, 5%, to &#163;41.8 billion, driven by share repurchase, ordinary and paid-in-equity dividends paid, partially offset by the attributable profit for the&#160;year.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#3b1251;font-size:12pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">13</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#3b1251;font-size:12pt;">Segmental summary income statements</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div 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style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="13" style="vertical-align:bottom;white-space:nowrap;width:52.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Go-forward&#160;group</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Central</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">excluding</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Retail</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Private</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Commercial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RBS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">items</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">International</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Markets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&amp;&#160;other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank&#160;RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank&#160;RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Group</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,074</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 480</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,582</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 383</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (14)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,514</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 100</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,614</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 371</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 336</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,293</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 165</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 406</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 199</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,770</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 128</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,898</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,445</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 816</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,875</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 548</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 415</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 185</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,284</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 228</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,512</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,250)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (504)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,153)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (228)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (907)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (42)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (6,084)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (421)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (6,505)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (187)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (19)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (93)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (11)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (254)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (201)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (765)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (22)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (787)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (76)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (108)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (3)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (243)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (427)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (39)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (466)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,513)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (520)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,354)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (242)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1,161)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (486)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (7,276)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (482)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (7,758)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 36</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 54</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,073</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 52</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 35</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,250</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 28</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,278</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,968</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 350</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,594</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 358</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (711)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (301)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,258</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (226)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,032</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income excluding notable items</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,445</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 762</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,865</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 548</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 473</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (19)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,074</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 193</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,267</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on tangible equity<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 26.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 17.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (13.1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">na</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 56.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 63.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 59.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 44.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 279.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 70.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 73.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 188.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 39.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 177.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 37.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 461.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 479.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average interest earning assets (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 196.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 27.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 168.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 37.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 32.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 524.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.08</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.76</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.54</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.01</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Third party customer asset rate<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.66</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.36</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.71</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.26</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Third party customer funding rate<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.06)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.01)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.08</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.02</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020 (4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,868</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 489</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,740</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 371</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (57)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (57)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,354</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 122</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,476</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 313</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 274</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,218</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 126</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,180</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (179)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,932</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 100</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,032</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,181</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,958</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 497</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,123</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (236)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,286</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 222</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,508</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,295)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (466)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,261)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (244)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,038)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (19)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6,323)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (409)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6,732)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (226)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (15)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (179)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (49)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (267)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (252)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (988)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (25)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,013)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (19)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (120)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (106)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (113)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,540)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (455)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,430)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (291)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,310)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (391)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,417)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (441)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,858)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment losses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (792)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (100)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,927)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (107)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (40)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (26)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,992)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (139)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3,131)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 849</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 208</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (399)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 99</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (227)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (653)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (123)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (358)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (481)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income excluding notable items</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,231</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,995</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 497</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,230</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (46)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,670</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 222</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,892</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on tangible equity<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">na</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 60.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 59.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 59.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 58.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 116.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 71.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 74.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 171.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 167.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 412.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 431.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average interest earning assets (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 181.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 23.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 163.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 37.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 483.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.13</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.05</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.68</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.17</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Third party customer asset rate<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.89</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.53</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.86</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.51</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:28.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Third party customer funding rate<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.19)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.11)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.08)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.01)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.04)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">nm = not meaningful</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Refer to the Non-IFRS financial measures section for details of the basis of preparation.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">NatWest Group</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#8217;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">s CET1 target is approximately 14% but for the purposes of computing segmental return on equity (ROE), to better reflect the differential drivers of capital usage, segmental operating profit adjusted for preference share dividends and tax is divided by average notional equity allocated at different rates of 14.5% (Retail Banking), 15.5% (Ulster Bank RoI), 11.5% (Commercial Banking), 12.5% (Private Banking), 16% (RBS International) and 15% for all other segments, of the period average of segmental risk-weighted assets equivalents (RWAe) incorporating the effect of capital deductions. NatWest Group return on equity is calculated using profit attributable to ordinary shareholders. Refer to the Non-IFRS financial measures section for details of the basis of preparation.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Third party customer asset rate is calculated as annualised interest receivable on third-party loans to customers as a</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">percentage of third-party loans to customers. This excludes assets of disposal groups, intragroup items, loans to banks and liquid asset portfolios. Third party customer funding rate reflects interest payable or receivable on third-party customer deposits, including interest bearing and non-interest bearing customer deposits. Intragroup items, bank deposits, debt securities in issue and subordinated liabilities are excluded from the customer funding rate calculation. Net interest margin is calculated as net interest income as a</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">percentage of the average interest-earning assets, excluding assets of disposal groups and without these remaining exclusions.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">8 to the consolidated financial statements.</span></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:12pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">14</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Segment performance</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Retail Banking</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:9pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,074</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,868</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 206</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 371</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 313</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 58</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,445</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,181</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 264</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,250)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,295)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 45</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (187)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (226)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 39</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (17)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (76)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (19)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (57)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 300</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,513)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,540)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 36</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (792)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 828</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (105)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating profit</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,968</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 849</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,119</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 132</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Performance ratios</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Return on equity<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span><sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 26.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.08</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.13</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.05)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 56.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 60.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(2bps)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">45bps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(47bps)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Return on equity is based on segmental operating profit after tax adjusted for preference dividends divided by average notional equity based on 14.5% of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">the period average of segmental risk-weighted assets incorporating the effect of capital deductions (RWAes)</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">, assuming a 28% tax rate.</span></td></tr></table><div style="margin-top:12pt;"></div><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Capital and balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- personal advances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 172.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 163.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- cards</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 183.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 174.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1.5)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (17)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 182.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 172.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 210.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 197.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 188.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 171.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk-weighted assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 36.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 36.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">In 2021, Retail Banking continued to grow net lending with an measured approach to risk, delivering a return on equity of 26.1% and operating profit of &#163;1,968 million. Lending growth was supported by a strong performance in mortgages and a return to unsecured lending growth in the second half of 2021.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Retail Banking completed &#163;1.1 billion of Climate and Sustainable Funding and Financing in 2021, which will contribute towards the new NatWest Group target of &#163;100 billion of Climate and Sustainable Funding and Financing between 1 July&#160;2021 and the end of 2025.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total income was &#163;264 million, or 6.3%, higher than 2020 reflecting mortgage balance and margin improvement, higher transactional-related fee income and non-repeat of loss on acquisition, partially offset by the impact of the lower interest rate environment on deposit returns, lower average unsecured balances and the annualised impact of regulatory changes on fee income.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net interest margin was 5 basis points lower than 2020 reflecting lower deposit returns and lower average unsecured balances, partly offset by higher mortgage margins.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Operating expenses decreased by &#163;27 million, or 1.1%, compared with 2020. Other expenses decreased by &#163;45 million, or 2.0%, compared with 2020 primarily reflecting an 8.8% reduction in headcount as a result of continued customer digital adoption, automation and improvement of end-to-end customer journeys, including digitalising the customer account opening processes, leading to an increase in straight through processing within journeys from 45% in December&#160;2020 to 70% in December&#160;2021.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Strategic costs of &#163;117 million in Q4 2021 include an &#163;85 million impairment of goodwill, reflecting a legacy business in accelerated run down within Retail Banking.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">An impairment release of &#163;36 million primarily reflects ECL provision releases in the non-defaulted portfolio.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net loans to customers increased by &#163;9.9 billion, or 5.7%, compared with 2020 as a result of strong gross new mortgage lending and improved retention. Gross new mortgage lending was &#163;36.0 billion with flow share of 11.5%, supporting mortgage balance growth of &#163;9.8 billion or 6.0%, representing a stock share of 11.0%. Cards were stable however, we have seen improved customer spend and demand in the second half of 2021. Personal advances reduced by &#163;0.2 billion as customers made higher overdraft repayments in H1 2021, reflecting the impact of UK Government restrictions partly offset by growth in H2 2021 as customer demand for personal loans increased as the UK economy recovered.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Customer deposits increased by &#163;17.1 billion, or 10.0%, compared with 2020 as UK Government schemes combined with Covid related restrictions resulted in lower customer spend and increased savings in H1 2021.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">RWAs were broadly stable compared with 2020 primarily reflecting lending growth, offset by continued quality improvements.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">15</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Segment performance continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Private Banking</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 480</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 489</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 336</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 274</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 62</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 23</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 816</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 53</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (504)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (466)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (38)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (19)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (15)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (23)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (88)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (520)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (455)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (65)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 54</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (100)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 154</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (154)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating profit</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 350</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 208</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 142</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 68</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Performance ratios</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 17.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.76</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.05</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.29)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 63.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 59.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(29bps)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">58bps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(87bps)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Return on equity is 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Capital and balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- personal</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 29.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets under management (AUMs)&#160;(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 30.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets under administration (AUAs)&#160;(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets under management and administration (AUMA)&#160;(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 35.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 39.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan:deposit ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 47</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 52</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (10)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk-weighted assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The definition of AUMs/AUAs has been updated to provide clarity on assets where the investment management is undertaken by Private Banking. AUMs now comprises assets where the investment management is undertaken by Private Banking irrespective of the franchise the customer belongs to. AUAs now comprises third party assets held on an execution-only basis in custody. Total AUMA remain as before.</span></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">In 2021, Private Banking delivered strong growth across AUMA, lending and deposits which has supported a 2021 return on equity of 17.0% and operating profit of &#163;350 million. Digital net new money across NatWest Invest, Royal Bank Invest and Coutts Invest of &#163;0.8 billion in 2021 is more than double 2020. Approximately 2,114 new customers were onboarded into Private Banking, an increase of around 29% compared to 2020.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Group completed the sale of Adam&#160;&amp; Company&#8217;s investment management business on 1 October&#160;2021 for a total consideration of &#163;54 million, which has been recorded as a notable item in the Q4 2021 results.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total income was &#163;53 million, or 6.9%, higher than 2020 reflecting a &#163;54 million consideration from the sale of the Adam&#160;&amp; Company investment management business in Q4 2021 and strong balance growth partially offset by lower deposit returns in a lower interest rate environment.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net interest margin decreased by 29 basis points reflecting lower deposit returns and higher liquidity portfolio costs.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Operating expenses were &#163;65 million, or 14.3%, higher compared with 2020. Other expenses were &#163;38 million, or 7.9%, higher than 2020 principally due to investment in digital infrastructure and an increase in headcount related to the enhancement of AUMA growth propositions.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">A net impairment release of &#163;54 million in 2021 mainly reflects ECL provision releases in non-default portfolios.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net loans to customers increased by &#163;1.4 billion, or 8.2%, compared with 2020 driven by continued strong mortgage lending growth of &#163;1.1 billion or 10.3%, including gross new lending of &#163;3.3 billion. RWAs increased by &#163;0.4 billion, or 3.7%.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Customer deposits increased by &#163;6.9 billion, or 21.3%, compared with 2020 reflecting strong personal and commercial inflows as UK Government restrictions resulted in clients continuing to build and retain liquidity.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">AUMAs increased by &#163;3.5 billion, or 10.9%, driven by an increase in AUM net new money (NNM) of &#163;3.0 billion and AUM positive investment performance of &#163;2.1 billion, partially offset by the &#163;1.8 billion impact of the sale of Adam&#160;&amp; Company&#8217;s investment management business and &#163;0.2 billion EEA resident client outflows following the UK&#8217;s exit from the EU. AUM NNM of &#163;3.0 billion represents 9.3% of opening AUMAs, which is double NNM in 2020.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">16</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#3b1251;font-size:12pt;">Segment performance continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Commercial Banking</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,582</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,740</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (158)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,293</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,218</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 75</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,875</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,958</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (83)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses (excluding operating lease depreciation)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,013)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,116)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 103</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (93)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (179)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 86</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (48)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (108)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (118)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,180)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,354)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,430)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 76</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,073</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,927)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,000</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (156)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating profit/(loss)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,594</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (399)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,993</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (750)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Performance ratios</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.54</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.68</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.14)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 59.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 59.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.6)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(104bps)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">173bps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(277bps)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Return on equity is based on segmental operating profit after tax adjusted for preference dividends divided by average notional equity based on 11.5% of the period average of segmental risk-weighted assets incorporating the effect of capital deductions (RWAes), assuming a 28% tax rate.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Capital and balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- business banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- SME &amp; mid corporates</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 34.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- specialised business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- large corporates &amp; institutions<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">18.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.6)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (12)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- real estate<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">18.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (13)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- commercial - EU divestment<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5.9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (100)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- other<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>(4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">0.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (44)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 102.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 111.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (8.4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (8)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1.5)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (48)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 101.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 108.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7.0)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 184.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 187.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 177.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 167.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan:deposit ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 57</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 65</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (12)</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk-weighted assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 66.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 75.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (8.7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (12)</span></p></td></tr></table><p 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European business segment.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Real estate includes commercial real estate and housing associations.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">EU Divestment balances from Q2 2021 integrated within business banking (Q3 2020</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">- </span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">0.9 billion, Q4 2020</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">- </span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">1.1 billion) and SME</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&amp; mid corporates (Q3 2020</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">- </span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">5.0 billion, Q4 2020</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">- </span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">4.8 billion), as the Incentivised Switching Scheme (ISS) closed at the end of June</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2021.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Other includes shipping and project finance.</span></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Commercial Banking delivered a resilient performance with a return on equity of 22.0% and operating profit of &#163;2,594 million including a &#163;1,073 million impairment release as the UK economy continued to recover. Returns have improved through active capital management, pricing discipline, and a targeted sector strategy linked to our purpose.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Growth in Tyl, our innovative merchant acquiring platform saw over &#163;1.5 billion of transactions in 2021, three times 2020 levels, as transaction activity recovered and customers favoured digital payment solutions and reduced their reliance on cash and branch.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Commercial Banking completed &#163;5.2 billion of Climate and Sustainable Funding and Financing in 2021, including &#163;2.7 billion in H2 2021 which will contribute towards the new NatWest Group target of &#163;100 billion between 1 July&#160;2021 and the end of 2025.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total income was &#163;83 million, or 2.1%, lower than 2020 due to reduced deposit returns in a low interest rate environment and lower lending volumes, partially offset by a recovery in transactional banking fee income in H2 2021 driven by the UK economy.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net interest margin decreased by 14 basis points in 2021 reflecting lower deposit returns.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Operating expenses were &#163;76 million, or 3.1%, lower compared with 2020. Other expenses, excluding OLD, decreased by &#163;103 million, or 4.8%, compared with 2020 reflecting cost efficiencies and simplifying our operating model enabling better service to our customers including building momentum in our digital service, whilst reducing our headcount by 9.8%.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Impairment release of &#163;1,073 million primarily reflects ECL provision releases related to the improved economic outlook with Stage 3 defaults remaining at low levels.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net loans to customers decreased by &#163;7.0 billion, or 6.4%, compared with 2020 primarily reflecting and targeted sector reductions including real estate, retail and leisure and active capital management of &#163;1.0 billion. Customer liquidity resulted in net revolving credit facility (RCF) repayments of &#163;1.7 billion driven by large corporates&#160;&amp; institutions and real estate as well as UK Government financial support scheme repayments of &#163;1.3 billion. RCF utilisation was approximately 19% of committed facilities in 2021, significantly below pre-COVID-19 levels of approximately 27%. These items were partially offset by &#163;1.4 billion lower loan provisions and growth in specialist businesses of &#163;0.7 billion.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Customer deposits increased by &#163;10.0 billion, or 6.0%, compared with 2020 reflecting customer behaviour to build and retain liquidity.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">RWAs decreased by &#163;8.7 billion, or 11.6%, compared with 2020 mainly reflecting business movements including targeted sector reductions in real estate and retail, improvement in risk parameters and active capital management of &#163;1.5 billion.</span></p></td></tr></table></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">17</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#3b1251;font-size:12pt;">Segment performance continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">RBS International</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 383</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 371</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 165</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 126</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 39</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 548</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 497</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 51</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (228)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (244)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (11)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (49)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 38</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (78)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (3)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (250)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (242)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (291)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 49</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (17)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 52</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (107)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 159</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (149)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating profit</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 358</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 99</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 259</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 262</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Performance ratios</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.01</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.17</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.16)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 44.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 58.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (14.4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(33bps)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">80bps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">(113bps)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Return on equity is based on segmental operating profit after tax adjusted for preference dividends divided by average notional equity based on 16% of the period average of segmental risk-weighted assets incorporating the effect of capital deductions (RWAes), assuming a 17.5% (14% prior to Q1 2021) tax rate.</span></td></tr></table><div style="margin-top:12pt;"></div><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Capital and balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- corporate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 12.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 22</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 40.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 34.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 37.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 20</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk-weighted assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:60.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depositary assets (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 479.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 427.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 51.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.91%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Assets held by RBSI as an independent trustee and in a depositary service capacity.</span></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">During 2021 RBS International (RBSI) delivered &#163;358 million of operating profit with return on equity of 22.5% through strong lending and deposit volumes, an impairment release and continued growth in our depositary offering. This was achieved while continuing investment in our digital offering to customers including new payment features on the mobile app for both personal and business customers and the extension of our video banking proposition delivered in 2021.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">RBSI completed &#163;1.5 billion of Climate and Sustainable Funding and Financing in 2021, including &#163;0.9 billion in H2 2021 which will contribute towards the new NatWest Group target of &#163;100 billion between 1 July&#160;2021 and the end of 2025.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total income increased by &#163;51 million, or 10.3%, compared with 2020 as a result of higher average lending balances in Institutional Banking, including higher non-utilisation fees, and higher depositary fee income.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net interest margin decreased by 16 basis points in 2021 reflecting a higher proportion of lower yielding assets with central banks due to the higher volume of short term customer deposits in the&#160;year.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Operating expenses were &#163;49 million, or 16.8% lower compared with 2020. Other expenses decreased by &#163;16 million, or 6.6%, compared with 2020 primarily reflecting the reduction in the bank levy charge for 2021.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">An impairment release of &#163;52 million in 2021 largely reflects releases across Stage 1 and 2 within the wholesale sector.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Net loans to customers increased by &#163;2.2 billion, or 16.5%, compared with 2020 as a result of higher Institutional Banking sector volumes.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Customer deposits increased by &#163;6.2 billion, or 19.8%, compared with 2020 as a result of higher call balances in the Institutional Banking sector throughout the&#160;year.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Depositary assets were &#163;51.9 billion, or 12.1%, higher than 2020 reflecting strong performance in the funds sector primarily in the UK.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">RWAs of &#163;7.5 billion are broadly stable compared with 2020 as a result of lending volume growth primarily in the Institutional Banking sector, offset by model updates in the period.</span></p></td></tr></table></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">18</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Segment performance continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">NatWest Markets</span><sup style="color:#5e10b1;font-size:6.75pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:18.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (57)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 66</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (116)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 406</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,180</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (774)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (66)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 415</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,123</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (708)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (63)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (907)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,038)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 131</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (13)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (254)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (267)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (100)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1,161)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,310)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 149</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 35</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (40)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 75</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (188)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating loss</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (711)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (227)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (484)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 213</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06c5bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Analysis of income by product (2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fixed income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (64)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 518</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (582)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (112)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Currencies</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 427</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 583</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (156)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (27)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Capital Markets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 336</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 384</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (48)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (13)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Capital Management Unit &amp; other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (29)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (62)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 33</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (53)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income before revenue share paid, asset disposals and OCA</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 670</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,423</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (753)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (53)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Revenue share with other NatWest Group segments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (197)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (193)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income excluding asset disposals and OCA</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 473</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,230</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (757)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (62)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Asset disposals/strategic risk reduction (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (64)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (83)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (23)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Own credit adjustments (OCA)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (24)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 30</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (125)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 415</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,123</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (708)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (63)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Performance ratios</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity (4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> (13.1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> 279.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 116.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 163.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.93%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:59%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><span style="color:#42145f;">2021</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">Variance</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Capital and balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><span style="color:#42145f;">&#163;bn</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;white-space:pre-wrap;"> 7.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;white-space:pre-wrap;"> 200.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 270.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (69.4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (26)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Funded assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;white-space:pre-wrap;"> 96.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 105.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk-weighted assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;white-space:pre-wrap;"> 24.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (10)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The NatWest Markets operating segment is not the same as the NatWest Markets Plc legal entity (NWM Plc) or group (NWM or NWM Group) because the NatWest Markets segment excludes the Central items</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&amp; other segment.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Product performance includes gross income earned on a group-wide basis, including amounts contributed to other segments.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Asset disposals/strategic risk reduction relates to the cost of exiting positions, which includes changes in carrying value to align to the expected exit valuation, and the impact of risk reduction transactions entered into, in respect of the strategic announcement on 14 February</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2020.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Return on equity is based on segmental operating profit after tax adjusted for preference dividends divided by average notional equity based on 15% of the period average of segmental risk-weighted assets incorporating the effect of capital deductions (RWAe), assuming a 28% tax rate.</span></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Markets has supported its customers&#8217; evolving needs with innovative solutions and continued to deliver a more integrated customer proposition across NatWest Group. NatWest Markets has made good progress on building a refocused, sustainable business from which it can grow. NatWest Markets incurred an operating loss in 2021 but </span><span style="font-size:8pt;">has largely completed its RWA reduction and continued</span><span style="font-size:8pt;"> to reduce operating expenses, and in Q4 2021, introduced changes to Rates which will improve the strategic alignment with the rest of the business and drive income growth. </span><span style="font-size:8pt;">NatWest Markets performance at the beginning of 2022 has been in line with expectations.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">NatWest Markets completed &#163;9.7 billion of Climate and Sustainable Funding and Financing in 2021, including &#163;3.3 billion in H2 2021 which will contribute towards the new NatWest Group target of &#163;100 billion between 1 July&#160;2021 and the end of 2025.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total income was &#163;708 million, or 63.0% lower compared with 2020. Income excluding asset disposals/strategic risk reduction and OCA was &#163;757 million, or 61.5% lower than 2020. The performance of Fixed Income was weak in 2021 impacted by subdued levels of customer activity and the reshaping of the business, in contrast to the prior&#160;year which benefitted from exceptional levels of market activity generated by the initial spread of the COVID-19 virus. Both Currencies and Capital Markets income were lower than in 2020 but performed broadly in line with expectations.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Operating expenses were &#163;149 million, or 11.4%, lower compared with 2020. Other expenses decreased by &#163;131 million, or 12.6%, compared with 2020 reflecting continued reductions in line with the strategic announcement in February&#160;2020.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">A net impairment release of &#163;35 million in 2021 reflects releases against a number of cases throughout the&#160;year.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">RWAs decreased by &#163;2.7 billion, or 10.0%, compared with 2020 reflecting lower levels of market risk and counterparty credit risk, including the impact of capital optimisation actions taken throughout the&#160;year.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">19</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Segment performance continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Ulster Bank RoI</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Continuing operations</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2020&#160;(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:16.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 100</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 122</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (22)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (18)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 128</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 100</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 28</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 28</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 228</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 222</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (421)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (409)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (12)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (22)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (25)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (12)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (39)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (32)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 457</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (482)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (441)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (41)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 28</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (139)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 167</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (120)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating loss</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (226)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (358)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 132</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (37)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average exchange rate - &#8364;/&#163;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1.163</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;white-space:pre-wrap;"> 1.125</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">8 to the consolidated financial statements.</span></td></tr></table><div style="margin-top:12pt;"></div><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:16.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Capital and balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7.5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (55)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- other lending</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (80)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 18.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11.6)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (62)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.5)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (38)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 18.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (63)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (14)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Funded assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (14)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Risk-weighted assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.7)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (23)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Spot exchange rate - &#8364;/&#163;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.190</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.113</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Ulster Bank RoI continues to make progress on its phased withdrawal from the Republic of Ireland. On 17 December&#160;2021 UBIDAC entered a legally binding agreement with Permanent TSB p.l.c. (PTSB) for the proposed sale of approximately &#8364;7.6 billion of gross performing loans as at 30 June&#160;2021, comprising performing non-tracker mortgages, performing loans in the micro-SME business, the UBIDAC Asset Finance business, including its digital platform, and 25 Ulster Bank branch locations. Completion of the sale is subject to obtaining competition, regulatory and other approvals, including PTSB&#8217;s holding company shareholder approval, and other conditions being satisfied. The transaction is expected to occur in phases between Q4 2022 and Q1 2023 with the majority of loans expected to transfer by Q4 2022.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Progress continues with Allied Irish Banks, p.l.c. (AIB) for the transfer of approximately &#8364;4.2 billion, plus up to &#8364;2.8 billion of undrawn exposures, of performing commercial lending. A key part of the process is to complete the regulatory approvals and the Competition and Consumer Protection Commission (CCPC) has already carried out an extended preliminary investigation and on 31 December&#160;2021 announced its decision to carry out a Phase 2 investigation into the proposed sale. There is no firm date for the completion of this process. Discussions are ongoing with other counterparties about their potential interest in other parts of the bank.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">The values shown above represent the continuing operations of Ulster Bank RoI, including re-presented comparatives for the income statement. The re-presentation is in accordance with IFRS 5 &#8216;Non-current Assets Held for Sale and Discontinued Operations&#8217;.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Total income was &#163;6 million, or 2.7% (&#8364;15 million, or 6.0% in euro terms), higher than 2020 reflecting gains arising from the adjustment of the swap hedging portfolio to align the modelled maturity position of deposits and other balances to the withdrawal plan, offset by lower lending levels and fee income as a result of the decision to withdraw from the RoI market.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Operating expenses were &#163;41 million, or 9.3%, ( &#8364;59 million, or 11.8%, in euro terms) higher compared with 2020. Other expenses were &#163;12 million, or 2.9% (&#8364;25 million, or 5.4% in euro terms), higher than 2020, due to higher VAT costs and regulatory levies, partially offset by a 15% reduction in headcount, lower advertising spend and back office operational costs.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">A net impairment release of &#163;28 million (&#8364;33 million) in 2021 reflects improvements in the reducing loan portfolios and economic forecasts.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">Net loans to customers decreased by &#163;11.3 billion (&#8364;12.1 billion) primarily due to the reclassification of &#163;9.0 billion (&#8364;10.7 billion) of loans to the disposal group.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">20</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Segment performance continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Central items&#160;&amp; other</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:62.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:16.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Variance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:62.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central items not allocated</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (301)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (653)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 352</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (54)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Funding and operating costs have been allocated to operating segments based on direct service usage, the requirement for market funding and other appropriate drivers where services span more than one segment. Residual unallocated items relate to volatile corporate items that do not naturally reside within a segment.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">2021 compared with 2020</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:12pt;margin-top:0pt;"><span style="font-size:8pt;">Central items not allocated represented a &#163;301 million operating loss in 2021 principally reflecting litigation and conduct charges of &#163;243 million, strategic costs of &#163;201 million and losses on redemption of own debt of &#163;138 million related to the repurchase of legacy instruments, partially offset by a &#163;219 million share of gains under equity accounting for Business Growth Fund, and other Treasury income. 2020 included the day one loss on redemption of own debt of &#163;324 million related to the repurchase of legacy instruments, property-related strategic costs and litigation and conduct charges.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#3b1251;font-size:12pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">21</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial review continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 6pt 0pt;"><span style="color:#3b1251;font-size:12pt;">Summary financial statements</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">NatWest Group&#8217;s financial statements are prepared in accordance with IFRS. Selected data under IFRS for each of the last three&#160;years is presented below.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;text-align:right;margin:0pt;">2020<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span><sup style="font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;text-align:right;margin:0pt;">2019<sup style="font-family:'Calibri','Helvetica','sans-serif';font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">&#160;</sup><sup style="font-size:4.5pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Summary consolidated income statement</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#163;m</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#163;m</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,614</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,476</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,799</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,898</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,032</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,188</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,512</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,508</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,987</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (7,758)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,858)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9,280)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit before impairment losses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,754</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,650</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,707</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,278</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3,131)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (724)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,032</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (481)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,983</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tax charge</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (996)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (74)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (439)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) from continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,036</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (555)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,544</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit from discontinued operations, net of tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 276</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 121</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 256</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) for the year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,312</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (434)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,800</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Attributable to:</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,950</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (753)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,133</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Preference shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 19</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 39</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Paid-in equity holders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 299</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 355</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 367</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-controlling interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 44</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (62)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 261</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,312</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (434)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,800</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note</span><span style="font-family:'RN House Sans Regular';font-size:6pt;font-style:normal;font-weight:normal;">&#160;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">8 to the consolidated financial statements.</span></td></tr></table><div style="margin-top:12pt;"></div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Summary consolidated balance sheet</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 177,757</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 124,489</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 80,993</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 59,158</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 68,990</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 76,745</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 106,139</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 166,523</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 150,029</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,141</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,297</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,387</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks and customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 366,672</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 367,499</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 334,501</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 46,145</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 55,148</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 61,452</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other and intangible assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14,965</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14,545</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14,932</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets of disposal groups</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,015</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 781,992</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 799,491</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 723,039</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 506,089</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 452,345</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 389,740</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 64,598</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 72,256</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 73,949</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances, derivatives, other financial liabilities and subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 160,658</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 222,023</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 206,147</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8,844</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,043</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,647</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Owners&#39; equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 41,796</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43,860</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43,547</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-controlling interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (36)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total liabilities and equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 781,992</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 799,491</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 723,039</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">22</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Financial statements</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_c1a01d4f_00e6_4760_978d_a960a63d9a35"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;background:#f2f2f2;"><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;margin:0pt;padding:0pt;"></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;margin:0pt;padding:0pt;"></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">Page</p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#IndependentAuditors"><span style="font-style:normal;font-weight:normal;">Independent auditor</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s report</span></a><span style="font-size:8pt;"> (PCAOB number: </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:AuditorFirmId" id="Narr_f486D5PVi0WciedtKiCUeQ"><span style="font-size:8pt;">1438</span></ix:nonNumeric><span style="font-size:8pt;">)</span></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">28</span></p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Consolidatedincomestatementfortheyearend"><span style="font-style:normal;font-weight:normal;">Consolidated income statement</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">29</span></p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Consolidatedstatementofcomprehensiveinco"><span style="font-style:normal;font-weight:normal;">Consolidated statement of comprehensive income</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">30</span></p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Consolidatedbalancesheetasat31December20"><span style="font-style:normal;font-weight:normal;">Consolidated balance sheet</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">31</span></p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Consolidatedstatementofchangesinequityfo"><span style="font-style:normal;font-weight:normal;">Consolidated statement of changes in equity</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">32</span></p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Consolidatedcashflowstatementfortheyeare"><span style="font-style:normal;font-weight:normal;">Consolidated cash flow statement</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">34</span></p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:top;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Accountingpolicies"><span style="font-style:normal;font-weight:normal;">Accounting policies</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">36</span></p></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:bottom;width:84.34%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a1Netinterestincome_902109"><span style="font-style:normal;font-weight:normal;">Notes</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">on the consolidated accounts</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">43</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a1Netinterestincome_902109"><span style="font-style:normal;font-weight:normal;">Net interest income</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">43</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a2Noninterestincome_914654"><span style="font-style:normal;font-weight:normal;">Non-interest income </span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">44</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a3Operatingexpenses_709753"><span style="font-style:normal;font-weight:normal;">Operating expenses</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">45</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a4Segmentalanalysis_268089"><span style="font-style:normal;font-weight:normal;">Segmental analysis</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">48</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a5Pensions_716617"><span style="font-style:normal;font-weight:normal;">Pensions</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">53</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a6Auditorsremuneration_737976"><span style="font-style:normal;font-weight:normal;">Auditor</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s remuneration</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">58</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a7Tax_285119"><span style="font-style:normal;font-weight:normal;">Tax</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">58</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a8Discontinuedoperationsandassetsandliab"><span style="font-style:normal;font-weight:normal;">Discontinued operations and assets and liabilities of disposal groups</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">62</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a9Earningspershare_224228"><span style="font-style:normal;font-weight:normal;">Earnings per share</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">63</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a10Financialinstrumentsclassification_45"><span style="font-style:normal;font-weight:normal;">Financial instruments</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">- classification</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">63</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a11Financialinstrumentsvaluation_955918"><span style="font-style:normal;font-weight:normal;">Financial instruments</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">- valuation</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">68</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a12Financialinstrumentsmaturityanalysis_"><span style="font-style:normal;font-weight:normal;">Financial instruments</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">- maturity analysis</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">77</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a13Tradingassetsandliabilities_413942"><span style="font-style:normal;font-weight:normal;">Trading assets and liabilities</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">79</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a14Derivatives_285222"><span style="font-style:normal;font-weight:normal;">Derivatives</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">79</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a15Loanimpairmentprovisionscontinued_535"><span style="font-style:normal;font-weight:normal;">Loan impairment provisions</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">84</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a16Otherfinancialassets_315085"><span style="font-style:normal;font-weight:normal;">Other financial assets</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">87</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a17Intangibleassets_632026"><span style="font-style:normal;font-weight:normal;">Intangible assets</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">88</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a18Otherassets_619100"><span style="font-style:normal;font-weight:normal;">Other assets</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">89</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a19Otherfinancialliabilities_432826"><span style="font-style:normal;font-weight:normal;">Other financial liabilities</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">89</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a20Subordinatedliabilities_897668"><span style="font-style:normal;font-weight:normal;">Subordinated liabilities</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">90</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a21Otherliabilities_12772"><span style="font-style:normal;font-weight:normal;">Other liabilities</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">91</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a22Sharecapitalandotherequity_107080"><span style="font-style:normal;font-weight:normal;">Share capital and other equity</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">92</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a23Leases_524779"><span style="font-style:normal;font-weight:normal;">Leases</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">95</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a24Structuredentities_9124"><span style="font-style:normal;font-weight:normal;">Structured entities</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">97</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a25Assettransfers_629499"><span style="font-style:normal;font-weight:normal;">Asset transfers</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">98</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a26Capitalresources_701066"><span style="font-style:normal;font-weight:normal;">Capital resources</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">99</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a27Memorandumitems_360555"><span style="font-style:normal;font-weight:normal;">Memorandum items</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">100</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a28Analysisofthenetinvestmentinbusinessi"><span style="font-style:normal;font-weight:normal;">Analysis of the net investment in business interests and intangible assets</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">107</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a29Analysisofchangesinfinancingduringthe"><span style="font-style:normal;font-weight:normal;">Analysis of changes in financing during the</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">year</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">107</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a30Analysisofcashandcashequivalents_4406"><span style="font-style:normal;font-weight:normal;">Analysis of cash and cash equivalents</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">108</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a31Directorsandkeymanagementremuneration"><span style="font-style:normal;font-weight:normal;">Directors</span><span style="font-family:'RN House Sans Regular';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;"> and key management remuneration</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">108</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a32Transactionswithdirectorsandkeymanage"><span style="font-style:normal;font-weight:normal;">Transactions with directors and key management</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">109</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a33Relatedparties_711140"><span style="font-style:normal;font-weight:normal;">Related parties</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">109</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:7.22%;background:#f2f2f2;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:77.12%;background:#f2f2f2;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#a34Postbalancesheetevents_921247"><span style="font-style:normal;font-weight:normal;">Post balance sheet events</span></a></p></td><td style="vertical-align:top;width:15.65%;background:#f2f2f2;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">110</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:12pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">23</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Report of Independent Registered Public Accounting Firm</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_014b355f_9da4_40e7_bef2_37c953ae9e42"></a><a id="TotheShareholdersandtheBoardofDirectorso"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;">To the Shareholders and the Board of Directors of NatWest Group plc</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 6pt 0pt;"><span style="color:#42145f;">Opinion on the financial statements</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">We have audited the accompanying consolidated balance sheets of NatWest Group plc (the &#8220;Group&#8221;) as of 31 December&#160;2021 and 2020, the related consolidated income statements, statements of comprehensive income, and changes in equity and cash flow statements for each of the three&#160;years in the period ended 31 December&#160;2021, the related Accounting policies and Notes&#160;1 to 34, and the information identified as audited in the Annual remuneration report in the Directors&#8217; remuneration report and in the Risk and capital management section (collectively referred to as the &#8220;consolidated financial statements&#8221;). In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Group at 31 December&#160;2021 and 2020 and the results of its operations and its cash flows for each of the three&#160;years in the period ended 31 December&#160;2021, in conformity with International Financial Reporting Standards (&quot;IFRS&quot;) as issued by the International Accounting Standards Board.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Group&#8217;s internal control over financial reporting as of 31 December&#160;2021, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework), and our report dated 3 March&#160;2022 expressed an unqualified opinion thereon.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:2pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Basis for opinion</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">These financial statements are the responsibility of the Group&#8217;s management. Our responsibility is to express an opinion on the Group&#8217;s financial statements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Group in accordance with the U.S. federal securities laws and the applicable rules&#160;and regulations of the Securities and Exchange Commission and the PCAOB.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:12pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">24</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Report of Independent Registered Public Accounting Firm continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-indent:0pt;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Critical audit matters</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated or required to be communicated to the Group Audit Committee and that: (1)&#160;relate to accounts or disclosures that are material to the financial statements and (2)&#160;involved our especially challenging, subjective or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate..</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:98.98%;"><tr style="height:11.1pt;"><td colspan="2" style="vertical-align:top;width:100%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Estimate of expected credit loss provisions</b></p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Description of the matter </span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">At 31 December<span style="font-family:'RN House Sans Regular';">&#160;</span>2021, the Group reported total gross loans of <span style="font-family:'RN House Sans Regular';">&#163;</span>369.8 billion and associated <span style="font-family:'RN House Sans Regular';">&#163;</span>3.8 billion of expected credit losses (<span style="font-family:'RN House Sans Regular';">&#8216;</span>ECL<span style="font-family:'RN House Sans Regular';">&#8217;</span>). As explained more fully in the Accounting policies, the credit risk section of the Risk and capital management section and Note<span style="font-family:'RN House Sans Regular';">&#160;</span>14 to the consolidated financial statements, ECL is recognised for financial instruments classified as amortised cost or fair value through other comprehensive income. Performing assets are measured at either (i)<span style="font-family:'RN House Sans Regular';">&#160;</span>12-month ECL (stage 1) or (ii)<span style="font-family:'RN House Sans Regular';">&#160;</span>for those assets that are considered to have a significant increase in credit risk (<span style="font-family:'RN House Sans Regular';">&#8216;</span>SICR<span style="font-family:'RN House Sans Regular';">&#8217;</span>), lifetime ECL (stage 2). Defaulted assets (stage 3) are also measured at lifetime ECL.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Auditing the ECL estimate was complex due to the judgmental methods used to to estimate the ECL, including: accounting interpretations, modelling assumptions and the selection and use of the data used to build and run modelled estimates of Probability of Default (<span style="font-family:'RN House Sans Regular';">&#8216;</span>PD<span style="font-family:'RN House Sans Regular';">&#8217;</span>), Loss Given Default (<span style="font-family:'RN House Sans Regular';">&#8216;</span>LGD<span style="font-family:'RN House Sans Regular';">&#8217;</span>) and Exposure at Default (<span style="font-family:'RN House Sans Regular';">&#8216;</span>EAD<span style="font-family:'RN House Sans Regular';">&#8217;</span>); how to allocate assets between the stages; multiple probability weighted economic scenarios incorporated in the models; post-model adjustments applied; and the recovery and timing assumptions for individually provided stage 3 ECLs. The ongoing impact of COVID-19 led to increased judgments applied in these areas</p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">How we addressed the matter in our audit</span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated the design and tested the operating effectiveness of controls over the processes relevant to ECL, including the judgements and estimates noted above. The controls we tested included, amongst others, controls over the monitoring of the criteria used to allocate assets into stages, model governance, economic forecasting, credit monitoring, individual provisions and the governance over the review of the overall ECL, including the application of model adjustments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">To test the ECL provision, amongst other procedures, we performed an overall assessment of the ECL provision levels by stage to assess if they were reasonable by considering the overall credit quality of the Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s portfolios, risk profile, the ongoing impact of COVID-19, and the macroeconomic environment, by considering trends in the economy and industries to which the Group is exposed as well as performing peer benchmarking, where available, to assess overall staging and provision coverage levels.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated the criteria used to allocate a financial asset to stage 1, 2 or 3 in accordance with IFRS 9; this included peer benchmarking to assess staging levels. We recalculated the assets in stage 1, 2 and 3 to assess if they were allocated to the appropriate stage and performed sensitivity analysis to assess the impact of different criteria on the ECL and also considered the impact of performing collective staging downgrades to higher risk industries and geographic regions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We involved modelling specialists to assist us to test a sample of ECL models, by testing the assumptions, inputs and formulae used. This included a combination of assessing the model design and formulae, alternative modelling techniques, recalculating the PD, LGD and EAD, and model implementation. We also considered the results of the Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s internal model validation results.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">To evaluate data quality used in the ECL estimate, we agreed a sample of ECL calculation data points to source systems, including balance sheet date data used to run the models and historic loss data to monitor the models. We also tested the ECL data points input into the IT systems where the ECL calculations are performed through to the general ledger and disclosures.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We involved our economic specialists to assist us to evaluate the base case and alternative economic scenarios used in the calculation of the probability weighted forward looking ECL, including evaluating probability weights and comparing these to other scenarios from a variety of external sources.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.45pt;">We tested a sample of post-model adjustments including those which continued to be applied as a result of COVID-19 uncertainty. With our modelling specialists, we assessed the risk of bias and the completeness of these adjustments by considering the data, judgments, methodology, sensitivities, and governance of these adjustments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We recalculated and performed procedures to assess the recovery and timing scenarios, assumptions and cash flows for a sample of individually provided stage 3 ECLs, including the alternative scenarios and the probability weights assigned, involving valuation specialists where appropriate.</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">25</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Report of Independent Registered Public Accounting Firm continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:98.98%;"><tr style="height:11.1pt;"><td colspan="2" style="vertical-align:top;width:100%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Impairment of goodwill</b></p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Description of the matter </span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">At 31 December<span style="font-family:'RN House Sans Regular';">&#160;</span>2021, the Group had reported goodwill of <span style="font-family:'RN House Sans Regular';">&#163;</span>5.5 billion as explained in Notes<span style="font-family:'RN House Sans Regular';">&#160;</span>16 and 17 to the consolidated financial statements. The recognition and carrying value of goodwill is based on value-in-use (VIU) models, which involve estimates of future profitability, which require significant management judgement and include the risk of management bias due to the forward-looking nature and inherent uncertainties associated with the key assumptions</p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">How we addressed the matter in our audit</span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated the design and tested the operating effectiveness of controls over the preparation and review of the forecasts, and the significant assumptions (such as the discount rate and long-term growth rate), inputs, calculations, methodologies and judgements used in the value-in-use models. This included testing controls over the selection of macroeconomic assumptions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">To test the valuation of goodwill, amongst other procedures, we involved internal economic specialists to evaluate the macroeconomic assumptions that were used in the Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s forecasts.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We assessed the reasonableness of revenue and cost forecasts by evaluating the underlying business strategies, comparing to expected market trends and historical performance and considering anticipated balance sheet growth. With the assistance of our valuation specialists, we tested the reasonableness of key performance indicators used in the forecasts by comparing against peers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated the method of calculating the recoverable amount and how the discount rates and long-term growth rates used by management compared to our ranges which were developed using peer practice, external market data and calculations performed by our valuation specialists. We also assessed changes to the valuation methodology and benchmarked against industry practice.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated how management considered alternative assumptions and performed our own sensitivity and scenario analyses on certain assumptions, such as revenue and cost forecasts, discount rate and long-term growth rates and other key performance indicators on both the detailed forecasts and on an overall basis.</p></td></tr><tr><td colspan="2" style="vertical-align:top;width:100%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 1.4pt;"><b style="color:#42145f;font-weight:bold;">Provisions for customer redress, litigation and other regulatory matters</b></p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 1.4pt;"><span style="color:#5e10b1;">Description of the matter</span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">At 31 December<span style="font-family:'RN House Sans Regular';">&#160;</span>2021, the Group has reported <span style="font-family:'RN House Sans Regular';">&#163;</span>1.3 billion of provisions for liabilities and charges, including <span style="font-family:'RN House Sans Regular';">&#163;</span>0.8 billion for customer redress, litigation and other regulatory matters as detailed in Note<span style="font-family:'RN House Sans Regular';">&#160;</span>20 to the consolidated financial statements. Regulatory scrutiny and the continued litigious environment give rise to a high level of management judgement in determining appropriate provisions and disclosures for specific customer redress, litigation and other regulatory matters. Management judgement is needed to determine whether a present obligation exists, a provision should be recorded and how to measure any required provision in accordance with the accounting criteria set out under IAS 37.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">Auditing the adequacy of these provisions was complex due to management<span style="font-family:'RN House Sans Regular';">&#8217;</span>s judgement in the selection and use of assumptions to determine if a present obligation exists, if an outflow is probable and can be estimated, and adequately disclosed.</p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 1.4pt;"><span style="color:#5e10b1;">How we addressed the matter in our audit</span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated the design and tested the operating effectiveness of controls over the identification, estimation, monitoring and disclosure of provisions related to customer redress, litigation and other regulatory matters.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We received confirmations from the Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s external legal counsel for matters to evaluate the existence of the obligation and management<span style="font-family:'RN House Sans Regular';">&#8217;</span>s estimate of the outflow at<span style="font-family:'RN House Sans Regular';">&#160;</span>year-end. Amongst other procedures, we also conducted inquiries with internal legal counsel over the existence of the legal obligations and related provisions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">Where appropriate, we involved our conduct risk and forensics specialists to assist us in evaluating the provisions for specific customer redress, litigation and other regulatory matters. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated the disclosures provided on customer redress, litigation and other regulatory matters to assess whether they complied with accounting standards.</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">26</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Report of Independent Registered Public Accounting Firm continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:98.98%;"><tr style="height:11.1pt;"><td colspan="2" style="vertical-align:top;width:100%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:justify;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Valuation of financial instruments with higher risk characteristics including related income from trading activities</b></p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Description of the matter </span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">As reported in Note<span style="font-family:'RN House Sans Regular';">&#160;</span>12 to the financial statements, as at 31 December<span style="font-family:'RN House Sans Regular';">&#160;</span>2021, the Group held financial instruments with higher risk characteristics. This included (but is not limited to) reported level 3 assets of <span style="font-family:'RN House Sans Regular';">&#163;</span>2.0 billion and level 3 liabilities of <span style="font-family:'RN House Sans Regular';">&#163;</span>0.6 billion whose value is dependent on unobservable inputs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">The valuation of those financial instruments with higher risk characteristics involved both significant judgement and the risk of inappropriate revenue recognition through incorrect pricing as outlined below.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">Auditing management<span style="font-family:'RN House Sans Regular';">&#8217;</span>s judgements and assumptions used in the estimation of the fair value of these instruments was complex due to the judgemental nature of valuation techniques, modelling assumptions, significant illiquid inputs and certain valuation adjustments. Complex models were used to value exotic features in certain interest rate swaps and options and foreign exchange options. Judgmental unobservable inputs included discount rates associated with derivatives with complex collateral arrangements and illiquid securities and loans. Judgmental fair value adjustments included Funding Valuation Adjustments (FVA), Credit Valuation Adjustments (CVA), and material product and deal specific adjustments on long-dated derivative portfolios</p></td></tr><tr><td style="vertical-align:top;width:20.29%;border-bottom:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.15pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">How we addressed the matter in our audit</span></p></td><td style="vertical-align:top;width:79.7%;border-bottom:1px solid #000000;border-left:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.15pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">We evaluated the design and tested the operating effectiveness of controls relating to financial instrument valuation and related income statement measurement, which included controls over the bank<span style="font-family:'RN House Sans Regular';">&#8217;</span>s independent price verification process, valuation models governance, collateral management and income statement analysis.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">Amongst other procedures, we involved our financial instrument valuation and modelling specialists to assist us in testing complex model-dependent valuations by performing independent revaluation to assess the appropriateness of models and the adequacy of both assumptions and inputs. We also independently re-priced instruments that had been valued using illiquid pricing inputs, using alternative pricing sources, where available, to evaluate management<span style="font-family:'RN House Sans Regular';">&#8217;</span>s valuation. In addition, we compared fair value adjustment methodologies against current market practice.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 1.4pt;">With the assistance of our specialists we revalued a sample of counterparty level FVAs and CVAs, comparing funding spreads to third party data and independently assessed illiquid CVA inputs. We also tested material product and deal specific adjustments on long-dated derivative portfolios and assessed other information, including trading activity, asset disposals and collateral discrepancies, to evaluate modelling assumptions and inputs</p></td></tr><tr><td colspan="2" style="vertical-align:top;width:100%;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;">/s/ </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:AuditorName" id="Narr_1n868V37c0OWucenAaUX5A"><span style="font-size:8pt;">Ernst&#160;&amp; Young LLP</span></ix:nonNumeric></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">We have served as the Group&#8217;s auditors since 2016</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="dei:AuditorLocation" id="Narr_lFiD6hHGzkmdy-EicoHowA"><span style="font-size:8pt;">London, United Kingdom</span></ix:nonNumeric></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">3 March&#160;2022</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt 0pt 12pt 0pt;"><span style="font-size:0pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">27</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:22pt;">Independent auditors&#8217; report to the members of NatWest Group plc</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_17a3aba7_2f52_491f_b771_4bd9c700f57b"></a><a id="IndependentAuditors"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><b style="color:#5e10b0;font-weight:bold;">To the Shareholders and the Board of Directors of NatWest Group plc</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0.15pt 0pt;"><span style="color:#5e10b0;">Opinion on Internal Control over Financial Reporting</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">We have audited NatWest Group plc&#8217;s (the &#8220;Group&#8221;) internal control over financial reporting as of 31 December 2021, based on criteria established in Internal Control&#8212;Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework) (the COSO criteria). In our opinion, the Group maintained, in all material respects, effective internal control over financial reporting as of 31 December 2021, based on the COSO criteria.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated balance sheets of the Group as of 31 December 2021 and 2020, the related consolidated income statements, statements of comprehensive income and changes in equity and cash flow statements for each of the three years in the period ended 31 December 2021, the related Accounting policies and Notes 1 to 34, and the information identified as audited in the Annual remuneration report in the Directors&#8217; Remuneration Report and in the Risk and capital management section and our report dated 3 March 2022 expressed an unqualified opinion thereon.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0.15pt 0pt;"><span style="color:#5e10b0;">Basis for Opinion</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The Group&#8217;s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting included in the accompanying Management&#8217;s Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Group&#8217;s internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Group in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the design and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0.4pt 0pt;"><span style="color:#5e10b0;">Definition and Limitations of Internal Control Over Financial Reporting</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A company&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#8217;s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorisations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorised acquisition, use, or disposition of the company&#8217;s assets that could have a material effect on the financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">/s/ Ernst&#160;&amp; Young LLP</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">We have served as the Group&#8217;s auditors since 2016</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">London, United Kingdom</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">3 March&#160;2022</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><a id="_2b1b6d23_02e2_4585_98d0_6130e68130bc"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">28</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_ba3cffe1_832b_4bfa_ba0e_907a6a1719fb"></a><a id="Consolidatedincomestatementfortheyearend"></a><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:20pt;font-weight:normal;">Consolidated income statement for the year ended 31</span><span style="color:#42145f;font-size:20pt;font-weight:normal;"> December 2021</span></p><a id="_4a614b4e_fef0_4438_9551_bff2a3e4e0ff"></a><a 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_shWZ-893ZEaeHyVbxn2Dbg_5_4">7,614</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_NfS4Jaypjk2W1MMCWgf1-Q_5_8">7,799</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fees and commissions receivable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fees and commissions payable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionExpense" scale="6" id="Tc_U0ZNdmuUxUiZzKZRKMCoSA_7_4">574</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionExpense" scale="6" id="Tc_gEYgcY2bWEOEM-XQCh_nmA_7_6">722</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" 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style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_3191vsFbOUyZZMkIH4L4sA_8_8">932</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other operating income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="Tc_UrT6b8lQjUyyzu7C9zs4Jw_9_4">451</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherOperatingIncomeExpense" sign="-" scale="6" id="Tc_RPL3uTkCL0-L_1JYIMSpZg_9_6">93</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="Tc_lSoPFph8q0q2qRX4MTVhLQ_9_8">2,759</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Non-interest income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NoninterestIncomeExpense" scale="6" id="Tc_laWdMUE2tk2jN0UBE9yMGQ_10_4">2,898</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:NoninterestIncomeExpense" scale="6" id="Tc_X7CJp0lHJU2SPRqdSNmD9g_10_6">3,032</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NoninterestIncomeExpense" scale="6" id="Tc_WfN-G9kCvkWm3LEYng8LrQ_10_8">6,188</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:middle;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_AGUoVUqNgEuhIUxf8JPcyA_11_4">10,512</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc__tVY-xChiUGzIcr7L8VA0w_11_6">10,508</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_vqIDMfgvrk-DEGTwGPrK9w_11_8">13,987</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Staff costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EmployeeBenefitsExpense" scale="6" id="Tc_CTTJswQ4LEG1BBG-U3srOg_12_4">3,676</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EmployeeBenefitsExpense" scale="6" id="Tc_kjf8lZ0v0kqn7ejo4oFhzA_12_6">3,878</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EmployeeBenefitsExpense" scale="6" id="Tc_b0inZHT5fkaxgtKL3dlQDQ_12_8">3,976</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Premises and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Tc_nTUVbJxVP0mOTTyLcoIB9Q_13_4">1,133</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Tc_PkZbnh7SEk2NOIYwWXIIfQ_13_6">1,222</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" sign="-" scale="6" id="Tc_LR2qNsEjOEuTHbxm6HeXAQ_19_6">481</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc__AxS8FOh4UK__glKOLzZQw_19_8">3,983</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tax charge</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Profit/(loss) from continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="Tc_ZJ_spX5eTkKv5oteMWSZlw_21_4">3,036</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromContinuingOperations" sign="-" scale="6" id="Tc_rri0L42Vd0mokx0cmoGrdQ_21_6">555</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="Tc_JUj2C4fEk0OCkmVqRSAXSQ_21_8">3,544</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Profit from discontinued operations, net of tax (2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 8</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="Tc_Qb_wLpv8C0K0WEErmIqGgw_22_4">276</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="Tc_lF7s4_6sxEu3E7cYjk5NvQ_22_6">121</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="Tc_-xzq-QPUPkeYnHpua94yQQ_22_8">256</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Profit/(loss) for the year</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLoss" scale="6" 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#000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLoss" scale="6" id="Tc_QPUylns74Uy1YKQduLBCfQ_23_8">3,800</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Attributable to:</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" scale="6" id="Tc_jAVa_TcR7kOULKZL4qiCrA_26_4">2,950</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" sign="-" scale="6" id="Tc_G3LFfm7CJkOB76MtLeZfQA_26_6">753</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" scale="6" id="Tc_5WtSmRSBZUCZvrTZ6kclrA_26_8">3,133</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Preference shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossAttributableToPreferredEquityHoldersOfParentEntity" scale="6" id="Tc_IIjxmCf1Q0K9onJ0dy8NMw_27_4">19</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossAttributableToPreferredEquityHoldersOfParentEntity" scale="6" id="Tc_Q10UJWHuREWcBIzK-LQJYQ_27_6">26</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossAttributableToPreferredEquityHoldersOfParentEntity" scale="6" id="Tc_UeGbltfYeEGQHi_cSFshlA_27_8">39</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Paid-in equity holders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossAttributableToPaidInEquityHoldersOfParentEntity" scale="6" id="Tc_GqqQYOnDzUOs1J_mgBWJ6A_28_4">299</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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id="Tc_tD3pUh-MW02uNcAdBMj6Ow_28_8">367</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-controlling interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="Tc_GSNw3u4UvEaEldivNzi6Bg_29_4">44</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" sign="-" scale="6" id="Tc_K2Wbk3Mze0y3K_lILR9XIA_29_6">62</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="Tc_ki2mW1aHhkuXF_IjHs41Qw_29_8">261</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLoss" scale="6" id="Tc_bv6MVIvbeUCZeybRJzrk7A_30_4">3,312</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLoss" sign="-" scale="6" id="Tc_wqdkn_lYkEm91dGpvcRh8A_30_6">434</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLoss" scale="6" id="Tc_0KqdDNq2z0W_oMJ7Wbf-aA_30_8">3,800</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Earnings per ordinary share - continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 9</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="-2" id="Narr_3VEmvbJZtkGT9BQ0rVvc3w">23.0</ix:nonFraction></b><b style="color:#42145f;font-weight:bold;">p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="font-size:8pt;">(</span><span style="-sec-ix-hidden:Hidden_M4doYNJmwkWMB7NfyHJm5Q;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">7.2</span></span><span style="font-size:8pt;">p)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="-2" id="Narr_n4lGpp7-ykqHAPIjl-OlBA">23.9</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Earnings per ordinary share - discontinued operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 9</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="-2" id="Narr_UXcwR3Pa5EKofTjcoD7WUw">2.4</ix:nonFraction></b><b style="color:#42145f;font-weight:bold;">p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="-2" id="Narr_9VIr1yhFkUCqfXZbMGaQUw">1.0</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="-2" id="Narr_xm7D-H2jz0mNvxJykw3Jqg">2.1</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total earnings per share attributable to ordinary shareholders - basic</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 9</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BasicEarningsLossPerShare" scale="-2" id="Narr_3EkML94T50y9lorOG-g85g">25.4</ix:nonFraction></b><b style="color:#42145f;font-weight:bold;">p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="font-size:8pt;">(</span><span style="-sec-ix-hidden:Hidden_X0LanMvRxU2ZHSGcQQtW5A;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">6.2</span></span><span style="font-size:8pt;">p)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BasicEarningsLossPerShare" scale="-2" id="Narr_ahC-bz4-yEO0A8gQjCN37g">26.0</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Earnings per ordinary share - fully diluted continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 9</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="-2" id="Narr_VHC8rCUvZUOhrnW0zoPZcQ">22.9</ix:nonFraction></b><b style="color:#42145f;font-weight:bold;">p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="font-size:8pt;">(</span><span style="-sec-ix-hidden:Hidden__FpK9CtNwECpon9LUK0TSg;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">7.2</span></span><span style="font-size:8pt;">p)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="-2" id="Narr_1vri5UrC2UOkoo5gwu4GJQ">23.8</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Earnings per ordinary share - fully diluted discontinued operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 9</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="-2" id="Narr_96jV3L1ZnEmwE9mRUJ_AiQ">2.4</ix:nonFraction></b><b style="color:#42145f;font-weight:bold;">p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="-2" id="Narr_e_vUIKigxkGI8sh45QHZZg">1.0</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="-2" id="Narr_fSwuX1aTo0SWhh7qXMLkgA">2.1</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total earnings per share attributable to ordinary shareholders - fully diluted</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 9</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DilutedEarningsLossPerShare" scale="-2" id="Narr_Wyacxig_eUG326acN8Mf4w">25.3</ix:nonFraction></b><b style="color:#42145f;font-weight:bold;">p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="font-size:8pt;">(</span><span style="-sec-ix-hidden:Hidden_jIELaRs6FkuHZiufa0zF-A;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">6.2</span></span><span style="font-size:8pt;">p)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DilutedEarningsLossPerShare" scale="-2" id="Narr_qQPH7xgxVkyOU00mLXow5g">25.9</ix:nonFraction>p</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><a id="_a45f5440_76e0_4ea8_8a43_590d37826ced"></a><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_ebef6789_1acc_45ec_b3a3_00478d81e387"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain items as discontinued operations as described in Note 8 to the consolidated financial statements.</span></ix:footnote></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_8412e342_0ca8_4b84_a316_e3c8ef2af801"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The results of discontinued operations, comprising the post-tax profit is shown as a single amount on the face of the income statement. An analysis of this amount is presented in Note 8 to the consolidated financial statements.</span></ix:footnote></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The accompanying notes on pages 43 to 110, the Accounting policies on pages 36 to 42, the audited sections of the Financial review on pages 9 to 22 and the audited sections of the Risk and capital management sections on pages 172 to 269 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F, form an integral part of these financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">29</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_30cd9cf9_0e81_450c_9fd6_45daeaa58488"></a><a id="Consolidatedstatementofcomprehensiveinco"></a><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:20pt;font-weight:normal;">Consolidated statement of comprehensive income for</span><span style="color:#42145f;font-size:20pt;font-weight:normal;"> the year ended 31 December 2021</span></p><a id="_022b9fa5_af8e_48ef_9a87_099af30a792d"></a><a id="Tc_DJJPbyO5VE-ySKlcJileyQ_1_2"></a><a id="Tc_mJdDaDIHyUGy_tNIhQe2kg_1_4"></a><a id="Tc_HUGqoAUHpUGSKpfUeIE8Rg_1_6"></a><a id="Tc_jGYOUfxU30W-jvBDJxs5Lw_2_2"></a><a id="Tc_Ym6k27OQH0mCjWdmr5znyg_2_4"></a><a id="Tc_TD3kQVkv3kSvCPWv5X-cbw_2_6"></a><a id="Tc_6h3YpJN4YEagqEuZBQvffg_3_0"></a><a id="Tc_qUAxTlKMnEC5iu_PPWEWtw_4_0"></a><a id="Tc_ZKcOKh8oA0u84yG4qVzesQ_5_0"></a><a id="Tc_YLao5pz04UKJRenSljJZGA_6_0"></a><a id="Tc_s6N9xakcQkmX8VdqxJt-8w_7_0"></a><a id="Tc_rL5F9Yk--UKvI8ZrU8A0-w_8_0"></a><a id="Tc_hdtU15wjW0CFChTJxrFUKw_9_0"></a><a id="Tc_0QWd3KlzVEi2RqJd74oPPA_12_0"></a><a id="Tc_8QOC1ZxxUU61UNKdYCOoRQ_13_0"></a><a id="Tc_WRz_VOKK5UuCnaBTc3sDpA_14_0"></a><a id="Tc_Tv9GWBFyUkOH03SH0bS9Eg_15_0"></a><a id="Tc_7sxLCA4RFU2UJOK3oPwUIQ_16_0"></a><a id="Tc_SAyxkVmVW0SguBjnlVJhRw_18_0"></a><a id="Tc_vaL-cFPq9EKMRcxPsFTycg_19_0"></a><a id="Tc_PkaAeKi3t0qbg8a4Qxm3fw_21_0"></a><a id="Tc_TaqUdEMWc0GqPDcKtlW-3Q_22_0"></a><a id="Tc_qg4XhIxlk0-QUFGs7O0xHw_23_0"></a><a id="Tc_t2_439_7d0iiR4YBMNPyYA_24_0"></a><a id="Tc_pB1W9ri350WeBrDe2Y6PLg_25_0"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:73.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:73.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) for the year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLoss" scale="6" id="Tc_68LAqlOvSUK2zDBpRoXPzg_3_6">3,800</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Items that do not qualify for reclassification</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Remeasurement of retirement benefit schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - other movements (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans" sign="-" scale="6" id="Tc_-ssUWYUDkEmyFcFQuzUjrA_6_2">669</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans" scale="6" id="Tc_Zthd8FBQGEqDP2706Ib4tw_6_4">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherComprehensiveIncomeBeforeTaxGainsLossesOnOtherMovementsInDefinedBenefitPlans" sign="-" scale="6" id="Tc_sTNWoLKB-kGEMYE2dmElrQ_6_6">142</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loss on fair value of credit in financial liabilities designated at FVTPL due to own credit risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" sign="-" scale="6" id="Tc_KJrTL7j6BUq6Nt_y9ONyxQ_7_2">29</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" sign="-" scale="6" id="Tc_jZQH0J-bLUSxnVgwDh_qOg_7_4">52</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" sign="-" scale="6" id="Tc_vH5UCw0ynkOueMawsA3hsg_7_6">189</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">FVOCI financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="Tc_Z7FnFclW30qw_attQhSakw_8_2">13</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" sign="-" scale="6" id="Tc_tt8XBwGda0-9-XS6P4e_dw_8_4">64</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" sign="-" scale="6" id="Tc_3k4BtYS430KRj7yMWoh2dQ_8_6">71</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" sign="-" scale="6" id="Tc_1897f1rF4EaPxeMdVx6h9g_9_4">42</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" sign="-" scale="6" id="Tc_LpIXE9nwKEq9U5_88EQhPw_17_2">1,117</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="Tc_7iZKNBJTXEKunua_12XJSg_17_4">502</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncome" sign="-" scale="6" id="Tc_Am9eGFEC6kCFioMtmKBQKA_18_2">1,638</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ComprehensiveIncomeAttributableToOrdinaryEquityHoldersOfParentEntity" scale="6" id="Tc_D07BAeIkt02vtUjg4Pv8ig_22_2">1,308</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity" scale="6" id="Tc_9Jf51TJGJUCBTCzd5x-JKA_24_4">355</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" sign="-" scale="6" id="Tc_EYkYdMTqEkSXL3HvPEA2mQ_25_4">45</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="Tc_GI0bpwg9B0uV2UDxauzJXQ_25_6">250</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:73.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ComprehensiveIncome" scale="6" id="Tc_oUBMQ5SnfEq-7s8SOwd-RA_26_2">1,674</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ComprehensiveIncome" sign="-" scale="6" id="Tc_sNP9UqSRuEGVU_jyvK6Liw_26_4">2</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ComprehensiveIncome" scale="6" id="Tc_QCeQ1xYJKk6YeON_0ARZpQ_26_6">1,700</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:18pt;text-indent:-18pt;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_afedab65_f767_4808_b37d_bff80c94214e"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Following 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After tax relief, this contribution reduced total equity by </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_wFFT5d71aEmvpR8iLaKCzA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ChangesInEquity" sign="-" scale="6" id="Narr_DtrxY5_RxEKmKIEEUziDvg">365</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million. There was also a pre-tax loss of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_rjHLDLuJAEGU1qiUpl0r_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Narr_tVgyPxKUY0WMA4m77_3Dlw">192</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (&#8364;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_rjHLDLuJAEGU1qiUpl0r_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Narr_sg8JLjDcg0mL3CGtig-tFg">224</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) in relation to the re-measurement of the Group&#8217;s Republic of Ireland pension schemes, primarily as a result of significant movements in underlying actuarial assumptions (2020: pre-tax gain of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2020_To_3_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_qDZzGDxPYk2TxM8ftr22Mw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_-gvz7YNG1U6rwAA_uhaxQA">72</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (&#8364;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_3_1_2020_To_3_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_qDZzGDxPYk2TxM8ftr22Mw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_wd19wkH_10CRRerUHBhRng">81</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million)). In line with our policy, the present value of defined benefit obligations and the fair value of plan assets at the end of the reporting period, are assessed to identify significant market fluctuations and one-off events since the end of the prior financial year.</span></ix:footnote></td></tr></table><div style="margin-top:12pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The accompanying notes on pages 43 to 110, the Accounting policies on pages 36 to 42, the audited sections of the Financial review on pages 9 to 22 and the audited sections of the Risk and capital management sections on pages 172 to 269 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F, form an integral part of these financial statements. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">30</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_9a462f95_46c5_4714_9cfc_861b937b7c15"></a><a id="Consolidatedbalancesheetasat31December20"></a><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:20pt;font-weight:normal;">Consolidated balance sheet as at 31 December 2021</span></p><a id="_ccb5bcb0_3a04_4a02_81b6_eca2c6002e80"></a><a id="Tc_jsm28Ix9oU-kOzrtYYau_w_1_4"></a><a id="Tc_u59GecbibUmW_mF3bs-56A_1_6"></a><a 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id="Tc_oUA12ZRk2ECuXD1KnK24og_31_0"></a><a id="Tc_fdaP9ohGYUahBaoHxuFZLw_32_0"></a><a id="Tc_cY2s0KFHQU6U2BhcjVaLzQ_32_2"></a><a id="Tc_hi6E0Q0p6E6zj1uboT5xCg_33_0"></a><a id="Tc_vZk10syAGUukfZE3hH6uTg_34_0"></a><a id="Tc_nkReKVCs7ki-MhFM9B3_lA_36_0"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:72.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Note</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">10</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndBankBalancesAtCentralBanks" scale="6" id="Tc_17dL_yM-dEq9Sfrrnb-G1Q_4_4">177,757</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndBankBalancesAtCentralBanks" scale="6" id="Tc_XGijhxUq40yixHAHdIUReA_4_6">124,489</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">13</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:TradingAssets" scale="6" id="Tc_q8pl_LBvv0ODPKLorct8Xw_5_4">59,158</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:TradingAssets" scale="6" id="Tc_0b63lGmyGEemWFMygsuCbw_5_6">68,990</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">14</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_iYMKHuHvlU6LHIc3I6elwA_6_4">106,139</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_CmsxaPCV8EikBnncFQn7Cw_6_6">166,523</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradeReceivables" scale="6" id="Tc_oicXFx0azU6BKqVzzxJODw_7_4">2,141</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradeReceivables" scale="6" id="Tc_JDXS0lzGB0qvN9xVTQpgQA_7_6">2,297</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">10</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="Tc_RueODNSUN0WgA96nyu5ULg_8_4">7,682</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="Tc_1tzKfAtLiECOXHfty5b_QQ_8_6">6,955</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">10</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="Tc_URMFuTGqDU-ONeLSPJ5yUQ_9_4">358,990</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:SecuritiesHeldSubjectToRepurchaseAgreement" scale="6" id="Tc_RrDhz7D2oU6I5t3fBR-8mA_10_4">11,746</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:SecuritiesHeldSubjectToRepurchaseAgreement" scale="6" id="Tc_F5RZN3OlaEK3yrAhuAnr5w_10_6">11,542</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:72.02%;border-bottom:1px solid #000000;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets excluding 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" scale="6" id="Tc_c_Tcte-750amRG2lFVEC1Q_11_4">34,399</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" scale="6" id="Tc_kbEFvGYqYUq5_3yuFRStwQ_11_6">43,606</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">16</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_X9PH6crJgkGz-jppNAZ-eQ_12_4">46,145</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_ajLh7_zQFEeN3LR7GETvww_12_6">55,148</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Intangible assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">17</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_lXzX6hNRiEWouMBSIf4Fyw_13_4">6,723</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_NuAPpY9sEEWgDS-EBHz_jA_13_6">6,655</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">18</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherAssets" scale="6" id="Tc_OZhywegGf0uGt9wNztbGaQ_14_4">8,242</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherAssets" scale="6" id="Tc_Wfr4XTr-GUmLk7WVcFp5lQ_14_6">7,890</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets of disposal groups</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">8</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" scale="6" id="Tc_DA7T6q0CwE2ZDXl4_Mn0WQ_15_4">9,015</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_zDEkTkRcO0OQsn-Ttj-nPA_16_4">781,992</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_W2GsqfBIiU2IyLQpJhhFaw_16_6">799,491</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">10</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepositsFromBanks" scale="6" id="Tc_BRB6AGHb1EGei1vrIwoIdA_19_4">26,279</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepositsFromBanks" scale="6" id="Tc_gWQnjrOMi0KjI3Lk0drXZQ_19_6">20,606</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">10</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepositsFromCustomers" scale="6" id="Tc_xWGItNiRqEy9X7e7lw1ZiA_20_4">479,810</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepositsFromCustomers" scale="6" id="Tc_7somJtOtSk-HRu_j9625ng_20_6">431,739</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradeAndOtherPayables" scale="6" id="Tc_d1LbvrcCoUGdDaja33AKYQ_21_4">2,068</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradeAndOtherPayables" scale="6" id="Tc_lYPC2kR6cUyj9wbLxPnwHg_21_6">5,545</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">13</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsTradingLiabilities" scale="6" id="Tc_Ruh7YN2hUECjUmSRWzGygQ_22_4">64,598</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsTradingLiabilities" scale="6" id="Tc_brdVMT3qtEumlrmTOQAzUg_22_6">72,256</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">14</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_BE48JeekwEeVN84_eV2y4w_23_4">100,835</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_nk6R4qLfgkihU6r3a0w1Rg_23_6">160,705</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">19</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_ncgVVeRoDEu467avQdn3sw_24_4">49,326</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_1aW6XKNg-EieuYNevghOtA_24_6">45,811</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">20</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SubordinatedLiabilities" scale="6" id="Tc_aUS3mkkpwUyqTO8PI4EqCQ_25_4">8,429</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SubordinatedLiabilities" scale="6" id="Tc_4RGuvr9hIkC4BjW4MD8jjw_25_6">9,962</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Notes in circulation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued" scale="6" id="Tc_v4rTds7e-kia6TlSE64twg_26_4">3,047</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued" scale="6" id="Tc_JuzpPNQ3S0ijzLBVnKd3pA_26_6">2,655</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">21</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherLiabilities" scale="6" id="Tc_F-bTqLDX8U-cQb1N2hw8tA_27_4">5,797</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherLiabilities" scale="6" id="Tc_L6DJHeb9f0yt1pZtmGdwpg_27_6">6,388</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_lVNOHyo2mUmm-Xr7JFwIGQ_28_4">740,189</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_7BiIMUhQlEuUJkhRSSFX0A_28_6">755,667</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shareholders&#39; interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OrdinaryShareholders" scale="6" id="Tc_q2F1Sa9480C5VXb1r2Ud5g_30_4">37,412</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OrdinaryShareholders" scale="6" id="Tc_sDzBWzhwHE2QeFB9MqgCgA_30_6">38,367</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other owners&#8217; interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherEquityOwners" scale="6" id="Tc_MEfiNp_QGE-g6RBdkjOpJQ_31_4">4,384</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherEquityOwners" scale="6" id="Tc_kbs3HYYD9UmAomdB7znCqg_31_6">5,493</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Owners&#8217; equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">22</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EquityAttributableToOwnersOfParent" scale="6" id="Tc_Oh5RFREOF02YMti70Dx7Cw_32_4">41,796</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EquityAttributableToOwnersOfParent" scale="6" id="Tc_uzeBiTnuCkawm2pxwubnvw_32_6">43,860</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-controlling interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NoncontrollingInterests" scale="6" id="Tc_3J9Fb9xThkOxhDEkTKvDDw_33_4">7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NoncontrollingInterests" sign="-" scale="6" id="Tc_gm7wdA73UUSyPH27L8ODXg_33_6">36</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_pTu7cPVsr0eDoyuB8SeSyA_34_4">41,803</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_OFiTr_oztUC3iy3Cb_zlnQ_34_6">43,824</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total liabilities and equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EquityAndLiabilities" scale="6" id="Tc_oDsJFuzYokayKHONUf-N1g_36_4">781,992</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EquityAndLiabilities" scale="6" id="Tc_wcWuwO5Jo0W-84UVnd2bRw_36_6">799,491</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The accompanying notes on pages 43 to 110, the Accounting policies on pages 36 to 42, the audited sections of the Financial review on pages 9 to 22 and the audited sections of the Risk and capital management sections on pages 172 to 269 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F, form an integral part of these financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The accounts were approved by the Board of directors on 17 February 2022 and signed on its behalf by:</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:-0.00925827%;padding-left:0pt;padding-right:0pt;width:100.01%;"><tr><td style="vertical-align:top;width:19.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Howard Davies</p></td><td style="vertical-align:top;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0.75pt 0pt 0pt;">&#160;</p></td><td style="vertical-align:top;width:24.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt 0pt 10pt 0pt;">Alison Rose-Slade</p></td><td style="vertical-align:top;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0.8pt 0pt 0pt;">&#160;</p></td><td style="vertical-align:top;width:25.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt 0pt 10pt 0pt;">Katie Murray</p></td><td style="vertical-align:top;width:0.86%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0.8pt 0pt 0pt;"><span style="font-size:8pt;margin-right:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:26.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt 0pt 10pt 0pt;">NatWest Group plc</p></td></tr><tr><td style="vertical-align:top;width:19.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Chairman</p></td><td style="vertical-align:top;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0.75pt 0pt 0pt;"><span style="font-size:8pt;margin-right:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:24.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Group Chief Executive Officer</p></td><td style="vertical-align:top;width:1.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0.8pt 0pt 0pt;"><span style="font-size:8pt;margin-right:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:25.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Group Chief Financial Officer</p></td><td style="vertical-align:top;width:0.86%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0.8pt 0pt 0pt;"><span style="font-size:8pt;margin-right:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:26.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Registered No.&#160;SC45551</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">31</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_184ab421_6abd_40b9_8817_132009979439"></a><a id="Consolidatedstatementofchangesinequityfo"></a><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:20pt;font-weight:normal;">Consolidated statement of changes in equity for the</span><span style="color:#42145f;font-size:20pt;font-weight:normal;"> year ended 31 December 2021</span></p><a 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Called-up share capital - at 1 January </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_iU9pCff41kmpo0tJcG6eIg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_UUp-v1rhq0avnLb8YDAWLg_3_2">12,129</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_mofHKcfQxUumUbH04By1NQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_IATb9wxDjE-Wsdm7OxE_Bg_3_4">12,094</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_U9x6_0qA6USvufORye358Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Uj-C0Ja15ECDf4ZEzg6SEQ_3_6">12,049</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Ordinary shares issued</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_D35cvJ5VZEqgXFSJ9Rr4ow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_nKJKoQXGKEan85MLug8weQ_4_2">37</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_IVxmyCJkFk6R7Qz_ijVrJg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_ZoO7_nNh_0m91NpYBSX3cw_4_4">35</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_z8k0gob9vkyOMhV5e3CYOg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_l_Nps4-ztUKbCIS9xXboMw_4_6">45</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Share cancellation (1,5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_D35cvJ5VZEqgXFSJ9Rr4ow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="Tc_6EqntYuARkSrY6P0Hx7H_g_5_2">698</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid 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id="Tc_E3dWXUw4sUuIYIVQ2pCaxQ_6_2">11,468</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_iU9pCff41kmpo0tJcG6eIg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Yt9_f9VWI0yhUMzQo98VKQ_6_4">12,129</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_IssuedCapitalMember_mofHKcfQxUumUbH04By1NQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_vUDLwMpy1Een6BbDHOthGQ_6_6">12,094</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Paid-in equity - at 1 January</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_3fZRVlRyRESCEzSYVSvSJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_yFsbQikFNUCCJ11lJI30FQ_8_2">4,999</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_2mQMBW1lHk-t1YgGReoEvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_cpid1YsrTk-nJ6ZKoj4T0A_8_4">4,058</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_Ydf2pi4YTUi4Kvf3Vdy4CQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_PFfDeu1Z2kmPQ59p_iRLLw_8_6">4,058</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Redeemed</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ReductionOfPaidInCapitalSharesRedeemed" scale="6" id="Tc_bMubu8ZtMU2SML8PKSlHCw_9_4">1,277</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Reclassified (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_CwNpfejjwkGP9mMh9bWC5w" decimals="-6" format="ixt:numdotdecimal" name="nwg:ReductionOfPaidInCapitalSharesReclassified" scale="6" id="Tc_He70z0VUiUGZq7kt1HedXw_10_2">2,046</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Securities issued during the period</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_CwNpfejjwkGP9mMh9bWC5w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfConvertibleInstruments" scale="6" id="Tc_UU9LD7R6cE2QCSXvz84uKQ_11_2">937</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_wdEufb1fukGDJLVL_FKVFw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfConvertibleInstruments" scale="6" id="Tc_HxVKWegC1ES2CqLZEsCPow_11_4">2,218</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_iT4uhS2uK0qbmIrSMhJWVg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_tCXZH3EbIEqTvNI7oqsNhg_12_2">3,890</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_3fZRVlRyRESCEzSYVSvSJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_RCBZkZPARkiMu57TyBgFWA_12_4">4,999</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_2mQMBW1lHk-t1YgGReoEvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Yl2dMPPyX0Oob5SwKZ3fQQ_12_6">4,058</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Share premium - at 1 January</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_j5wvzszFsUaMlXe09cLQoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_iYmVIv5tckqAKqKFwGeXwg_14_2">1,111</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_l516N1vyHUemE9f2ZBbK2w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Pzz1e-2bRkiwKsbt2QziKw_14_4">1,094</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_9iG1X_MoiUCyQ7zAjWuaKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_6A1tyAOGCEK306W33wcaow_14_6">1,027</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Ordinary shares issued</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_-np1CtY-HkCb-UgEN-TDRw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_-4tyvk154E-E5uhU3hXeXg_15_2">50</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_9YGDkk5WNEyFP6M4Gb1Gkg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_nUhAFa2fBECyq6xR-Bt7LA_15_4">17</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_6IUZqM1si0mIrI96qHQh3Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_Jc0ghmfP2k-a4uRDchEwLA_15_6">67</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">At 31 December </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_qkG4VJB7W02eVt0U9XGaIg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_9JAcPsAb80eYZgQEP1AEFg_16_2">1,161</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_j5wvzszFsUaMlXe09cLQoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Ta4xkGj87E26jD6yBED1Rg_16_4">1,111</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_SharePremiumMember_l516N1vyHUemE9f2ZBbK2w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_dHpkDF9hF0-I7SOIZunl0Q_16_6">1,094</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Merger reserve - at 1 January and 31 December</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_MergerReserveMember_2RJA0A_HDUS8x011kJWFOg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Nqh5kBfo6EaJDdxtQbHdaA_18_2">10,881</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_MergerReserveMember_AWASC20doUaH_ihOOLyldw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_ETCnWSl5hkyGVNlV42cJ1A_18_4">10,881</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_MergerReserveMember_IBTnEjBeckaWR1RW858j1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_9R6a52SM1Ui3bgS9CTbHyg_18_6">10,881</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">FVOCI reserve - at 1 January </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_ufZl7LW78UmIj-gy2NoO1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" sign="-" scale="6" id="Tc_NUQ7LBRH5kCAYix-j-nN_A_21_6">107</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Realised (gains)/losses (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_D6EY6ZgpwUqEw8ArpSREeQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="Tc_3T--pKcxPUqfMpQL0Qh2QA_22_2">122</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_e_Kpu4QWrE-R9-VG9Yx4tQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" sign="-" scale="6" id="Tc_9c88uNmetEGexxSUtx3NfQ_22_4">152</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_ufZl7LW78UmIj-gy2NoO1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="Tc_Nriwj2VczkGKtwRBm4K38w_22_6">90</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_D6EY6ZgpwUqEw8ArpSREeQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="Tc_LDZp2mIOxkueQ0EZV2tXxA_23_2">1</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_e_Kpu4QWrE-R9-VG9Yx4tQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="Tc_lJ7gqzoNJke-hvAienwZRA_23_4">6</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_ufZl7LW78UmIj-gy2NoO1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="Tc_-kc_ywi43k62SexY5ybO8Q_23_6">8</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_OzrLnagwRkW1ztP_yrxZyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_mknzWbXiQ0uyiHIgjMIxbQ_24_2">269</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_SdLDEv2uH0ylPcLNDu6-Dg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_m_qldQGmTku7xMytOBoycg_24_4">360</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_fAl9h-JHskSyoqZ9GvX9LA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_W6PiMIxAw0KLLokJrwY2Ug_24_6">138</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_W1c9bWzQrUaDxHdEoBYj8Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_38k8eQv7U0SMvVlbuOBIYg_26_2">229</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> 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style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Amount transferred from equity to earnings </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_Ckyaq1I4yUmT3aLjYpIIqw" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_Ff4H1TcTf06mhNmKraPTKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="Tc_zaqWBJ5zvUSpuwB6Kx_2jw_28_6">279</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_Ckyaq1I4yUmT3aLjYpIIqw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" sign="-" scale="6" id="Tc_5ph2kFm7fEWLA5HUiNjN9A_29_2">224</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_jf8T1vXk-EesrVkm7RQCpg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="Tc_hsumFB2C6UyYgcmR1RoUdw_29_4">77</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_Ff4H1TcTf06mhNmKraPTKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="Tc_fey8Uudp-UGu9IsvJFgcXg_29_6">68</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_-Z1Il6uCdkOcaZItNw9AtQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_h-Wr-a3uXkmO2lB7x_9REQ_30_2">395</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_W1c9bWzQrUaDxHdEoBYj8Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_aojPwolAKk2IRBJGgBWz5w_30_4">229</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_ReserveOfCashFlowHedgesMember_1JDFfQE6IUatMgD_ZE2UVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_GZZsZj_xP0mQEmP2BZB8uQ_30_6">35</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Foreign exchange reserve - at 1 January </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_2r4hK44i5kKW6wYmLtXqSQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_UaHLcgKpnkGie7xTPd4u2g_32_2">1,608</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_lEF_qMe1hEOIwoc0jVhtiQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_xTON55DVpUifA4C_Rf8tdw_32_4">1,343</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ComponentsOfEquityAxis_nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_Nc8j9S3Iu0iKe_r06m7XRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_3ugWz4PmH0SXUEhQFv80Qw_32_6">3,278</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Retranslation of net assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_fL7qafcRBEOD9j2yYlCy1Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" sign="-" scale="6" id="Tc_FkHirUYD2Ui2vNp1tcrN5Q_33_2">484</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_KLmC62io8UWPMDyTlbHQZw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" scale="6" id="Tc_GkiuM4gseEaff6DnIVkjSg_33_4">297</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_7ZYpBthP6kWtG7VyeOAxpA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" scale="6" id="Tc_YbRmHZnus06hyc3BC4GEXQ_34_6">83</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Tax</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_bfYoM7SJbkaLpmNXw99plw" decimals="-6" format="ixt:zerodash" name="ifrs-full:Equity" scale="6" id="Tc_Fp8h4pdiSEyLfqb7mG8MjA_39_2">&#8212;</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_bfYoM7SJbkaLpmNXw99plw" decimals="-6" format="ixt:zerodash" name="ifrs-full:Equity" scale="6" id="Tc_SRZloY3cNkq98u0s1RlGrQ_39_4">&#8212;</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_DsAZ__nhv0mzahVOxPF_GQ" decimals="-6" format="ixt:zerodash" name="ifrs-full:Equity" scale="6" id="Tc_RX6GE05enkSlYlY0UEcZJQ_39_6">&#8212;</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Share cancellation (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_Arvn1GbRik2lBZ1g242GKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReductionOfIssuedCapital" sign="-" scale="6" id="Tc_jVICVyMr4UeEWChq60EAwQ_40_2">698</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_OrdXwmBQUEuI87diEPwbJQ" decimals="-6" format="ixt:zerodash" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="Tc_iN9YSFedS0CTy9NQ-ZOHEA_40_4">&#8212;</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_q4fzDnqogEm2a8FCb_5DCA" decimals="-6" format="ixt:zerodash" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="Tc_fvOiZvQJ_kOgIVzQtreyvw_40_6">&#8212;</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Redemption of preference shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_Arvn1GbRik2lBZ1g242GKA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity" scale="6" id="Tc_2KLWbSkG5Ey_rAt-8FNR9g_41_2">24</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">At 31 December </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_LORhCcGxk0aJQeZc6pyX5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_IatOebcB7E-wyrQOa6ceZQ_42_2">722</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_bfYoM7SJbkaLpmNXw99plw" decimals="-6" format="ixt:zerodash" name="ifrs-full:Equity" scale="6" id="Tc_pDct79P_BkiP19S9_JsGkg_42_4">&#8212;</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_CapitalRedemptionReserveMember_DsAZ__nhv0mzahVOxPF_GQ" decimals="-6" format="ixt:zerodash" name="ifrs-full:Equity" scale="6" id="Tc_tC699515VkC5dCRrhOheHA_42_6">&#8212;</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Retained earnings - at 1 January</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_XDELZA9JWU-nN2WwRh0ZOw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_c_6gk9ikz0WHzUEZnm1lmA_44_2">12,567</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_LODrIYSaL0Wjy3A46KIC2Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_dSuChheqRUeEEgvpSJf1mQ_44_4">13,946</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_9S0cr3dUzkybSE0qtdpk6g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Mxvbe0kdI0miylunt_E_2Q_44_6">14,312</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Implementation of IFRS 16 on 1 January 2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentInBalanceDueToImplementationOfIfrs16" sign="-" scale="6" id="Tc_MDRQsp8ND0acMS9PQMbieA_45_6">187</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Profit/(loss) attributable to ordinary shareholders and other equity owners</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"> - continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromContinuingOperationsAttributableToOwnersOfParent" scale="6" id="Tc_2SlGlRSFMk-wjOAf5QXp9Q_47_2">2,992</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromContinuingOperationsAttributableToOwnersOfParent" sign="-" scale="6" id="Tc_34sym8MM30igwPnwGbD7ew_47_4">493</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromContinuingOperationsAttributableToOwnersOfParent" scale="6" id="Tc_MiixWtPZ20emiIahqXKXbw_47_6">3,283</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"> - discontinued operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent" scale="6" id="Tc_jg8VBgqyukqVjNHqFtHH9Q_48_2">276</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent" scale="6" id="Tc_V0OI12I9XEa5LTZ2bI5d0g_48_4">121</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent" scale="6" id="Tc_kXoCvAgZWE2yV_wD7bJmjQ_48_6">256</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Equity preference dividends paid</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DividendsPaidEquityPreferenceShares" scale="6" id="Tc_1YR_1zFKtE-oO8mGEs1GaA_49_2">19</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DividendsPaidEquityPreferenceShares" scale="6" id="Tc_olqk2KJsN027ueZrqy3Hcg_49_4">26</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DividendsPaidEquityPreferenceShares" scale="6" id="Tc_lJ2LAyCDh0GnjDs351hnrg_49_6">39</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Paid-in equity dividends paid</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DividendsPaidPaidInEquityShares" scale="6" id="Tc_AGpdfs1wEke9SBqLxet5jQ_50_2">299</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DividendsPaidPaidInEquityShares" scale="6" id="Tc_zU8ZPIMf20--_VddpBYMpg_50_4">355</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DividendsPaidPaidInEquityShares" scale="6" id="Tc_rUn1BoEfM0qsLYz1FPJoUg_50_6">367</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Ordinary dividends paid </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersOfParent" scale="6" id="Tc_Vnn117f-ZECpSh824ariKw_51_2">693</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersOfParent" scale="6" id="Tc_9UdWWs_dDk6vFdBDpKUjKg_51_6">3,018</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Shares repurchased during the year (1,5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfTreasuryShares" sign="-" scale="6" id="Tc_5JZyqhVKhUG8kNViZuS1BQ_52_2">1,423</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Unclaimed dividend</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnclaimedDividends" scale="6" id="Tc_u_MiPoMKj0SLjSYD6nrUiw_53_4">2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Redemption of preference shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity" scale="6" id="Tc_WqRwio52KUGF-gwovwE7VA_54_2">24</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Redemption/reclassification of paid-in equity (2,6)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:ReductionOfIssuedCapitalPreferenceShares" sign="-" scale="6" id="Tc_AY7IoLNtikuM6Yu46bdxDA_55_2">150</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ReductionOfIssuedCapitalPreferenceShares" scale="6" id="Tc_bUh1is0r8kWNwoTBiyF_2g_55_4">355</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Realised gains/(losses) in period on FVOCI equity shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">  - gross</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:RealisedGainsInPeriodOnFvociEquitySharesGross" scale="6" id="Tc_nJb9Mlw1jkuryka6wwbT3g_57_2">3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:RealisedGainsInPeriodOnFvociEquitySharesGross" sign="-" scale="6" id="Tc_qfPCdArtY06GTKZp53wX-w_57_4">248</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:RealisedGainsInPeriodOnFvociEquitySharesGross" scale="6" id="Tc_EfYYxomUskijk-CdKhfV6A_57_6">112</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">  - tax</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Remeasurement of the retirement benefit schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">  - other movements (4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForOtherMovementsInDefinedBenefitPlan" scale="6" id="Tc_520qTfOiqUir811qY0IP7A_60_2">669</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForOtherMovementsInDefinedBenefitPlan" sign="-" scale="6" id="Tc_3OSaktGDmUGC-k2jtjIXAQ_60_4">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForOtherMovementsInDefinedBenefitPlan" scale="6" id="Tc_BsYubQ3NbkmTvfGQePO7sg_60_6">142</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">  - tax (4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount" sign="-" scale="6" id="Tc_74prTcBmN0Sd7Sv4uPstZw_61_2">168</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount" sign="-" scale="6" id="Tc_f8XcGuai-UaNTg0zn94pCg_61_4">22</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount" sign="-" scale="6" id="Tc_9KMWx_XyH0WCixVq8gN1Ng_61_6">24</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Changes in fair value of credit in financial liabilities designated at FVTPL</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">  - gross</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" sign="-" scale="6" id="Tc_IaHmT97DqUCL_HBXn3IQrA_63_2">29</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" sign="-" scale="6" id="Tc_QD8wHTDbP0e9ckiSx-2RNg_63_4">52</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" sign="-" scale="6" id="Tc_Xl6f-Pnl8Eyd-gm7ke1ZHA_63_6">189</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">  - tax</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" sign="-" scale="6" id="Tc_IAxNgEP-50WYl6oTdaldrQ_64_2">3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" sign="-" scale="6" id="Tc_FKynCJQsnU6l9wJDu4iX6A_64_4">8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" sign="-" scale="6" id="Tc_A25aavxY_kqIoX1YnMMvLQ_64_6">20</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Shares issued under employee share schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" scale="6" id="Tc_SfcjcPddOEiiD54iWzSRQQ_65_2">8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" sign="-" scale="6" id="Tc_QO0iLp7gkkmBAoOtqu6-qw_65_4">11</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" sign="-" scale="6" id="Tc_Qf7YqY7sVEe9ui9Sba8jCg_65_6">6</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Share-based payments (7)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_0QiqpqlvOEeH3ng6gw-MyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" sign="-" scale="6" id="Tc_wks6abDZW0qzZ5tswwuWRg_66_2">45</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_b_NdMkobPE6cFW70gDmJEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="Tc_Ehz23wjDkkqH38bau96UtQ_66_4">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_VjIrjozb0U-XOZFvxFfQCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" sign="-" scale="6" id="Tc_y0UIAHgmw0-ZubYqkF-9fg_66_6">113</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_FNBEayDlR0O4MAYL6y9A0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_syUOe1m46UOq-5DJuOmU1w_67_2">12,966</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_XDELZA9JWU-nN2WwRh0ZOw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_bUZx8qr0uk6g_GkjCHqW9Q_67_4">12,567</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_RetainedEarningsMember_LODrIYSaL0Wjy3A46KIC2Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_gQeLHY2LVEetzzzLkXHcEQ_67_6">13,946</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:5pt 0pt 0pt 0pt;">For the notes to this table refer to the following page.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">32</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-weight:normal;">Consolidated statement of changes in equity for the&#160;year ended 31 December&#160;2021 continued</span></p><a id="_3925bb56_4e1e_4ffc_8468_8bbbe4e762ec"></a><a id="Tc_ogEGPmk_oUS4FzIAKpTm6g_1_2"></a><a id="Tc_75gg8CXpxky0f65NCLctgg_1_4"></a><a id="Tc_n3Mb2eC9I0iqXFiTLcoqVQ_1_6"></a><a 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id="Tc_k64QapfPqEmyiw6J-TNGWQ_20_0"></a><a id="Tc_xzz9tz4Ir0GT-Az-9d_8SQ_21_0"></a><a id="Tc_7hG-XVZ5q0aWqOeBRjXghA_22_0"></a><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Own shares held - at 1 January</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_TBB8tb5k30eLif2GD3FtGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_RT_oj1hLakSLNG6KvSyrEA_3_2">24</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_LI7YjWP3oUO2kRjEUVXfag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_dHqN27aPaEm3ZudvQMiG-g_3_4">42</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_TU3sINzBd0qaJDB_DIpZNw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_ca_wXYPgg0qS_XW4GQcWcA_3_6">21</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Shares issued under employee share schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_3hYUOhwnv0m5tIo2HDhJFQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" scale="6" id="Tc_hgl2VjyCMUqUyyM02qJVPQ_4_2">36</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_WtLk3ht36E2Q-fwG6YzBuA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" scale="6" id="Tc_58hT4znli0uzJeZsiiBPKA_4_4">95</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_SDoR-sS06E-owYCsXPYjFw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" scale="6" id="Tc_pKHtAT1iLEaUfFqO4ir96Q_4_6">39</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Own shares acquired (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_3hYUOhwnv0m5tIo2HDhJFQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="Tc_yACCe6g1okGkbbFGsECZEQ_5_2">383</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_WtLk3ht36E2Q-fwG6YzBuA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="Tc_wesBAf7px0O0-6QeJKVgHw_5_4">77</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_SDoR-sS06E-owYCsXPYjFw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="Tc_MygHbOMJ6E-bMu71q47GKw_5_6">60</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_Jfi0hdsEw06dqMhPTovUjQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_BfUOJ78OaE6tY3-KAHtjWg_6_2">371</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_TBB8tb5k30eLif2GD3FtGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_bvUTw-73akWg6LYjcOMkYQ_6_4">24</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_LI7YjWP3oUO2kRjEUVXfag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_ky6PcnTsCkippiIBqASCYQ_6_6">42</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Owners&#39; equity at 31 December</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_EquityAttributableToOwnersOfParentMember_vE1m_NBVE0uzGeM8GTKanA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_WvQie3PmXk-8iGxXsWsXTA_7_2">41,796</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_EquityAttributableToOwnersOfParentMember_8nJRPW1W1kWCFf-OCHeziQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_d0DDL-W6O0eyWZMDVuAHaA_7_4">43,860</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_EquityAttributableToOwnersOfParentMember_RLysVeQ6SkqSNqu1__tfpA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_4DPdTmoTwkKo_7Dhld7tiw_7_6">43,547</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Non-controlling interests - at 1 January</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_vKLG2M621EixN_9Mer-Sog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_ls239ZQQ50-c8ZweGOwADw_8_2">36</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Xg9Q1xBXKUW5vrGblvCzWw_8_6">754</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Currency translation adjustments and other movements</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_eBJFlMg41kafmVte3N7SVw" decimals="-6" format="ixt:numdotdecimal" name="nwg:CurrencyTranslationAdjustmentsAndOtherMovements" scale="6" id="Tc_aCMUhdCwNkKgIgOXD6xn9w_9_2">4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_DRa7wlADuUy4ZRk3bSRwyQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:CurrencyTranslationAdjustmentsAndOtherMovements" scale="6" id="Tc_dKnmnBaqeEObgq4MPAdBrA_9_4">17</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_Of9krxuQmESbqT-aE9LCgA" decimals="-6" format="ixt:numdotdecimal" name="nwg:CurrencyTranslationAdjustmentsAndOtherMovements" sign="-" scale="6" id="Tc_GieIwShPk0yK9zAY7DYTAA_9_6">11</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) attributable to non-controlling interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_eBJFlMg41kafmVte3N7SVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests" scale="6" id="Tc_RMGHZWKidEqQ211hWQd_FQ_10_2">44</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_DRa7wlADuUy4ZRk3bSRwyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests" sign="-" scale="6" id="Tc_8CJE00i4DUKFmKfGX45WLQ_10_4">62</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_Of9krxuQmESbqT-aE9LCgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests" scale="6" id="Tc_NGSyo4NvvEWUQNvK7oxZ3g_10_6">261</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Dividends paid</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_eBJFlMg41kafmVte3N7SVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DividendsRecognisedAsDistributionsToNoncontrollingInterests" scale="6" id="Tc_HEEVG9IHakSaEgFJ_Bt7ZA_11_2">5</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_Of9krxuQmESbqT-aE9LCgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DividendsRecognisedAsDistributionsToNoncontrollingInterests" scale="6" id="Tc_RwAwW147GU6nTTa2ohlQ1g_11_6">5</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equity raised</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_Of9krxuQmESbqT-aE9LCgA" decimals="-6" format="ixt:numdotdecimal" name="nwg:EquityRaised" scale="6" id="Tc_3v537Foux0ikc-kugHeOHw_12_6">45</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equity withdrawn and disposals</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_Kcz_jbKHLk-OS9TEKEivMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_88GkkXMiVkOBe7xQ5u8boQ_14_2">7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_vKLG2M621EixN_9Mer-Sog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_hH8c4c4Z_kKejJCMYr8cYQ_14_4">36</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total equity at 31 December</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Q9twmi8nBk-iaEs05EkQKg_16_2">41,803</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_QoMz2ucBaUiiZVPsU0Q5qQ_16_4">43,824</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_xFBX_OUevkeLm5qLjsfarA_16_6">43,556</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Attributable to:</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_nwg_OrdinaryShareholderEquityMember_pQqxOT-JrUKmwsOUnelgpA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_jspNCFTnNkqcceIOUeAIbw_19_2">37,412</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_nwg_OrdinaryShareholderEquityMember_aA_RP3KwUkSC4pUjmOVpeA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_eoSajbQuF0Gi8-ydfBXCwQ_19_4">38,367</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_nwg_OrdinaryShareholderEquityMember_W8mJVz3atESmFIQh9XZ9Eg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_XZPk1ZZp0UW2j1YfK8B3Kw_19_6">38,993</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Preference shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_nwg_PreferenceShareholderEquityMember__hg7M6yBXUWkWKw89k73EQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_R9nFXoGkNUuEp4WAB_1gNA_20_2">494</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_nwg_PreferenceShareholderEquityMember_OB8h4NvDGU2B3huTqfD1DQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_ohle7JRcxkKaCW3bwj5zaA_20_4">494</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_nwg_PreferenceShareholderEquityMember_8wnbnNQkEECvj2JYGjjTJA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_PCl1kHhW90CtSq8BdZdRag_20_6">496</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Paid-in equity holders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_iT4uhS2uK0qbmIrSMhJWVg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_ZxFEMaN8sEeF8nsBT7SFeA_21_2">3,890</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_3fZRVlRyRESCEzSYVSvSJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Xy62YiyEaU-DGrzSfB_Dyg_21_4">4,999</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_2mQMBW1lHk-t1YgGReoEvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Zf7Ay6MhSUavZ37m_TIcAw_21_6">4,058</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-controlling interests</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_Kcz_jbKHLk-OS9TEKEivMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_pzVBnKyekESTD161tY8ipQ_22_2">7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_vKLG2M621EixN_9Mer-Sog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" sign="-" scale="6" id="Tc_ggOygfyKw0-UDtQpAw0vKQ_22_4">36</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_NoncontrollingInterestsMember_g3iuMD8hHkOMQv8hVynBJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_RCbKWaT5O02R5oTmyDs2Ow_22_6">9</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_lpA8Rf5KHk-EV3bm9VH1-A_23_2">41,803</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_6TCJe6RmNUqEn5D7cMSp4g_23_4">43,824</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_Nabnk7xK6kqPKy0a91OkyA_23_6">43,556</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_92f4de23_ccf4_4b94_9750_637e5c9aa618"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In March 2021, there was an agreement with HM Treasury to buy </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_CounterpartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_DNuY_-T3H0OWRUidjkW5Ng" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsTreasuryStockSharesAcquired" scale="6" id="Narr_AjQ8vdya90CElxH7DA55ag">591</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million ordinary shares in the Company from UK Government Investments Ltd (UKGI), at </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_CounterpartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_DNuY_-T3H0OWRUidjkW5Ng" decimals="3" format="ixt:numdotdecimal" name="nwg:IfrsTreasuryStockAcquiredAverageCostPerShare" scale="-2" id="Narr_cAmFcUDcJk-uIwPzzu7QvA">190.5</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">p per share for the total consideration of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_CounterpartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_DNuY_-T3H0OWRUidjkW5Ng" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfTreasuryShares" scale="9" id="Narr_ZnSSJq0UJ0C3PvcHRZ_RaQ">1.13</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion. NatWest Group cancelled </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_CounterpartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_DNuY_-T3H0OWRUidjkW5Ng" decimals="-6" format="ixt:numdotdecimal" name="nwg:TreasuryStockSharesCancelled" scale="6" id="Narr_62qLL705xkyuiAiqvvu4YA">391</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million of the purchased ordinary shares, amounting to &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_CounterpartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_DNuY_-T3H0OWRUidjkW5Ng" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CancellationOfTreasuryShares" scale="6" id="Narr__mzH43BIC0-PtZ-KmpBb7g">744</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million excluding fees, and held the remaining </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_CounterpartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_DNuY_-T3H0OWRUidjkW5Ng" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsTreasuryStockShares" scale="6" id="Narr_9xiP_P68zUKqfJPzbkzqvg">200</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million in own shares held, amounting to &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_3_31_2021_ifrs-full_CounterpartiesAxis_nwg_UkGovernmentInvestmentsLtdMember_Sa6YXooovEWvPFo8S0PK-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TreasuryShares" scale="6" id="Narr_vhgQm7pPokSJTVyxeqkk2A">381</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million excluding fees. The nominal value of the share cancellation has been transferred to the capital redemption reserve.</span></ix:footnote></td></tr></table><a id="_505ae2a1_aaa8_447f_9866_cfbc3f0e6743"></a><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_f324d3a1_e8d3_427c_8592_06552a055b6b"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In July 2021, paid-in equity reclassified to liabilities as the result of a call in August 2021 of US</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_7_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_RoBjOPrZO0KYLprnyDFrrg" decimals="-7" format="ixt:numdotdecimal" name="nwg:NotesCalledForRedemption" scale="9" id="Narr_JJBl0We1UUyZhr7QVGvUQQ">2.65</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion AT1 capital notes</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">.</span></ix:footnote></td></tr></table><a id="_169dd075_8052_41df_97a2_22047578a753"></a><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_2c42b269_4ba9_479a_812f_8783b6173095"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In 2020, the completion of the Alawwal bank merger resulted in the derecognition of the associate investment in Alawwal bank and recognition of a new investment in SABB held at fair value through other comprehensive income (FVOCI).</span></ix:footnote></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_27c5b937_07e6_4963_aa49_92eb158ce219"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Following the purchase of ordinary shares from UKGI in March 2021, NatWest Group contributed &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_31mjk0-2tki0sy12YjjpHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EmployerContributions" scale="6" id="Narr_t0uTfH4jgUWzw_XyyyPWcw">500</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million to its main pension scheme in line with the memorandum of understanding announced on 17 April 2018. After tax relief, this contribution reduced total equity by &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_31mjk0-2tki0sy12YjjpHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ChangesInEquity" sign="-" scale="6" id="Narr_rgapwnfyIkaSUJiLxnPf6Q">365</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million. There was also a pre-tax loss of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_rjHLDLuJAEGU1qiUpl0r_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Narr_jm_U6MgJX0qOj7MGeOA89g">192</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (&#8364;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_rjHLDLuJAEGU1qiUpl0r_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Narr_ryF4EBkCpkuU1X5G0muQmw">224</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) in relation to the re-measurement of the Group&#8217;s Republic of Ireland pension schemes, primarily as a result of significant movements in underlying actuarial assumptions (2020: pre-tax gain of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2020_To_3_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_qDZzGDxPYk2TxM8ftr22Mw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_DAOqeu6xFEe9rSVadfzK4g">72</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (&#8364;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_3_1_2020_To_3_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_IrelandPensionSchemeMember_qDZzGDxPYk2TxM8ftr22Mw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_61Zt5tFlGky40mvc0djM9g">81</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million)). In line with our policy, the present value of defined benefit obligations and the fair value of plan assets at the end of the reporting period, are assessed to identify significant market fluctuations and one-off events since the end of the prior financial year.</span></ix:footnote></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(5)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_9eb107aa_7f2b_41a2_a144_e841b4606f2a"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In line with the announcement in July 2021, NatWest Group plc repurchased and cancelled </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_7_1_2021_To_7_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NatWestBankMember_LIlKGlMpjEi1-M73wX4yQA" decimals="-5" format="ixt:numdotdecimal" name="nwg:NumberOfSharesRepurchasedAndCancelledDuringPeriod" scale="6" id="Narr_SHKvalfhHUSeXyiVzMM-bg">310.8</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million shares for total consideration of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_7_1_2021_To_7_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NatWestBankMember_LIlKGlMpjEi1-M73wX4yQA" decimals="-5" format="ixt:numdotdecimal" name="nwg:ConsiderationOfRepurchasedAndCancelledSharesExcludingFees" scale="6" id="Narr_BIzre7e8u0O2tj1PfS76rA">676.2</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million excluding fees. Of the </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_7_1_2021_To_7_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NatWestBankMember_LIlKGlMpjEi1-M73wX4yQA" decimals="-5" format="ixt:numdotdecimal" name="nwg:NumberOfSharesRepurchasedDuringPeriod" scale="6" id="Narr_Iu8w3sPc7EKhFnNubAuyuA">310.8</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million shares bought back, </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2022_To_1_31_2022_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NatWestBankMember_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_SettlementAndCancellationOfOwnSharesMember_P4Wgvv-IIU-YuIhKQATMMw" decimals="-5" format="ixt:numdotdecimal" name="nwg:NumberOfSharesSettledAndCancelledDuringPeriod" scale="6" id="Narr_6ifj3p4mnUyaFy8JHXpO5g">2.8</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million shares were settled and cancelled in January 2022. The nominal value of the share cancellations has been transferred to the capital redemption reserve with the share premium element to retained earnings.</span></ix:footnote></td></tr></table><a id="_43906c03_5e0d_4969_a057_3eff5cbe0d17"></a><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(6)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_89cf999a_db4f_4272_9e97_bf8da011a50c"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The redemption of paid-in equity includes a tax credit of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:RedemptionOfPaidInCapitalIncludesTaxCredit" scale="6" id="Narr_x7sAmv048U-AdwapRjBj2Q">16</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million.</span></ix:footnote></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(7)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_bb3ca559_59a7_4045_8159_9b19b82f88d1"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Share-based payments includes a tax credit of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxCreditsShareBasedPayments" scale="6" id="Narr_BlgoHaSBlUe89f7snhzCkQ">10</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million.</span></ix:footnote></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The accompanying notes on pages 43 to 110, the Accounting policies on pages 36 to 42, the audited sections of the Financial review on pages 9 to 22 and the audited sections of the Risk and capital management sections on pages 172 to 269 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F, form an integral part of these financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">33</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_8be09fe5_8d62_44c7_a060_5f3de635563a"></a><a id="Consolidatedcashflowstatementfortheyeare"></a><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:20pt;font-weight:normal;">Consolidated cash flow statement for the&#160;year ended</span><span style="color:#42145f;font-size:20pt;font-weight:normal;"> 31 December&#160;2021</span></p><a 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Note</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flows from operating activities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax from continuing operations (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingProfitLossFromContinuingOperationsBeforeTax" scale="6" id="Tc_xZZWM8NGiUOf8TXdbDlcgA_4_4">4,032</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingProfitLossFromContinuingOperationsBeforeTax" sign="-" scale="6" id="Tc_V4BPM0cONEu7y_Q_hDmXmg_4_6">481</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingProfitLossFromContinuingOperationsBeforeTax" scale="6" id="Tc_Uiao7Cw-8kuLx5ZvPiRffQ_4_8">3,983</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit before tax from discontinued operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingProfitLossBeforeTaxFromDiscontinuedOperations" scale="6" id="Tc_84B1_bXIoEaJ3sjEnkPBRA_5_4">279</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingProfitLossBeforeTaxFromDiscontinuedOperations" scale="6" id="Tc_XO_TOMYPak25O0ZLUOsSDQ_5_6">130</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingProfitLossBeforeTaxFromDiscontinuedOperations" scale="6" id="Tc_LusZ5p-0P0yYYE5QUSKkrQ_5_8">249</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Adjustments for:</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment (releases)/losses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" 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style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="Tc_rTeGkK-0-ESR6wDM6e5i_w_7_8">696</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amortisation of discounts and premiums of other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets" scale="6" id="Tc_T0Tdh2j-l0S5saL47DGLUQ_8_4">203</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets" scale="6" id="Tc_P9vb7NZo2EOB9Ofj_BKFyQ_8_6">267</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" scale="6" id="Tc_Vy48vO9w5Um8f8BA5ZI5LA_9_4">923</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" scale="6" id="Tc_wWO4J4XWEkSPPpX5cY73Cg_9_6">914</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" scale="6" id="Tc_X14xOIcCmE-V6FZKrehpcg_9_8">1,220</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Change in fair value taken to profit or loss of other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForChangeInFairValueOfOtherFinancialAssets" sign="-" scale="6" id="Tc_VmS7-SUYa0emsPKvBkW9wA_10_4">1,771</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" 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style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForChangeInFairValueOfOtherFinancialLiabilitiesAndSubordinatedLiabilities" sign="-" scale="6" id="Tc_Wcel1fFmQEK5xpOdBBZ84g_11_4">1,083</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p 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contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForChangeInFairValueOfOtherFinancialLiabilitiesAndSubordinatedLiabilities" scale="6" id="Tc_nVcSq8HGeUGjM2GmQbr82w_11_8">856</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Elimination of foreign exchange differences</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_YVGSFkGRBEOKFgV1k3RY3g_12_4">2,446</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="Tc_NEiwD4Io7UCwwYzqUCC6Vg_12_6">2,497</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_A_5iCJFiokWwUlOaFWp9iA_12_8">949</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other non-cash items </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForReconcileProfitLoss" sign="-" scale="6" id="Tc_l94Km5_UUE2lEGyy6cQ0Fg_13_4">164</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForReconcileProfitLoss" sign="-" scale="6" id="Tc_FboMcbBoNkmQNtTYdbS8dQ_13_6">2</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForReconcileProfitLoss" sign="-" scale="6" id="Tc_UellXdROg0S682ezVE4hBg_13_8">272</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income receivable on other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncomeReceivableFromOtherFinancialAssets" sign="-" scale="6" id="Tc_eI47mxf7SEC5Z9npfzY9FA_14_4">581</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncomeReceivableFromOtherFinancialAssets" sign="-" scale="6" id="Tc_gDBPam_zGUS5I7vt3lTLuw_14_6">518</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncomeReceivableFromOtherFinancialAssets" sign="-" scale="6" id="Tc_6NlxDCE0NkSLSBvOPzdP-g_14_8">854</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Profit)/loss on sale of other financial assets </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForGainLossOnDisposalsOtherFinancialAssets" scale="6" id="Tc_pbXMNcLTc06AsxspRREb1g_15_4">118</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForGainLossOnDisposalsOtherFinancialAssets" scale="6" id="Tc_rwOAuiEOtUCqKRB4ck4cTQ_15_6">96</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForGainLossOnDisposalsOtherFinancialAssets" sign="-" scale="6" id="Tc_Ss1ttA9ffkiu7iMTwXT8Dw_15_8">22</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Profit)/loss on sale of subsidiaries and associates</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="Tc_o1FU7ODvrUS_NGW5mpx7EQ_16_4">48</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates" sign="-" scale="6" id="Tc_ZJwQxjrMG0qePOnvfcwdnA_16_6">16</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="Tc_G17lmUG0KkK3anVhYGAjTA_16_8">2,224</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Share of (profit)/loss of associates</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" scale="6" id="Tc_OiSlr3EJH0W0RLHSebkCww_17_4">216</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" sign="-" scale="6" id="Tc_juRAHoNcOUGBJ4xRSvPT3w_17_6">30</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" sign="-" scale="6" id="Tc_elYjxEoMZUCvTSVSqsDu9g_17_8">14</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loss/(profit) on sale of other assets and net assets/liabiltiies</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:LossGainOnSaleOfOtherAssetsAndNetLiabilities" scale="6" id="Tc_O8vYflj9lki62tZahxBiHg_18_4">23</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:LossGainOnSaleOfOtherAssetsAndNetLiabilities" sign="-" scale="6" id="Tc_3Z0QUpnHqEmhKURAXrHNSg_18_6">16</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:LossGainOnSaleOfOtherAssetsAndNetLiabilities" sign="-" scale="6" id="Tc_ejeephlubE60G-e9W2_Z9Q_18_8">58</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest payable on MRELs and subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" sign="-" scale="6" id="Tc_fch1cJO6w0af2cCLpdv4sA_19_4">964</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" sign="-" scale="6" id="Tc_5PdmJEat9U6Vy_UovSShwg_19_6">1,182</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" sign="-" scale="6" id="Tc_zJ2-zu-y7UGRVG8iiGgBMw_19_8">1,151</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loss on sale of MRELs and subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" sign="-" scale="6" id="Tc_hEPn2Qm2GEyTu5QElt4BXA_20_4">145</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" sign="-" scale="6" id="Tc_U1vMhQHlUECLZdCdzoM4Xg_20_6">324</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Charges and releases on provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForProvisions" scale="6" id="Tc_1LrMl_vjkUeWdluz77wYdA_21_4">478</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForProvisions" scale="6" id="Tc_Hih6Lv3ZR0eyTCAvfe00uw_21_6">296</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForProvisions" scale="6" id="Tc_qaIBAMUZIkm9k2hcmZVXUA_21_8">1,243</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Defined benefit pension schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities" scale="6" id="Tc_KixLHbnXNEW93t_AWJKwJQ_22_4">215</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities" scale="6" id="Tc_aWEhxteEeka8OyE9t_Zvcw_22_6">215</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities" scale="6" id="Tc_YWfOyXKTLESJ1GvqepsDUg_22_8">188</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net cash flows from trading activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetCashInflowOutflowFromTradingActivities" scale="6" id="Tc_y7zT9K6CNEOhwXCNsl8NAA_23_4">7,934</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetCashInflowOutflowFromTradingActivities" scale="6" id="Tc_PyrPiv7qrkKRfU2lvMQ44A_23_6">2,494</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetCashInflowOutflowFromTradingActivities" scale="6" id="Tc_QIKlKw1jhkamxhKzbS9WFQ_23_8">7,138</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Decrease/(increase) in trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" scale="6" id="Tc_BJX9cKyEnkSRU8qBWwASrA_24_4">7,751</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" scale="6" id="Tc_ynTdKDXSWUqWwEZcvkDe9A_24_6">4,147</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" sign="-" scale="6" id="Tc_bAXRmhL3NkSoPBO6COvxmQ_24_8">659</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Decrease/(increase) in derivative assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" scale="6" id="Tc__sZr7pzM6EidLo8m7zyckg_25_4">59,697</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" sign="-" scale="6" id="Tc_TniYq11L1EahvDQ6N40Bqg_25_6">16,173</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" sign="-" scale="6" id="Tc_kIvz7G6MXkGM2rkMeFtITA_25_8">16,680</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Decrease/(increase) in settlement balance assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" scale="6" id="Tc_CT1YnAPlRUWsJPFyxti3ig_26_4">156</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" scale="6" id="Tc_C0KOdpQ3Vkysqn2r5ht99A_26_6">2,090</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" sign="-" scale="6" id="Tc_HLkNLp9ULUiwR99ygJktag_26_8">1,459</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Increase)/decrease in loans to banks </p></td><td style="vertical-align:bottom;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" sign="-" scale="6" id="Tc_w6TNY15kjkK0NB6Vn9pJRQ_27_4">252</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" sign="-" scale="6" id="Tc_8WG9GiW6VE-MeqAvmdQ63A_27_6">554</ix:nonFraction>)</p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" scale="6" id="Tc_OVMfpvHE-0q9cutpsG9gdQ_27_8">3,563</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Decrease/(increase) in loans to customers</p></td><td style="vertical-align:bottom;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" scale="6" id="Tc_1R0-pYy6jEa0fNMLtGgroQ_28_4">2,721</ix:nonFraction></b></p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" sign="-" scale="6" id="Tc_xYPxihO3k0GbGpSqEIuHqg_28_6">33,748</ix:nonFraction>)</p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" sign="-" scale="6" id="Tc_WC8ytOtczUaPiiueiSAuKw_28_8">22,642</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Increase)/decrease in other financial assets</p></td><td style="vertical-align:bottom;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" scale="6" id="Tc_IZsD8De68kK7CRKMSoUHuQ_29_4">128</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" sign="-" scale="6" id="Tc_KzbEurWCaUqbtQU0bZOKuQ_29_6">221</ix:nonFraction></p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" sign="-" scale="6" id="Tc_gGHL4YlB9EaVhnNcoQ7h9g_29_8">924</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Increase)/decrease in other assets</p></td><td style="vertical-align:bottom;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" sign="-" scale="6" id="Tc_x7z4GbXre0KrEhi1hrlHYg_30_4">57</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="Tc_DKmBFLZoCUCS71I_bZNKOw_30_6">8</ix:nonFraction></p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="Tc_AnE7BxRPN0OJPaTxMuPi2w_30_8">707</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Increase in assets of disposal groups</p></td><td style="vertical-align:bottom;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups" sign="-" scale="6" id="Tc_rfIhvl09H0mMqLd-fW1jBg_31_4">9,015</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Increase/(decrease) in banks deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromBanks" scale="6" id="Tc_vOMC2AC4P0OEtDMzRPUPaA_32_4">5,673</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromBanks" scale="6" id="Tc_V_9F4Q0f502EfbNZoH0h6A_32_6">113</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromBanks" sign="-" scale="6" id="Tc_iqCDTVTPFEK0AoKX37_uhg_32_8">2,804</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Increase in customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" scale="6" id="Tc_P0L1ePMBw0y-rlNrscynMw_33_4">48,071</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" scale="6" id="Tc_JazKduyGa0i-SOf9jCwh_A_33_6">62,492</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" scale="6" id="Tc_-j7b7vbj6UyU4McJYigF1w_33_8">8,333</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Decrease)/increase in settlement balance liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables" sign="-" scale="6" id="Tc_O48MidCYn0q-lefTR4UVzQ_34_4">350</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables" sign="-" scale="6" id="Tc_ThhhWyy7M0iPsYfmIPh34Q_34_6">1,652</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables" scale="6" id="Tc_x_bBRdsge0aRsQMQD9v-Ng_34_8">1,003</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Decrease)/increase in trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" sign="-" scale="6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" scale="6" id="Tc_a4ogJtzU9kG-z2KQYeLWFg_35_8">1,599</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Decrease)/increase in derivative liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" sign="-" scale="6" id="Tc_oNLh4RDgfkuabsdu1gh1sA_37_4">938</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" scale="6" id="Tc_74dOHZZyvE2Ab77LPqL1XA_37_6">1,085</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInNotesInCirculation" scale="6" id="Tc_xRTW9nZfUkWGCyFvCeS_Gg_38_4">392</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInNotesInCirculation" scale="6" id="Tc_6KV5pushwECE_M2mUr7Prw_38_6">546</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInNotesInCirculation" sign="-" scale="6" id="Tc_U_JKfdwnOkK_LhkapEqgAg_38_8">43</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Decrease in other liabilities</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet" sign="-" 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style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet" scale="6" id="Tc_BX7-vmoxfkG170PHRdZcug_40_8">9,939</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income taxes paid</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" scale="6" id="Tc_-tfEeaHGOE22AydLBkw4lg_41_4">856</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:5pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:5pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">34</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-weight:normal;">Consolidated cash flow statement for the year ended 31 December 2021 continued</span></p><a id="_851d51bd_2966_4413_a2cc_bac3f12448bf"></a><a id="Tc_GK1TJj2AXUGO3zXzvbNHng_1_4"></a><a id="Tc_FtR0Z6EOdkCGY2JedW4OJg_1_6"></a><a id="Tc_wmz3d2vgL0OAFb-m4LNeOg_1_8"></a><a id="Tc_LdHrKjbKmEaDjpIKi2Xk6A_2_2"></a><a 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Note</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flows from investing activities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Sale and maturity of other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" scale="6" id="Tc_GNz1emvEgUSl-8TGquFlew_4_4">16,859</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" scale="6" id="Tc_ZaM7hFPozEuh1i39r-yWIw_4_6">25,952</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" scale="6" id="Tc_I0qPflFP8Uy3DEkAwmzxHw_4_8">19,990</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Purchase of other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PurchaseOfOtherFinancialAssets" scale="6" id="Tc_9TFNXbEdP0ODDvb-nUfGAw_5_4">10,150</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:PurchaseOfOtherFinancialAssets" scale="6" id="Tc_WA7ajDODbEKi3wSrU7StCw_5_6">18,825</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PurchaseOfOtherFinancialAssets" scale="6" id="Tc_BdkQK-ehP06v4z1NFrOTaA_5_8">21,345</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income received on other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestReceivedClassifiedAsInvestingActivities" scale="6" id="Tc_QOk-buwD9UmkITIRrXQnyg_6_4">581</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestReceivedClassifiedAsInvestingActivities" scale="6" id="Tc_7o9keKjQy0K-MMG2C3D88g_6_6">518</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestReceivedClassifiedAsInvestingActivities" scale="6" id="Tc_tu4my7w3QECS3Z8HdWgvHg_6_8">854</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net movement in business interests and intangible assets </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 28</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" scale="6" id="Tc_7qAmeKrxdUGA8kyPu9W0bg_7_4">3,489</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" scale="6" id="Tc_WQpBFMApSk20YBwnWtptMQ_7_6">70</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" scale="6" id="Tc_DZAVIe51PkK5OhbkiRbWJw_7_8">84</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Sale of property, plant and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="Tc_et5vRh1ks0uI523iHAPUtA_8_4">165</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="Tc_E1_tQeyTQEKveEvQvGWCJg_8_6">348</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="Tc_uBuKYG8gdEOuQczAEs0Q6A_8_8">428</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Purchase of property, plant and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="Tc_vH9ywNydXkiL0B-LHPFoOw_9_4">901</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="Tc_CKh9mxSAUk67UZZQZo1Uiw_9_6">376</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="Tc_4L5mNMJD2kqHzox5qskCdw_9_8">559</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Net cash flows from investing activities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" scale="6" id="Tc_Ew07-dmVLUaf57gpz46asQ_10_4">3,065</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" scale="6" id="Tc_B46bntt-40Sv7069NR1Vjg_10_6">7,547</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" sign="-" scale="6" id="Tc_ABU_T5-hJUS4tctzAq_blw_10_8">716</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash flows from financing activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Movement in MRELs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_UJLa5WeT5ESqUqqUAlb7BA_13_4">2,736</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_2BiIiO5mR0-26-6c80hgmA_13_6">636</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_-w-B-bqJ8EOESqdM6EfYJQ_13_8">1,927</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:67.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Movement in subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssuingOtherEquityInstruments" scale="6" id="Tc_tksrasN1EECbiUmHNLQT1Q_18_6">2,218</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" sign="-" scale="6" id="Tc_ZmekcrvacEeZVEAH4b0Piw_20_4">2,641</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" scale="6" id="Tc_sB7bwrKjlE2WpaecFAQBUg_22_4">51,507</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndCashEquivalents" scale="6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 30</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.84%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_eef7e1cb_600b_4b8c_9b6b_9a63776ed57a"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes interest received of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" scale="6" id="Narr_XwFbbtOjuEKiQ3xs8UeXEg">9,696</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" scale="6" id="Narr_qqeJNgP0R0S0qXIwQ4fk-Q">10,007</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million, 2019 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" scale="6" id="Narr_H-clSI1bxEi9s4ZDMy--2g">11,245</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) and interest paid of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" scale="6" id="Narr_E06o3SF-7UGs97Y48dwtBw">1,668</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" scale="6" id="Narr_81UYXrO5VkquNq3u7yYelg">2,414</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million, 2019 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" scale="6" id="Narr_p-dUfvfnmU6H8gEPQ2m5Bw">3,318</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></ix:footnote></td></tr></table><div style="margin-top:5pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The accompanying notes on pages 43 to 110, the Accounting policies on pages 36 to 42, the audited sections of the Financial review on pages 9 to 22 and the audited sections of the Risk and capital management sections on pages 172 to 269 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F, form an integral part of these financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">35</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Accounting policies</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Accountingpolicies"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory" id="Tb_NqGELXTzX0WtIao8TVKFGA" continuedAt="Tb_NqGELXTzX0WtIao8TVKFGA_cont1" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">This section includes the basis of preparation of the financial statements and the significant accounting policies used to prepare the financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#f2f2f2;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">Our accounting policies are the specific principles, bases, conventions, rules, and practices we apply in preparing and presenting the financial statements. Further information is provided where judgment and estimation is applied to critical accounting policies and key sources of estimation uncertainty. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#f2f2f2;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">Future accounting developments details new or amendments to existing accounting standards, when they are effective from and where the NatWest Group is assessing their impact on future financial statements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock" id="Tb_vbPQW7ta90ioghLe_3kvYA" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">1. Presentation of financial statements </b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group plc is incorporated in the UK and registered in Scotland. The financial statements are presented in the functional currency, pounds sterling.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="white-space:pre-wrap;">NatWest Group plc&#8217;s consolidated financial statements incorporate the results of NatWest Group plc and the entities it controls.  Control arises when NatWest Group plc has the power to direct the activities of an entity so as to affect the return from the entity. Control is assessed by reference to our ability to enforce our will on the other entity, typically through voting rights. The consolidated financial statements are prepared under consistent accounting policies.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Transactions and balances between Group companies are eliminated in the consolidated financial statements to show only those transactions and balances external to the NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The audited financial statements are set out on pages 29 to 110 and the audited sections of Risk and capital management on pages 172 to 269 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F, form an integral part of these financial statements. The directors have prepared the financial statements on a going concern basis after assessing the principal risks, forecasts, projections and other relevant evidence over the twelve months from the date the financial statements are approved (see the Report of the directors, page 168 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F) and in accordance with UK adopted International Accounting Standards (IAS), International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB) and IFRS as adopted by the European Union. The significant accounting policies and related judgments are set out below.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Except for certain financial instruments as described in Accounting policies 10 and 15 and investment property, the financial statements are presented on a historical cost basis.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Accounting policy changes effective 1 January 2021.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The IASB amended IFRS 16 Leases with &#8220;COVID-19 amendments on lease modifications &#8211; Amendments to IFRS 16 &#8211; Leases (IFRS 16)&#8221;. The effect of the amendment on NatWest Group&#8217;s financial statements is immaterial.</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue" id="Tb_Mb2oQMqZ80GD2Zlnb8a7hA" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">2. Revenue recognition</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Interest income and expense are recognised in the income statement using the effective interest rate method for: all financial instruments measured at amortised cost, debt instruments measured as fair value through other comprehensive income and the effective part of any related accounting hedging instruments. Finance lease income is recognised at a constant periodic rate of return before tax on the net investment on the lease. Negative interest on financial assets is presented in interest payable and negative interest on financial liabilities is presented in interest receivable.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Other interest relating to financial instruments measured at fair value is recognised as part of the movement in fair value and is reported in income from trading activities or other operating income as relevant. Fees in respect of services are recognised as the right to consideration accrues through the performance of each distinct service obligation to the customer. The arrangements are generally contractual and the cost of providing the service is incurred as the service is rendered. The price is usually fixed and always determinable.</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory" id="Tb_YsETurCpgUabsejB7TxU-Q" continuedAt="Tb_YsETurCpgUabsejB7TxU-Q_cont1" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">3. Discontinued operations, Held for sale and Disposal group</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The results of discontinued operations (comprising the post-tax profit or loss of discontinued operations and the post-tax results of either the ongoing measurement at fair value less costs to sell or disposal of the discontinued operation) are excluded from the results of continuing operations and are presented as a single amount as profit/(loss) from discontinued operations, net of tax in the income statement. Comparatives are represented for the income statement, cash flow statement, statement of changes in equity and related notes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">An asset or disposal group (assets and liabilities) is classified as held for sale if NatWest Group will recover its carrying amount principally through a sale transaction rather than through continuing use. These are measured at the lower of its carrying amount or fair value less cost to sell unless scoped out of IFRS 5 in which case the existing measurement provisions of IFRS apply. These are presented as single amounts, comparatives are not represented.</p></ix:nonNumeric></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">36</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Accounting policies continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_NqGELXTzX0WtIao8TVKFGA_cont1" continuedAt="Tb_NqGELXTzX0WtIao8TVKFGA_cont2"><ix:continuation id="Tb_YsETurCpgUabsejB7TxU-Q_cont1"></ix:continuation><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DescriptionOfAccountingPolicyForStaffCosts" id="Tb_OGM2AQ3_50-1I2AklqUQXg" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">4. Staff costs</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Employee costs, such as salaries, paid absences, and other benefits are recognised over the period in which the employees provide the related services to NatWest Group. Employees may receive variable compensation in cash, in deferred cash or debt instruments of NatWest Group or in ordinary shares of NatWest Group plc. NatWest Group operates a number of share-based compensation schemes under which it grants awards of NatWest Group plc shares and share options to its employees. Such awards are subject to vesting conditions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Variable compensation that is settled in cash or debt instruments is charged to the income statement on a straight-line basis over the period during which services are provided, taking account of forfeiture and clawback criteria. The value of employee services received in exchange for NatWest Group plc shares and share options is recognised as an expense over the vesting period, subject to deferral. clawback and forfeiture criteria with a corresponding increase in equity. The fair value of the instruments granted is based on market prices at the grant date.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Defined contribution pension scheme</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A scheme where NatWest Group pays fixed contributions and there is no legal or constructive obligation to pay further contributions or benefits. Contributions are recognised in the income statement as employee service costs accrue.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:9pt;font-weight:normal;">Defined benefit pension scheme</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-weight:normal;">A scheme that defines the benefit an employee will receive on retirement and is dependent on one or more factors such as age, salary, and years of service. The net of the recognisable scheme assets and obligations is reported on the balance sheet in other assets or other liabilities. The defined benefit obligation is measured on an actuarial basis. The charge to the income statement for pension costs (mainly the service cost and the net interest on the net defined benefit asset or liability) is recognised in operating expenses.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Actuarial gains and losses (i.e. gains and/or losses on re-measuring the net defined benefit asset or liability due to changes in actuarial measurement assumptions) are recognised in other comprehensive income in full in the period in which they arise, and not subject to recycling to the income statement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The difference between scheme assets and scheme liabilities, the net defined benefit asset or liability, is recognised on the balance sheet if the criteria of the asset ceiling test are met. This requires the net defined benefit surplus to be limited to the present value of any economic benefits available to NatWest Group in the form of refunds from the plan or reduced contributions to it.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group will recognise a liability where a minimum funding requirement exists for any of its defined benefit pension schemes. This reflects agreed minimum funding and the availability of a net surplus as determined as described above. When estimating the liability for minimum funding requirements NatWest Group plc only include contributions that are substantively or contractually agreed and do not include discretionary features, including dividend-linked contributions</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" id="Tb_67MYixmLf0Ss0rAglsZqHw" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">5. Intangible assets and goodwill</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Intangible assets are identifiable non-monetary assets without physical substance acquired by NatWest Group are stated at cost less accumulated amortisation and impairment losses. Amortisation is a method to spread the cost of such assets over time to the income statement. This is charged to the income statement over the assets&#39; estimated useful economic lives using methods that best reflect the pattern of economic benefits. The estimated useful economic lives are:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock" id="Tb_yGWQamJRgUKzAsMSX7HSQA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr><td style="vertical-align:top;width:30.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Computer&#160;software</p></td><td style="vertical-align:top;width:69.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis_ifrs-full_ComputerSoftwareMember_ifrs-full_RangeAxis_ifrs-full_BottomOfRangeMember_zNcOhHCLlEi-tAG2R4ChKg" format="ixt-sec:duryear" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" id="Narr_ptxUpOs4v0mjZR8jTUGhBg">3</ix:nonNumeric> to <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis_ifrs-full_ComputerSoftwareMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_WOfCXtZfWkOGxBE_jEFi3w" format="ixt-sec:duryear" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" id="Narr_53fwJCwd5EmCzPQkL3L3IQ">12</ix:nonNumeric>&#160;years</p></td></tr><tr><td style="vertical-align:top;width:30.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Other&#160;acquired&#160;intangibles</p></td><td style="vertical-align:top;width:69.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis_ifrs-full_OtherIntangibleAssetsMember_ifrs-full_RangeAxis_ifrs-full_BottomOfRangeMember_o1DIuezEmk2qEAi6Sc-XAQ" format="ixt-sec:duryear" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" id="Narr_1S61Etp9g0GfCQP4q_1xaQ">5</ix:nonNumeric> to <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis_ifrs-full_OtherIntangibleAssetsMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_LmvtKZvF6ESbRDBDjHr_gw" format="ixt-sec:duryear" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" id="Narr_HaDp0DHo7UKloroc2u-OYg">10</ix:nonNumeric>&#160;years</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Expenditure on internally generated goodwill and brands is charged to the income statement as incurred.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Direct costs relating to the development of internal-use computer software are reported on the balance sheet after technical feasibility and economic viability have been established. These direct costs include payroll, the costs of materials and services, and directly attributable overheads. Capitalisation of costs ceases when the software can operate as intended.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">During and after development, accumulated costs are reviewed for impairment against the benefits that the software is expected to generate.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Costs incurred prior to the establishment of technical feasibility and economic viability are expensed to the income statement as incurred, as are all training costs and general overheads. The costs of licences to use computer software that are expected to generate economic benefits beyond one year are also reported on the balance sheet</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Goodwill on the acquisition of a subsidiary is the excess of the fair value of the consideration paid, the fair value of any existing interest in the subsidiary and the amount of any non-controlling interest measured either at fair value or at its share of the subsidiary&#8217;s net assets over the net fair value of the subsidiary&#8217;s identifiable assets, liabilities, and contingent liabilities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Goodwill is measured at initial cost less any subsequent impairment losses. The gain or loss on the disposal of a subsidiary includes the carrying value of any related goodwill when such transactions occur.</p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">37</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Accounting policies continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_NqGELXTzX0WtIao8TVKFGA_cont2" continuedAt="Tb_NqGELXTzX0WtIao8TVKFGA_cont3"><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory" id="Tb_uSUxg8Nl5USNfwnqAQwpBg" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">6. Impairment of non-financial assets</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">At each balance sheet date, NatWest Group assesses whether there is any indication that its intangible assets or property, plant and equipment are impaired. If any such indication exists, NatWest Group estimates the recoverable amount of the asset and compares it to its balance sheet value to calculate if an impairment loss should be charged to the income statement. The balance sheet value of the asset is reduced by the amount of the impairment loss. A reversal of an impairment loss on intangible assets or property, plant and equipment is recognised in the income statement provided the increased carrying value is not greater than it would have been had no impairment loss been recognised.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Goodwill is tested for impairment annually or more frequently if events or changes in circumstances indicate that it might be impaired. Impairment losses on goodwill are not reversed</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The recoverable amount of an asset that does not generate cash flows that are independent from those of other assets or groups of assets, is determined as part of the cash-generating unit to which the asset belongs. A cash-generating unit is the smallest identifiable group of assets that generates cash inflows that are largely independent of the cash inflows from other assets or groups of assets. For the purposes of impairment testing, goodwill acquired in a business combination is allocated to NatWest Group&#8217;s cash-generating units or groups of cash-generating units expected to benefit from the combination. The recoverable amount of an asset or cash-generating unit is the higher of its fair value less cost to sell or its value in use. Value in use is the present value of future cash flows from the asset or cash-generating unit discounted at a rate that reflects market interest rates adjusted for risks specific to the asset or cash-generating unit that have not been considered in estimating future cash flows.</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" id="Tb_xSlVwk0rCEu_H5zSz8qovA" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">7. Foreign currencies</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Foreign exchange differences arising on the settlement of foreign currency transactions and from the translation of monetary assets and liabilities are reported in income from trading activities except for differences arising on cash flow hedges and hedges of net investments in foreign operations.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Non-monetary items denominated in foreign currencies that are stated at fair value are translated into the functional currency at the foreign exchange rates ruling at the dates the values are determined. Translation differences are recognised in the income statement except for differences arising on non-monetary financial assets classified as fair value through other comprehensive income.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Income and expenses of foreign subsidiaries and branches are translated into sterling at average exchange rates unless these do not approximate the foreign exchange rates ruling at the dates of the transactions. Foreign exchange differences arising on the translation of a foreign operation are recognised in other comprehensive income. The amount accumulated in equity is reclassified from equity to the income statement on disposal of a foreign operation.</span></p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory" id="Tb_wbRd-gaep0aZvLzF97zLGA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">8. Provisions and contingent liabilities</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group recognises a provision for a present obligation resulting from a past event when it is more likely than not that it will be required to pay to settle the obligation and the amount of the obligation can be estimated reliably.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Provision is made for restructuring costs, including the costs of redundancy, when NatWest Group has a constructive obligation. An obligation exists when NatWest Group has a detailed formal plan for the restructuring and has raised a valid expectation in those affected either by starting to implement the plan or by announcing its main features.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group recognises any onerous cost of the present obligation under a contract as a provision. An onerous cost is the unavoidable cost of meeting its contractual obligations that exceed the expected economic benefits. When NatWest Group intends to vacate a leasehold property or right of use asset, the asset would be tested for impairment and a provision may be recognised for the ancillary contractual occupancy costs, such as rates.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Contingent liabilities are possible obligations arising from past events, whose existence will be confirmed only by uncertain future events, or present obligations arising from past events that are not recognised because either an outflow of economic benefits is not probable, or the amount of the obligation cannot be reliably measured. Contingent liabilities are not recognised but information about them is disclosed unless the possibility of any outflow of economic benefits in settlement is remote.</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory" id="Tb_-ousOZnp9kuLClU3lqL-zw" continuedAt="Tb_-ousOZnp9kuLClU3lqL-zw_cont1" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">9. Tax</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Tax encompassing current tax and deferred tax is recognised in the income statement except when taxable items are recognised in other comprehensive income or equity. Tax consequences arising from servicing financial instruments classified as equity are recognised in the income statement in line with IAS 12.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Current tax is tax payable or recoverable in respect of the taxable profit or loss for the year arising in the income statement, other comprehensive income or equity. Provision is made for current tax at rates enacted, or substantively enacted, at the balance sheet date.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Deferred tax is the tax expected to be payable or recoverable in respect of temporary differences between the carrying amount of an asset or liability for accounting purposes and the carrying amount for tax purposes. Deferred tax liabilities are generally recognised for all taxable temporary differences and deferred tax assets are recognised to the extent their recovery is probable.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Deferred tax is not recognised on temporary differences that arise from initial recognition of an asset or a liability in a transaction (other than a business combination) that at the time of the transaction affects neither accounting nor taxable profit or loss. Deferred tax is calculated using tax rates expected to apply in the periods when the assets will be realised or the liabilities settled, based on tax rates and laws enacted, or substantively enacted, at the balance sheet date.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Deferred tax assets and liabilities are offset where NatWest Group has a legally enforceable right to offset and where they relate to income taxes levied by the same taxation authority either on an individual NatWest Group company or on NatWest Group companies in the same tax group that intend, in future periods, to settle current tax liabilities and assets on a net basis or on a gross basis simultaneously.</p></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">38</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Accounting policies continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_NqGELXTzX0WtIao8TVKFGA_cont3" continuedAt="Tb_NqGELXTzX0WtIao8TVKFGA_cont4"><ix:continuation id="Tb_-ousOZnp9kuLClU3lqL-zw_cont1"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Accounting for taxes is judgmental and carries a degree of uncertainty because tax law is subject to interpretation, which might be questioned by the relevant tax authority. NatWest Group recognises the most likely current and deferred tax liability or asset, assessed for uncertainty using consistent judgments and estimates. Current and deferred tax assets are only recognised where their recovery is deemed probable, and current and deferred tax liabilities are recognised at the amount that represents the best estimate of the probable outcome having regard to their acceptance by the tax authorities.</p></ix:continuation><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory" id="Tb_AKhPQPdS2kuB4PTp1cGESA" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">10. Financial instruments</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial instruments are measured at fair value on initial recognition on the balance sheet.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Monetary financial assets are classified into one of the following subsequent measurement categories (subject to business model assessment and review of contractual cash flow for the purposes of sole payments of principal and interest where applicable):</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">amortised cost</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> measured at cost using the effective interest rate method, less any impairment allowance;</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">fair value through other comprehensive income (FVOCI)</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> measured at fair value, using the effective interest rate method and changes in fair value through other comprehensive income;</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">mandatory fair value through profit or loss (MFVTPL)</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> measured at fair value and changes in fair value reported in the income statement; or</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">designated at fair value through profit or loss (DFV)</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> measured at fair value and changes in fair value reported in the income statement.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Classification by business model reflects how NatWest Group manages its financial assets to generate cash flows. A business model assessment helps to ascertain the measurement approach depending on whether cash flows result from holding financial assets to collect the contractual cash flows, from selling those financial assets, or both.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Business model assessment of assets is made at portfolio level, being the level at which they are managed to achieve a predefined business objective. This is expected to result in the most consistent classification of assets because it aligns with the stated objectives for the portfolio, its risk management, manager&#8217;s remuneration and the ability to monitor sales of assets from a portfolio.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">The contractual terms of a financial asset; any leverage features; prepayment and extension terms; and triggers that might reset the effective rate of interest; are considered in determining whether cash flows are solely payments of principal and interest.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Certain financial assets may be designated at fair value through profit or loss (DFV) upon initial recognition if such designation eliminates, or significantly reduces, accounting mismatch.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Equity shares are measured at fair value through profit or loss unless specifically elected as at fair value through other comprehensive income (FVOCI).</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Upon disposal, the cumulative gains or losses in fair value through other comprehensive income reserve are recycled to the income statement for monetary assets and non-monetary assets</span><span style="font-family:'Arial','Helvetica','sans-serif';"> </span><span style="font-family:'Arial','Helvetica','sans-serif';">(equity shares) the cumulative gains or losses are transferred directly to retained earnings.</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-weight:normal;">Regular way purchases of financial assets classified as amortised cost are recognised on the settlement date; all other regular way transactions in financial assets are recognised on the trade date.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial liabilities are classified into one of following measurement categories:</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">amortised cost</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> measured at cost using the effective interest rate method; </span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">held for trading</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> measured at fair value and changes in fair value reported in income statement; or</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">designated at fair value through profit or loss</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> measured at fair value and changes in fair value reported in the income statement except changes in fair value attributable to the credit risk component recognised in other comprehensive income when no accounting mismatch occurs.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" id="Tb_azSb3M8O-keorhUGIWm9PA" continuedAt="Tb_azSb3M8O-keorhUGIWm9PA_cont1" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">11. Impairment: expected credit losses (ECL)</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">At each balance sheet date each financial asset or portfolio of financial assets measured at amortised cost or at fair value through other comprehensive income, issued financial guarantee and loan commitment (other than those classified as held for trading) is assessed for impairment. Any change in impairment is reported in the income statement. Loss allowances are forward-looking, based on 12-month ECL where there has not been a significant increase in credit risk rating, otherwise allowances are based on lifetime expected losses.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">ECL are a probability-weighted estimate of credit losses. The probability is determined by the risk of default which is applied to the cash flow estimates. In the absence of a change in credit rating, allowances are recognised when there is a reduction in the net present value of expected cash flows. Following a significant increase in credit risk, ECL are adjusted from 12 months to lifetime. This will lead to a higher impairment charge.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Judgment is exercised as follows:</span></p><table style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Models</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> &#8211; in certain low default portfolios, Basel parameter estimates are also applied for IFRS 9.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Non-modelled portfolios</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">, mainly in Private Banking, RBSI and Lombard, use a standardised capital requirement under Basel II. Under IFRS 9, they have bespoke treatments for the identification of significant increase in credit risk. Benchmark PDs, EADs and LGDs are reviewed annually for appropriateness. The ECL calculation is based on expected future cash flows, which is typically applied at a portfolio level.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Multiple economic scenarios (MES)</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> &#8211; the central, or base, scenario is most critical to the ECL calculation, independent of the method used to generate a range of alternative outcomes and their probabilities.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Significant increase in credit risk</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> &#8211; IFRS 9 requires that at each reporting date, an entity shall assess whether the credit risk on an account has increased significantly since initial recognition. Part of this assessment requires a comparison to be made between the current lifetime PD (i.e. the current probability of default over the remaining lifetime) with the equivalent lifetime PD as determined at the date of initial recognition.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">39</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Accounting policies continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_NqGELXTzX0WtIao8TVKFGA_cont4" continuedAt="Tb_NqGELXTzX0WtIao8TVKFGA_cont5"><ix:continuation id="Tb_azSb3M8O-keorhUGIWm9PA_cont1"><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">On restructuring where a financial asset is not derecognised, the revised cash flows are used in re-estimating the credit loss. Where restructuring causes derecognition of the original financial asset, the fair value of the replacement asset is used as the closing cash flow of the original asset.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Where in the course of the orderly realisation of a loan, it is exchanged for equity shares or property, the exchange is accounted for as the sale of the loan and the acquisition of equity securities or investment property. Where NatWest Group&#8217;s acquired interest is in equity shares, relevant policies for control, associates and joint ventures apply.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Impaired financial assets are written off and therefore derecognised from the balance sheet when NatWest Group concludes that there is no longer any realistic prospect of recovery of part, or all, of the loan. For financial assets that are individually assessed for impairment, the timing of the write-off is determined on a case-by-case basis. Such financial assets are reviewed regularly and write-off will be prompted by bankruptcy, insolvency, re-negotiation, and similar events.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The typical time frames from initial impairment to write-off for NatWest Group&#8217;s collectively assessed portfolios are:</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Retail mortgages: write-off usually occurs within </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_MortgagesMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_Y580v_wAtkK4hqh9fQD8LQ" format="ixt-sec:durwordsen" name="nwg:FinancialAssetWriteoffPeriod" id="Narr__62_VZ7010WVIg1W28eAIQ"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">five years</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">, or earlier, when an account is closed, but can be longer where the customer engages constructively;</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Credit cards: the irrecoverable amount is typically written off after </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_item_iZPKymIsYUuf3fpVdGAPKQ" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_CreditCardsMember_qmYSLuP-OkeQvTnOKhR97A" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff" scale="0" id="Narr_9YpSWPDssEmukygBfw5Lsg">twelve</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> arrears cycles or at </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_CreditCardsMember_qmYSLuP-OkeQvTnOKhR97A" format="ixt-sec:durwordsen" name="nwg:FinancialAssetWriteoffPeriod" id="Narr_dQxXAK71ZkKgrOcsJGHeQQ"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">four years</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> post default any remaining amounts outstanding are written off;</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Overdrafts and other unsecured loans: write-off occurs within </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OverdraftsAndOtherUnsecuredLoansMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_rZdQQxseO0ONo6LWqic67A" format="ixt-sec:durwordsen" name="nwg:FinancialAssetWriteoffPeriod" id="Narr_OCEEDp63fEaGRpGuQJaakw"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">six years</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">;</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Commercial loans: write-offs are determined in the light of individual circumstances; and Business loans are generally written off within </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_ConsumerLoansMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_nxNGdvJST0aOCYgCGhL5Ow" format="ixt-sec:durwordsen" name="nwg:FinancialAssetWriteoffPeriod" id="Narr_ZiLE46M06ki3yrBrz6xIvw"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">five years</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:continuation><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" id="Tb_fMFZtS0tekeSJJAgqWegRw" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">12. Derecognition</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A financial asset is derecognised (removed from the balance sheet) when the contractual right to receive cash flows from the asset has expired or when it has been transferred and the transfer qualifies for derecognition. Conversely, an asset is not derecognised in a contract under which NatWest Group retains substantially all the risks and rewards of ownership.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A financial liability is removed from the balance sheet when the obligation is paid, or is cancelled, or expires. Cancellation includes the issuance of a substitute instrument on substantially different terms.</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" id="Tb_d9PJP5_YIkiBdAv7QD-f2g" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">13. Netting</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial assets and financial liabilities are offset, and the net amount presented on the balance sheet when, and only when, NatWest Group currently has a legally enforceable right to set off the recognised amounts and it intends either to settle on a net basis or to realise the asset and settle the liability simultaneously. NatWest Group is party to a number of arrangements, including master netting agreements, that give it the right to offset financial assets and financial liabilities, but where it does not intend to settle the amounts net or simultaneously, the assets and liabilities concerned are presented separately on the balance sheet.</p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory" id="Tb_G9RAGheOIUK0iFtAm2Dp5Q" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">14. Capital instruments</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group classifies a financial instrument that it issues as a liability if it is a contractual obligation to deliver cash or another financial asset, or to exchange financial assets or financial liabilities on potentially unfavourable terms and as equity if it evidences a residual interest in the assets of NatWest Group after the deduction of liabilities. Incremental costs and related tax that are directly attributable to an equity transaction are deducted from equity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The consideration for any ordinary shares of NatWest Group plc purchased by NatWest Group (known as treasury shares or own shares held) is deducted from equity. On the cancellation of treasury shares their nominal value is removed from equity and any excess of consideration over nominal value is treated in accordance with the capital maintenance provisions of the Companies Act 2006.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On the sale or re-issue of treasury shares the consideration received and related tax are credited to equity, net of any directly attributable incremental costs.</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory" id="Tb_VZ8Q4WYS1UyQJzhAwPDCyQ" continuedAt="Tb_VZ8Q4WYS1UyQJzhAwPDCyQ_cont1" escape="true"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">15. Derivatives and hedging</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Derivatives are reported on the balance sheet at fair value.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group uses derivatives as part of its trading activities, to manage its own risk such as interest rate, foreign exchange, or credit risk or in certain customer transactions. Not all derivatives used to manage risk are in hedge accounting relationships (an IFRS method to reduce accounting mismatch from changes in the fair value of the derivatives reported in the income statement).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Gains and losses arising from changes in the fair value of derivatives that are not in hedge relationships are recognised in the income statement in Income from trading activities except for gains and losses on those derivatives that are managed together with financial instruments designated at fair value; these gains and losses are included in Other operating income.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Hedge accounting</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group enters into three types of hedge accounting relationships (see later)). Hedge accounting relationships are designated and documented at inception in line with the requirements of IAS 39 Financial instruments &#8211; Recognition and Measurement. The documentation identifies the hedged item, the hedging instrument and details of the risk that is being hedged and the way in which effectiveness will be assessed at inception and during the period of the hedge.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;">Fair value hedge&#160;</span>- the gain or loss on the hedging instrument and the hedged item attributable to the hedged risk is recognised in the income statement. Where the hedged item is measured at amortised cost, the balance sheet amount of the hedged item is also adjusted.</p></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">40</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Accounting policies continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_NqGELXTzX0WtIao8TVKFGA_cont5" continuedAt="Tb_NqGELXTzX0WtIao8TVKFGA_cont6"><ix:continuation id="Tb_VZ8Q4WYS1UyQJzhAwPDCyQ_cont1"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;">Cash flow hedge </span>-<span style="color:#06b3bb;"> </span>the effective portion of the designated hedge relationship is recognised in other comprehensive income and the ineffective portion in the income statement. When the hedged item (forecasted cash flows) results in the recognition of a financial asset or financial liability, the cumulative gain or loss is reclassified from equity to the income statement in the same periods in which the hedged forecasted cash flows affect the income statement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;">Hedge of net investment in a foreign operation</span><span style="color:#06b3bb;"> </span>-<span style="color:#06b3bb;"> </span>In the hedge of a net investment in a foreign operation, the effective portion of the designated hedge relationship is recognised in other comprehensive income. Any ineffective portion is recognised in profit or loss. Non-derivative financial liabilities as well as derivatives may be designated as a hedging instrument in a net investment hedge.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Discontinuation of hedge accounting</span><span style="font-size:9pt;"> </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Hedge accounting is discontinued if the hedge no longer meets the criteria for hedge accounting i.e. the hedge is not highly effective in offsetting changes in fair value or cash flows attributable to the hedged risk, consistent with the documented risk management strategy; the hedging instrument expires or is sold, terminated or exercised; or if hedge designation is revoked.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For fair value hedging any cumulative adjustment is amortised to the income statement over the life of the hedged item. Where the hedge item is no longer on the balance sheet the adjustment to the hedged item is reported in the income statement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For cash flow hedging the cumulative unrealised gain or loss is reclassified from equity to the income statement when the hedged cash flows occur or, if the forecast transaction results in the recognition of a financial asset or financial liability, when the hedged forecast cash flows affect the income statement. Where a forecast transaction is no longer expected to occur, the cumulative unrealised gain or loss is reclassified from equity to the income statement immediately.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For net investment hedging on disposal or partial disposal of a foreign operation, the amount accumulated in equity is reclassified from equity to the income statement.</p></ix:continuation><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DescriptionOfAccountingPolicyForSharesInGroupEntities" id="Tb_qmNqbmNrSUmNImZ4Qi8WSw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">16. Investment in Group undertakings</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group plc&#8217;s investments in its Group undertakings (subsidiaries) are stated at cost less any impairment.</p></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock" id="Tb_tXdKONbwP0mUTTLmB3nX-g" continuedAt="Tb_tXdKONbwP0mUTTLmB3nX-g_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:9pt;font-weight:normal;">Critical accounting policies and key sources of estimation uncertainty</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The reported results of NatWest Group are sensitive to the accounting policies, assumptions and estimates that underlie the preparation of the financial statements. The accounting standards used in the preparation of the financial statements (see presentation of financial statements above) require the directors, in preparing NatWest Group&#39;s financial statements, to select suitable accounting policies, apply them consistently and make judgments and estimates that are reasonable and prudent. In the absence of accounting guidance, standards used in the preparation of the financial statements require the directors to develop and apply an accounting policy that results in relevant and reliable information in the light of the requirements and guidance in IFRS dealing with similar and related issues and the IASB&#39;s &#8217;Conceptual Framework for Financial Reporting&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The judgments and assumptions involved in NatWest Group&#39;s accounting policies that are considered by the Board to be the most important to the portrayal of its financial condition are noted below. The use of estimates, assumptions or models that differ from those adopted by NatWest Group would affect its reported results. Estimation uncertainty continues to be affected by the COVID-19 pandemic. The COVID-19 pandemic continued to cause significant economic and social disruption during 2021. Key financial estimates are based on management&#39;s latest five-year revenue and cost forecasts. Measurement of goodwill, deferred tax and expected credit losses are highly sensitive to reasonably possible changes in those anticipated conditions. Other reasonably possible assumptions about the future include a prolonged financial effect of the COVID-19 pandemic on the economy of the UK and other countries or greater economic effect as countries and companies implement plans to counter climate risks.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">How Climate risk affects our accounting judgments and estimates</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group makes use of reasonable and supportable information to make accounting judgments and estimates. This includes information about the observable effects of the physical and transition risks of climate change on the current creditworthiness of borrowers, asset values and market indicators. It also includes the effect on NatWest Group&#8217;s competitiveness and profitability. Many of the effects arising from climate change will be longer term in nature, with an inherent level of uncertainty, and have limited effect on accounting judgments and estimates for the current period. Some physical and transition risks can manifest in the shorter term. The following items represent the most significant effects:</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The classification of financial instruments linked to climate, or other sustainability indicators: consideration is given to whether the effect of climate related terms prevent the instrument cashflows being solely payments of principal and interest.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The measurement of expected credit loss considers the ability of borrowers to make payments as they fall due. Future cashflows are discounted, so long dated cashflows are less likely to affect current expectations on credit loss. NatWest Group&#8217;s assessment of sector specific risks, and whether additional adjustments are required, include expectations on the ability of those sectors to meet their financing needs in the market. Changes in credit stewardship and credit risk appetite that stem from climate considerations, such as oil and gas, will directly affect our positions.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The assessment of asset impairment and deferred tax are based upon value in use. This represents the value of future cashflows and uses the Group&#8217;s five-year forecast and the expectation of long term economic growth beyond this period. The five-year forecast takes account of management&#8217;s current expectations on competitiveness and profitability, including near term effects of climate transition risk. The long term growth rate reflects external indicators which will include market expectations on climate risk. NatWest Group did not consider any additional adjustments to this indicator.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The use of market indicators as inputs to fair value is assumed to include current information and knowledge regarding the effect of climate risk.</span></td></tr></table><div style="margin-top:12pt;"></div></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">41</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Accounting policies continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_NqGELXTzX0WtIao8TVKFGA_cont6"><ix:continuation id="Tb_tXdKONbwP0mUTTLmB3nX-g_cont1"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Changes in judgments and assumptions could result in a material adjustment to those estimates in the next reporting periods. Consideration of this source of estimation uncertainty has been set out in the notes below (as applicable).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:78.33%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:2.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:19.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:78.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Critical accounting policy</p></td><td style="vertical-align:top;width:2.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-align:right;text-indent:-7.2pt;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;width:19.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-align:right;text-indent:-7.2pt;margin:0pt;">Note</p></td></tr><tr><td style="vertical-align:bottom;width:78.33%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Deferred tax</p></td><td style="vertical-align:top;width:2.34%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:19.32%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">7</p></td></tr><tr><td style="vertical-align:bottom;width:78.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Fair value - financial instruments</p></td><td style="vertical-align:top;width:2.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:19.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">11</p></td></tr><tr><td style="vertical-align:bottom;width:78.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Loan impairment provisions</p></td><td style="vertical-align:top;width:2.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:19.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">15</p></td></tr><tr><td style="vertical-align:bottom;width:78.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Goodwill</p></td><td style="vertical-align:top;width:2.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:19.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">17</p></td></tr><tr><td style="vertical-align:bottom;width:78.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Provisions for liabilities and charges</p></td><td style="vertical-align:top;width:2.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:19.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">21</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:continuation><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock" id="Tb_Oikr6pw6g0W_tEh4CwFF9g" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Future accounting developments</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;font-weight:normal;">International Financial Reporting Standards</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:8.5pt;font-weight:normal;">Effective 1 January 2022</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Onerous Contracts &#8211; Cost of Fulfilling a Contract (Amendments to IAS 37);</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Property, Plant and Equipment: Proceeds before Intended Use (Amendments to IAS 16);</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Reference to Conceptual Framework (Amendments to IFRS 3); and</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Fees in the &#8220;10 per cent&#8221; test for Derecognition of Financial Liabilities (Amendments to IFRS 9).</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Other new standards and amendments that are effective for annual periods beginning after 1 January 2023, with earlier application permitted, are set out below.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:8.5pt;font-weight:normal;">Effective 1 January 2023 </span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">IFRS 17 Insurance Contracts (Amendments to IFRS 17 Insurance Contracts);</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Classification of Liabilities as Current or Non-current (Amendments to IAS 1);</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Deferred Tax related to Assets and Liabilities arising from a Single Transaction (Amendments to IAS 12);</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Definition of Accounting Estimates (Amendments to IAS 8); and</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Disclosure of Accounting Policies (Amendments to IAS 1 and IFRS Practice Statement 2).</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 3pt 0pt;">NatWest Group is assessing the effect of adopting these standards and amendments on its financial statements but does not expect the effect to be material.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 3pt 18pt;"><span style="margin-left:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">42</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Notes to the consolidated financial statements</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a1Netinterestincome_902109"></a><a id="_a84a2d8e_c0e1_450e_9230_4db09aae7f7c"></a><a id="Tc_Hf6_f4N9kUmJoQrPg_luFg_1_2"></a><a id="Tc_1tytybqXMEqHTc6svVGzPw_1_4"></a><a id="Tc_q_l5N2QqOUmvl82-Kxczpw_1_6"></a><a id="Tc_VbIPFDOvOEyMU_v_Yds33w_2_0"></a><a id="Tc_O64KwrNwKE2oivsWkMsd9w_2_2"></a><a id="Tc_hsbE41W9kk-TF7bij-jbUQ_2_4"></a><a id="Tc_qVA9rhIW7E2qrGC_1ps-cw_2_6"></a><a id="Tc_tfakXlHc-UqsnYQf3kxJlg_3_0"></a><a id="Tc_i2X4QpOseUG8lT1IEf2o9Q_4_0"></a><a id="Tc_57BVFvB-xU2Vn4cqt0VJwg_5_0"></a><a id="Tc_kMDnrZ2A8Eu6-WGPpzrg_w_6_0"></a><a id="Tc_Nz5ecIT0Lke7YlWqfXwPFw_7_0"></a><a id="Tc_BPa4ux76QU2oPU785wzy7w_9_0"></a><a id="Tc_AALx3ob6AU6ZOxbJCOFbFg_10_0"></a><a id="Tc_KVNRSFe-n0yAIFtG_6pu1w_11_0"></a><a id="Tc_Rb1BYstWZ06eYwbGulggIA_12_0"></a><a id="Tc_8WT-_5qePkWb25BoUe3oOQ_13_0"></a><a id="Tc_jv4xl6JicUeM_UxH3mfwnA_14_0"></a><a id="Tc_TzQU1_kGoEq2k1XMy-MaEQ_15_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory" id="Tb_mEqymY0Z1E67f9vXwPfQwQ" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">1 Net interest income</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Net interest income is the difference between the interest NatWest Group earns from its interest-bearing assets, such as loans, balances with central banks and other financial assets, and the interest paid on its interest-bearing liabilities, such as deposits and subordinated liabilities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Interest receivable on financial instruments classified as amortised cost, debt instruments classified as FVOCI and the interest element of the effective portion of any designated hedging relationships are measured using the effective interest rate, which allocates the interest receivable or interest payable over the expected life of the financial instrument at the rate that exactly discounts all estimated future cash flows to equal the financial instrument&#39;s initial carrying amount. Calculation of the effective interest rate takes into account fees payable or receivable that are an integral part of the financial instrument&#8217;s yield, premiums or discounts on acquisition or issue, early redemption fees and transaction costs. All contractual terms of a financial instrument are considered when estimating future cash flows. Negative interest on financial assets is presented in interest payable and negative interest on financial liabilities is presented in interest receivable.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Included in interest receivable is finance lease income which is recognised at a constant periodic rate of return before tax on the net investment.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">For accounting policy information see Accounting policies note 2.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory" id="Tb_ka2HpVhADk6Nbir-D6W0Vw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:69.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestIncomeOnCashAndBankBalancesAtCentralBanks" scale="6" id="Tc_4LLoRqFcU0KJ9Pm0Xuxt0g_3_4">90</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestIncomeOnOtherFinancialAssets" scale="6" id="Tc_5U-SvMIXyEKXIPeJYr7lyg_6_4">483</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Balances with banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnDepositsFromBanks" scale="6" id="Tc_4p654hH7sE2NqG84wOVN6Q_9_2">204</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestExpenseOnCustomerDeposits" scale="6" id="Tc_QwGw9XR4SkSiiySdDCEMnA_10_2">556</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestExpenseOnCustomerDeposits" scale="6" id="Tc_-NQTz7n0GkuahAi8mfiTbA_10_4">911</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestExpenseOnCustomerDeposits" scale="6" id="Tc_y2gwmEi0TkaZyd4HWB4H3A_10_6">1,256</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" scale="6" id="Tc_Vg219N4VF02PrFIph7VSBQ_11_2">670</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" scale="6" id="Tc_Ta7cbwGxw0Ou4LG4S1sF5g_11_4">846</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" scale="6" id="Tc_z0JyVZ41pkqSI0xaM2RsZQ_11_6">1,102</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestExpenseOnSubordinatedLiabilities" scale="6" id="Tc_54tZSX2WKUmSmAqWlSA2Uw_12_2">267</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestExpenseOnSubordinatedLiabilities" scale="6" id="Tc_xK5oqwizwE-uVWJoRhI5oQ_12_4">402</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestExpenseOnSubordinatedLiabilities" scale="6" id="Tc_csEbOMbqG0i0V151pEci9g_12_6">483</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Internal funding of trading businesses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" scale="6" id="Tc_J44faZne6Ua-3Fldn_L5kQ_13_2">2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" scale="6" id="Tc_opsZoKrAv06gydJCbH8yIg_13_4">19</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesHeldForTrading" scale="6" id="Tc_GKU-6TJjMEuAByAqU-89qQ_13_6">168</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest payable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_m_6cXjiy9km3PAk-bglNBg_14_2">1,699</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_vDZDA10GVUyMKBSSrGMRGg_14_4">2,322</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_PKoq3eSDf0WOoIEDinrRBA_14_6">3,328</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_fLVgsZ8k4kuoXv6jyyMGQw_15_2">7,614</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_TMuFUPfrQE6ydJP2XMh7Bw_15_4">7,476</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_oH5Age0rYk6QenagYqipYA_15_6">7,799</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><div style="margin-top:3pt;"></div></ix:nonNumeric></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">43</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a2Noninterestincome_914654"></a><a id="_e5cd264c_ea9f_4e70_b48f_38e975ec64ca"></a><a id="Tc_fq2KD1Nfe0GFbxbks12-yQ_1_2"></a><a id="Tc_Ff1PwdHtMEqc51lmDzsTKw_1_4"></a><a id="Tc_OM-fn9GdKUajrrEELOXu4A_1_6"></a><a id="Tc_FGspxvZWcUmY2hqTtqyJnQ_2_0"></a><a id="Tc_LNbAr6orw0i1GDJITO9RDw_2_2"></a><a id="Tc_lEFs-YGm9EejVYNQa2bIDA_2_4"></a><a id="Tc_sgr_J5lwTkuUhrP3DGVppg_2_6"></a><a id="Tc_WduU75yQ80GrU5I2Tla_GA_3_0"></a><a id="Tc_Niig69RdpEOedUAsZDxYnQ_4_0"></a><a id="Tc_UN4lBZXR0k2y9Pidj24nvw_5_0"></a><a id="Tc_cmdCAq6U4kmNhiwlqhNq6g_6_0"></a><a id="Tc_rxGQkXkWDU6DUmmtu_FFVg_7_0"></a><a id="Tc_-A3NDeTwiEOjTDOB10qH_A_8_0"></a><a id="Tc_hesB5YZZDUmUOB8aLzdebA_9_0"></a><a id="Tc_9NcLi4uRB0qAgeHxVSbXEA_10_0"></a><a id="Tc_NfAOVQMkh0qIYctHl0QVsg_10_2"></a><a id="Tc_124HqJZqOUqoNTIYaqmiiw_10_4"></a><a id="Tc_VjdtdRXyzEa6etxqU1No8w_11_0"></a><a id="Tc_wcoh4Q-dIk6be8WDBHIxtg_11_2"></a><a id="Tc_ZTjYIwBjLUSXhyPMb6R_yQ_11_6"></a><a id="Tc_iEFpM9n_MUSpc0uzCS9NPA_14_0"></a><a id="Tc_kIQXI2ca7EmS0q-R9xuS9A_15_0"></a><a id="Tc_DINJHh6_RUWzLaK8GBUvHg_15_6"></a><a id="Tc_lgYgbb3xT0SeC27CR0TF3Q_16_0"></a><a id="Tc_t-6N6wiP60Cf0rRNRu1qCA_17_0"></a><a id="Tc_C-NFcoeVhUikDfDpDK4loQ_18_0"></a><a id="Tc_DGFqh8lbEkWfwmN1dEUSEA_19_0"></a><a id="Tc_6nRGC6N8xkWR2I_xX03-2g_20_0"></a><a id="Tc_AgoguQepzUySjbkIeGB-zg_21_0"></a><a id="Tc_FAc8NlwttkOGKYgaPEYFEA_22_0"></a><a 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;min-height:0.0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2020 (1) </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2019 (1) </p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td 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format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_kjLSP81rU0aMHGvAQBJVhg_3_2">2,124</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_rkiv5rmQhE-h6bg-OcXSng_3_4">2,000</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_IthAReAcfkabO3Dw1au80g_3_6">2,497</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Income from 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3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpenseOnEquityInstruments" scale="6" id="Tc_dAjjjitckEqJRFyQmhGsNw_11_4">36</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_DENdpnFXckynwRLiBK6MUQ_12_2">323</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_aW9V4gFEfUeMbA_MWAQLLw_12_4">1,125</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_3GFJSM-XVU-4WGci6MlaRw_12_6">932</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Other operating income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loss on redemption of own debt</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsGainsLossesOnExtinguishmentOfDebt" sign="-" scale="6" id="Tc_zZ8ZBncLYEGz_YgrXLJXOg_15_2">145</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsGainsLossesOnExtinguishmentOfDebt" sign="-" scale="6" id="Tc_W0UDf_7oi0uR0vo4I0CTlw_15_4">324</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease and other rental income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingLeaseAndOtherRentalIncome" scale="6" id="Tc_MGzX649w7USfsod3WQJcMQ_16_2">225</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingLeaseAndOtherRentalIncome" scale="6" id="Tc_XBGDkhG3lEavTwuAUgN1RA_16_4">232</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OperatingLeaseAndOtherRentalIncome" scale="6" id="Tc_GIWwx_b8y0K9YIXxOo2qWQ_16_6">250</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Changes in fair value of financial assets and liabilities designated at fair value </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" sign="-" scale="6" id="Tc_EDBmNdCD80C4i3LDquRdzA_17_2">8</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" sign="-" scale="6" id="Tc_ZCsmOSXdA0GkXP_N7CQ6mg_17_4">54</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" sign="-" scale="6" id="Tc_KnpXzU_H10ODE7RJIRdSEw_17_6">17</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">through profit or loss (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Changes in fair value of other financial assets at fair value through profit or loss (4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="Tc_tzle2KL-zUSVwBToe3yhEA_19_2">5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="Tc_YvyYSYzlf0yYpkEjnhpppg_19_4">2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" sign="-" scale="6" id="Tc_4nQn5JDFxkq3s6KBSAebfQ_21_4">18</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" sign="-" scale="6" id="Tc_4ucLU-i5bEWlinKNEE8mqg_24_4">30</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" sign="-" scale="6" id="Tc_h34UmcjAm0emsR4zDQ7Oyw_24_6">14</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) on disposal of subsidiaries and associates (6)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" scale="6" id="Tc_xDhzIyQvF0GOuJXn5xtQNw_25_6">2,224</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other income (7,8)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsOtherIncomeExpense" scale="6" id="Tc_QKxWfuXVGk6-8ONX4RQY7Q_26_2">13</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsOtherIncomeExpense" sign="-" scale="6" id="Tc_YDLm43jmrk2cZhfwu0p7Ig_26_4">18</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsOtherIncomeExpense" scale="6" id="Tc_GEmhX-L0wEubBOHULP8LqQ_26_6">132</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="Tc_9TRXA6uk8kSoWjKBJoBKqQ_27_2">451</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherOperatingIncomeExpense" sign="-" scale="6" id="Tc_wFjXkvuFVkWwp4YHX11k9A_27_4">93</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="Tc_KbV9JVQspky17WVvTEbCXg_27_6">2,759</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:70.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NonInterestIncomeExpense" scale="6" id="Tc_kEQhcxgnDEOVk0ybUE0zyg_28_2">2,898</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.13%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:NonInterestIncomeExpense" scale="6" id="Tc_YDyNLAJVbUy57JZwVV7QYw_28_4">3,032</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NonInterestIncomeExpense" scale="6" id="Tc_hv84s7FvBU2XljGGBs9mBg_28_6">6,188</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Refer to Note 4 for further analysis.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Including related derivatives.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes instruments that have failed Solely payments of principal and interest testing under IFRS 9.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(5)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossPurchaseOfFreeholdsForProperties" scale="6" id="Narr_B5MWtxUddES967rqfh4uVg">44</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million loss on the purchase of freeholds for properties where the Group was the primary leaseholder.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(6)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2019 includes a gain of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_6_1_2019_To_6_30_2019_ifrs-full_BusinessCombinationsAxis_nwg_AlawwalBankMergerMember_ZeFwATrl70GLgpKV1aYrwQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" scale="6" id="Narr_tBWnKINREk-oia2h2vt_6A">444</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million(</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_6_1_2019_To_6_30_2019_ifrs-full_BusinessCombinationsAxis_nwg_AlawwalBankMergerMember_ZeFwATrl70GLgpKV1aYrwQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" scale="6" id="Narr_xc78HgmXJkq2DhBvcX_cQQ">523</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million), a legacy liability release of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_6_1_2019_To_6_30_2019_ifrs-full_BusinessCombinationsAxis_nwg_AlawwalBankMergerMember_ZeFwATrl70GLgpKV1aYrwQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:LegacyLiabilityReleaseAmount" scale="6" id="Narr_40_yRhh3C0SWEPQllJB0jA">256</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million and an FX recycling gain of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_6_1_2019_To_6_30_2019_ifrs-full_BusinessCombinationsAxis_nwg_AlawwalBankMergerMember_ZeFwATrl70GLgpKV1aYrwQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" scale="6" id="Narr_QAmFE9f4o0Gz__N1kzt3Qw">290</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million on completion of the Alawwal bank merger</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">in June 2019; In 2019, </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SignificantInvestmentsInSubsidiariesAxis_nwg_RfsHoldingsMember_xTkVyrc51EKN5GwuMsDpXQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" scale="6" id="Narr_kIs0vHIDrk-1ccjVy1VmaA">1,102</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million of FX recycling gains arising on the liquidation of RFS Holdings BV and </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SignificantInvestmentsInSubsidiariesAxis_nwg_UbiDacMember_Kk_etsWUU0eNJe3Xusr79A" decimals="-6" format="ixt:numdotdecimal" name="nwg:RepaymentsOfCapitalInSubsidiaries" scale="6" id="Narr_VCtx0a-kUEiN-p3af1Rr1A">67</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million in relation to a capital repayment by UBIDAC. The recycling gains and capital repayment have been calculated using the step-by-step method in IFRIC 16 and by reference to the proportion of equity applied to the FX translation reserve.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(7)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes income from activities other than banking.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(8)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2020 includes </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_UkMortgagesPortfolioMember_OtC-WPRhaE-YQsetrZL3mw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnAcquisitionOfFinancialAssets" scale="6" id="Narr_qddOO8nXDEOfXRW23P8huQ">58</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million loss on acquisition of a </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_UkMortgagesPortfolioMember_4Q7kX0jU0EKIj9TbWT-Wtg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_1f3hbilTy0aqFGutLkT-dw">3.0</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion prime UK mortgages portfolio from Metro Bank plc.</span></td></tr></table></ix:nonNumeric></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">44</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><a id="a3Operatingexpenses_709753"></a><a id="_4f18e18b_690c_4fae_9fad_14fe868e8199"></a><a id="Tc_k6sRt9Zj5kyk2MF2UCoSeg_1_2"></a><a id="Tc_iCmY49dyqECJu23faxwMhA_1_4"></a><a id="Tc_SPd1QMwPWU-ZPvfF3eHk4A_1_6"></a><a id="Tc__slDdeYyGk6Udp4HVOzn1w_2_0"></a><a id="Tc_Ak9Vs8pnFEaeCuy3_TRcmQ_2_2"></a><a id="Tc_lxmgOn8MA0CY980L_2B2zg_2_4"></a><a id="Tc_7G9fAWvnuU-McjSnIbxwng_2_6"></a><a id="Tc_z3a5S-Cuhk6ac4vTuGyzPQ_3_0"></a><a id="Tc_yIwAZdw2eUyKg0qOG1Hleg_4_0"></a><a id="Tc_1NSYQCnoJkatPXKZ7ewbpA_5_0"></a><a id="Tc_KW2rEnKpS0WqXidL-nWxCA_6_0"></a><a id="Tc_RI0_MDY8vES6OMEpUak9EA_7_0"></a><a id="Tc_DUGZcSJePEO55Zf29ik4vw_8_0"></a><a id="Tc_gj27tiDB5EaubQs1mXtWKA_9_0"></a><a id="Tc__v_as16xjE-6vEqDDLDG6g_10_0"></a><a id="Tc_37BHbXS5CkiqXHJevjAyAw_11_0"></a><a id="Tc_haHsun_kv0SEmesW_tAC4g_13_0"></a><a id="Tc_4iqGRk14KkKSqzq3EvvNFg_14_0"></a><a id="Tc_XEoEU8bLEkSmVEOxU6XoHA_15_0"></a><a id="Tc_6UTcpw6230C32Qxk6hhvdA_16_0"></a><a id="Tc_7o2LQOcFu0ehoXHPiQ-JnA_17_0"></a><a id="_2ea3e4b3_7c43_4cc1_a883_be1da749c1eb"></a><a id="Tc_XNl0FIzeW06yW97aKX9Riw_1_0"></a><a id="Tc_KIEMCtqgJ0uyikgLOGiDxA_1_2"></a><a id="Tc_1ptqW2w3kkSuLzs6UoZrnw_1_4"></a><a id="Tc_0ql77JD38EK504UJjSg-_A_1_6"></a><a id="Tc_FuibdzGCPk2i0SiHjpX_pw_2_0"></a><a id="Tc_zRpPW02vEEa8Dts89TyJbA_3_0"></a><a id="Tc_2PPPSevAmky-TyHCmvkuwQ_4_0"></a><a id="Tc_xzCB8tLEe0SuU85xvTDb7w_5_0"></a><a id="Tc_W-20T-QvGEG2N1RJUPXbMA_6_0"></a><a id="Tc_kNZYKa2lSUOLflWHwm9GjQ_7_0"></a><a id="Tc_zshPoQFWekKPjG_OYy9gkw_8_0"></a><a id="Tc_Mup_sxQORku8QpEhvaR6Rw_9_0"></a><a id="Tc_cobbYgbwbEiQW4Xc2OmXqQ_11_0"></a><a id="Tc_RhHozBYWmUuN6VbWjhNQ6Q_12_0"></a><a id="Tc_HwydN0__QkShUD1R-DEbOw_13_0"></a><a id="Tc_hjd1JRgXJEqxJ9h7W-jYwQ_14_0"></a><a id="Tc_r10mgl-H9kSq7b2EkylHVQ_15_0"></a><a id="Tc_cq5MBJvy2USiW32h0keshw_16_0"></a><a id="Tc_kyjoLPdoOU-iSlGFqFPkeA_17_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock" id="Tb_jJwC9LceH06AEfqs80F4xA" continuedAt="Tb_jJwC9LceH06AEfqs80F4xA_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">3 Operating expenses</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Operating expenses are expenses NatWest Group incurs for operation of the business such as salaries, bonus awards, pension costs, depreciation and other administrative expenses. 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style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.28%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2020 (1) </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2019 (1) </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Salaries</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:WagesAndSalaries" scale="6" id="Tc_HOS62Vg010KMcV_tmWPKig_3_2">2,295</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:WagesAndSalaries" scale="6" id="Tc_e31PdGo-a06KwfE6ZVljaw_3_4">2,494</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:WagesAndSalaries" scale="6" id="Tc_brRuNDhZO0qfWrUc_w0mRw_3_6">2,477</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bonus awards</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLoss" scale="6" id="Tc_XbJeyGQwxUaeqCfUnGlqWQ_4_2">267</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLoss" scale="6" id="Tc_VClnfrD-5Uy-SQzYtOLf7A_4_4">232</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLoss" scale="6" id="Tc_Gi5d7tLYhUK7a3_9v0I5aQ_4_6">299</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Temporary and contract costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherShorttermEmployeeBenefits" scale="6" id="Tc_6oEmsolaB0ipDVywHtt9MQ_5_2">240</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherShorttermEmployeeBenefits" scale="6" id="Tc_CIk5CdomoEGqTrZJsgbRiA_5_4">258</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SocialSecurityContributions" scale="6" id="Tc_0MoWws8kUUaJwXjol13R-A_6_2">300</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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id="Tc_mrcj_QGsB0SbrdjJe-evOA_6_6">296</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Pension costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PostEmploymentBenefitExpense" scale="6" id="Tc_iBwUcbhDbUmAO75bCH3Emg_7_2">354</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:PostEmploymentBenefitExpense" scale="6" id="Tc_H1Dks3KZDU6cMwG9FxMi2Q_7_4">340</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PostEmploymentBenefitExpense" scale="6" id="Tc_stOhORenj0GjF4-4e9Eq6Q_7_6">301</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- defined benefit schemes (see Note 5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="Tc_2DDAiVP300K27ajo0gTdLA_8_2">215</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="Tc_54Rzh4tSjkKUo_WV2-yttg_8_4">215</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="Tc_iumGpXn6eke-LYjC-QUnSg_8_6">188</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;border-bottom:1px solid #000000;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- defined contribution schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="Tc_Rw7FZ7MRsEy2DaYAsL9BOA_9_2">139</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="Tc_OpLbdEzrDUWv2acj5JFCrw_9_4">125</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherEmployeeExpense" scale="6" id="Tc_slcpFNsFmk6-ap4GHzN5nA_10_2">220</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherEmployeeExpense" scale="6" id="Tc_kA6kC-k3CkSqzPAsMeta3w_10_4">238</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherEmployeeExpense" scale="6" id="Tc_kaZj6iu7xUK3Vffrssm05w_10_6">202</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Staff costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EmployeeBenefitsExpense" scale="6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EmployeeBenefitsExpense" scale="6" id="Tc_ABEuQEgVDUOlFdGy79n6jg_11_6">3,976</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Premises and equipment (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Tc_BGQQjPJ7wkW3mzZm7IvyUQ_13_2">1,133</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Tc_t1MDsUS0D0yOU3i6MQjosQ_13_4">1,222</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Tc_Kj8zWGxIpUSiGnZ-SrkZ9A_13_6">1,258</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK bank levy (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BankLevy" scale="6" id="Tc_TKuTkn2OVkm9PYTzRGM4tA_14_2">99</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BankLevy" scale="6" id="Tc_B4CgffIBBkumPsUX9dseVg_14_4">167</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BankLevy" scale="6" id="Tc_zleD0VM4UEmvFCdSbZ3Mwg_14_6">134</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation (4,5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="Tc_b0lAi8J6Hk6PFn252KcGUg_15_2">923</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="Tc_5YtKNVOAI0W3HsQoB405xw_15_4">913</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="Tc_yTCtgFXQ3kWk3oucXcwgYQ_15_6">1,218</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other administrative expenses (6)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherAdministrativeExpenseExcludingBankLevy" scale="6" id="Tc_3RvkUUq3WkqnT4y5RCae-Q_16_2">1,927</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherAdministrativeExpenseExcludingBankLevy" scale="6" id="Tc_YO8g7L8XY0WydeG89H8c5A_16_4">1,678</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherAdministrativeExpenseExcludingBankLevy" scale="6" id="Tc_XJ5l2nUn-UGUspMEx-ppbQ_16_6">2,694</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Administrative expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdministrativeExpense" scale="6" id="Tc_61zmH8KOokO_-aIy8M-xFg_17_2">4,082</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdministrativeExpense" scale="6" id="Tc_cxgLQR-eeUOu3u42gEso5Q_17_4">3,980</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdministrativeExpense" scale="6" id="Tc_G28nHqMC6ku_ypV89Es9cQ_17_6">5,304</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:68.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingExpense" scale="6" id="Tc_hTmJiPeFH0Sv7QcxPMC60g_18_2">7,758</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingExpense" scale="6" id="Tc_s5CqDkt4_EGznrIY3CaUxg_18_4">7,858</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingExpense" scale="6" id="Tc_mP_5j6nm9E6qUC84UMxIDQ_18_6">9,280</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2021 includes cost of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_42Mn3pdLzUKZkZJ9yTpowQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_heXxMKzUQ0yhglpo2bHTng">33</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million including accelerated depreciation of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_42Mn3pdLzUKZkZJ9yTpowQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:AcceleratedDepreciationExpensePropertyPlantAndEquipment" scale="6" id="Narr_dYxsyRsDUEeugHkb2jFzYg">41</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_uFPcqldnN0uAhFMx1RCiZQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_vnCmt11ZuUGQ2WNhDqqgwQ">144</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million including </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_uFPcqldnN0uAhFMx1RCiZQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:AcceleratedDepreciationExpensePropertyPlantAndEquipment" scale="6" id="Narr_MwH3E3NqLkahiHvSfo4-WA">71</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million accelerated depreciation; 2019 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_W-0Lo-SeUk-Kw452LhxD7g" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_KUc80_KI1UOS7I6Hj-hEVQ">161</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million including </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_W-0Lo-SeUk-Kw452LhxD7g" decimals="-6" format="ixt:numdotdecimal" name="nwg:AcceleratedDepreciationExpensePropertyPlantAndEquipment" scale="6" id="Narr_Irbc7Ax-BUKrH52LrAlxfA">40</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million accelerated depreciation) in relation to the planned reduction of the property portfolio (2021 &#8211; freehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LandMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_ZvdU-VwQaE23uSRfImtzQw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_xhbwZOBy5USyAliqRiw6pg">3</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million; leasehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_vfL9mhPgs0SjYVmBH6GdWw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_4c5rnLuo00qtF4gU1GYiUw">30</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million; 2020 - freehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LandMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_Y9jRnqVBGkW6QDUZbyHeoA" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_dSd6D90BcU6U_hxanOtG3w">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million; leasehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_wIu_DSiZqEOEgpLxfTQbEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_fS6ZK0QA1U-HhF32rTICng">143</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million; 2019 - freehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LandMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_G1TtPwq2AECSTGJdBi67cg" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_xNhgpWsKCUqeHC3x7E-Mzg">4</ix:nonFraction> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">million; leasehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_jfIUJLkNpUWJTdroU6ui2w" decimals="-6" format="ixt:numdotdecimal" name="nwg:PremisesAndEquipmentExpense" scale="6" id="Narr_xNrsFxQv9EyBh6MxnfM7Kg">157</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2019 includes a rebate of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PriorPeriodRebateOnBankLevy" scale="6" id="Narr__X062QypzUyVp59RfENUIg">31</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million relating to prior periods.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">2021 includes a </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_42Mn3pdLzUKZkZJ9yTpowQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_tTccySdqE0ev-8oYSt0NVw">58</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million charge relating to the reduction in property portfolio, leasehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_vfL9mhPgs0SjYVmBH6GdWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_9hLl5vz8F0mp1H6r3kdedQ">48</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million and freehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LandMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_ZvdU-VwQaE23uSRfImtzQw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_l6oxGB40ikmL9mBTWhhigA">10</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_uFPcqldnN0uAhFMx1RCiZQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_7PNh5ThtFk6LKBaNwfIZlA">107</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million charge, leasehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_wIu_DSiZqEOEgpLxfTQbEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_v2fZGYvZHEqy1HtE5oLTGQ">86</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million and freehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LandMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_Y9jRnqVBGkW6QDUZbyHeoA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_tm9MThEP-U6k22XIOehtqA">21</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million; 2019 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_W-0Lo-SeUk-Kw452LhxD7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_H1oYiG7B0UGx07xIY4lERg">287</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million charge, leasehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_jfIUJLkNpUWJTdroU6ui2w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_X_oEptdIfEWNC_XojlewCw">37</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million and freehold </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LandMember_srt_StatementScenarioAxis_nwg_PlannedReductionOfPropertyPortfolioMember_G1TtPwq2AECSTGJdBi67cg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="Narr_-RXO1jQkNE-PQ-R6WPS71A">250</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(5)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes impairment of goodwill of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="Narr_1MRhBY6inUeZxr7TIDDJFg">85</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(6)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes litigation and conduct costs, net of amounts recovered. Refer to Notes 21 and 27 for further details.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">The average number of persons employed, rounded to the nearest hundred, during the&#160;year, excluding temporary staff,was <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:AverageNumberOfEmployees" scale="0" id="Narr_sECxcB0vn0eGN_rv4ySPtA">59,200</ix:nonFraction> (2020&#160;- <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:AverageNumberOfEmployees" scale="0" id="Narr_HJiXx0FVGESiG4UoAqfPww">61,400</ix:nonFraction>;2019 - <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:AverageNumberOfEmployees" scale="0" id="Narr_1DvqI9do9Ue83UamJ4yw1g">64,200</ix:nonFraction>). The average number of temporary employees during 2021 was <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="0" format="ixt:numdotdecimal" name="nwg:AverageNumberOfTemporaryEmployees" scale="0" id="Narr_zmqHHQWdDUqHJBq6MFPKYw">2,500</ix:nonFraction> (2020 - <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="0" format="ixt:numdotdecimal" name="nwg:AverageNumberOfTemporaryEmployees" scale="0" id="Narr_STegVx84e0Gt7k-iedJPdA">3,200</ix:nonFraction>;2019&#160;-&#160;<ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="0" format="ixt:numdotdecimal" name="nwg:AverageNumberOfTemporaryEmployees" scale="0" id="Narr_660rumpgzEuOwOIrM5x_9w">4,100</ix:nonFraction>).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The number of persons employed at 31 December, excluding temporary staff, by reportable segment, was as follows: </p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory" id="Tb_k6k0_65EhEGJEmYwOdBFUg" continuedAt="Tb_k6k0_65EhEGJEmYwOdBFUg_cont1" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:top;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Retail Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_gSzSy3k0-kK4Z5zBCbF4cg" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_x2bJgIC14Eep-8bu0nyWMA_2_2">15,800</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_JzIJz6CogUOe0IIb2UoxAA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_olaPBH1TFkK9LsJNVTt1EQ_2_4">17,200</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_aPpHQrVtt0qxeeN4I3Sh9w" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_FI08RlKCv0-OeJZjD8WRjg_2_6">19,600</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Private Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_pS9t3wNjcEymlbVJUM86AQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_4pagNrAdIkSNZRSN5GhFTQ_3_2">1,900</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_JGvyKDprSEKQo_Xlh1XDFA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_7yqeMuobl0-FcbLoz-5rog_3_4">1,900</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_nyxHonFK1kGN-tUElE_IMQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_U0gBn5EFM0CCl9G3smvXhQ_3_6">1,700</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Commercial Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_FEiUET1pUkqIB4vrvSqLGw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_EIfWFiNECEeZkBFI0VZyXw_4_2">8,400</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_XdwP8RzPaEy_ixo4nu_sTw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_807FhED1EkK09MsRcIj18Q_4_4">9,700</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_PB5OBNKr8keLb1Q7rpBaWQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_bqVKUcQu10KxgVVudivRLA_4_6">9,700</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">RBS International</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_engymdf5TkOshtqGQ7j0-Q" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_7UOE51JyfEmy6DD8UM_MbA_5_2">1,400</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_HVFTXZj-q0e40UMzZb7-Tw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_S_ZpE5T8kkCVPvfniVOoDA_5_4">1,500</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_e4YYSnko70OiEcEavu97Rw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_0aoERFUrYkGq0ID0DQhMig_6_2">1,600</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_H46x_LyEqE-QxFzxSH2zjA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_n7EhiwyPaU2mR6BHt8zJug_6_4">2,100</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_XKBvZ-GaSUqDA55BcFLyhw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_v776rbFN70mrcm_LHdjjkQ_6_6">5,000</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central items &amp; other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsOtherMember_V_gi8dOYo0GafQvjxjak6A" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_jOP-GKWdZUyMmMB79K67RQ_7_2">27,000</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsOtherMember_W-fs2TzRtUeHRwtyvkYelg" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_6Z9HDtZvO0e9i1CfC0FN_Q_7_4">24,900</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsOtherMember_tv0WPfy2fEqZcKfXQdGY5A" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_2oQitx6yskykNEcoNFXF5Q_7_6">22,600</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ulster Bank RoI (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_33VJsUG6eUekUj9QKe1Vog" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_Qy4E0ilxrUKIJ4v04-AzQg_8_2">1,700</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_12nlzMaw2UObBYh72_IjQQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_eFs3tl1lJE-cS7ENdGQy6g_8_4">1,900</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_zukokm3gAUWEbe0Y42o5xQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_88EE2MHvSUGkFRcMIMKDIQ_8_6">2,000</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_sTa1qZwaRU6UzhDXNQ3yyA_9_2">57,800</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_Rqsrg-ASqU2n0CMburGIfQ_9_4">59,200</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_9Ie6Nwy1TkGKrJJe29E1kg" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_SDlCUai1G0KPqGwJD1wCXA_11_2">40,600</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_w2cVHcBAqU-a8TeU7jrmdw" decimals="0" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">USA</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_Jru-Yr6uJUmUSZc-_5cGVA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_Ir2RTfrU80mV3HwoUgiFLw_12_2">300</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_US_On-WHC3CkkeeQmnBI94MRA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_nJ6WaDu5E0uILP_tSdYz7Q_12_4">300</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_US_15-lDXS6XUei21Dqf4Wgqw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_ySwRw8dEtkyd7CKxE0AH8w_12_6">400</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">India</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_IN_CFzCOEBJe0aYvr2vq3oaLw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_ocFlydv6bUSJOvPSEI7nHA_13_2">13,500</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_IN_fkZA6uSFHkmduAWtbpckXw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_PM3ffZeGRUq-y_xRUqt-Yw_13_4">13,200</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_IN_z9zohr2mA0iJy1F0zE6FNQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_SOkEiXvGBkiLorwbfhZo1w_13_6">13,500</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Poland</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_PL_xlmEo8GQ2UGrF8KUh9rnaQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_H8qSS3WzoEK6DkJjmrKHlQ_14_2">1,400</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_PL_K_UNkKd67kqlrEXbXaWE3g" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_7sUSfHUvPkqY6XYPqAk5gw_14_4">1,200</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_PL_HLQPlyEk9EKDB8EhGncc5g" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_XvuIb58fzEagWKR3COQ13Q_14_6">1,300</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Republic of Ireland</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_IE_RUgJ68Ug5UaXos-LBTTrDA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_3dMBvySFJEmkOFjTUnNbxA_15_2">1,200</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_IE_7nIE96Oa1kShTrIPZFKhoA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc__6Cx8bDMZ0aSg3bPvsYZEQ_15_4">1,400</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_IE_lzpgW2WWMEWJDy3EvLaSEQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_M-2PHimvWUWl-czG0eesSg_15_6">1,500</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Rest of the World</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldMember_zIGXBn7bzk69tRN_VB_9FQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_5mYKawZq_0aX49EazxspVw_16_2">800</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldMember_PxLRJBSlR0yjWoIOT1OJgA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_I-ukuGy5-kyX5uE_idsuZg_16_4">600</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldMember_WKHjQyKoH0Si1tJ6dA_ZGg" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_plfcCzri_E-qO3t80SoPyg_16_6">900</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:69.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_0UVRjdo8dUSTcEPNrvDaKg_17_2">57,800</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.53%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_xwR5n-UU00OR_7GnM6z-oA_17_4">59,200</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Tc_xZidLuamDkSOHY1rHgZi9w_17_6">62,200</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Total number of persons employed in Ulster Bank RoI of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_lyNXZM6yOke_qROvjMIXGw" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Narr_nFVFjFcRZESXdvA_45aYHQ">2,400</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> (2020 &#8211; </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_RInRYhCDZU6LbcGgNOP6UA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Narr_HrxkhV-jO0KVduhRmHsA3g">2,600</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">; 2019 &#8211; </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_U_LGM5qNzkex3itbMFHDdA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Narr_OH_DHO2X5kyysZhMp4GcfQ">2,700</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">) includes </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_Js7rYSVGoUyDVEWsgcqM0g" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Narr_U72cYRqhjU6T8lRITQ-39g">700</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> people employed in discontinued operations at 31 December 2021 (2020 &#8211; </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_yqkd62H8J0Gx3MVXFKSxGA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Narr_4dLjlPZ97EyxRD3gKAtRXA">700</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">; 2019 &#8211; </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_employee_V9jdxakC00y6Kp2TRXmZJg" contextRef="As_Of_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_bf5vgnjRLUWrtl5HD5zSzQ" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:NumberOfEmployees" scale="0" id="Narr_fWNEOOtJ7kedjQa0vPeH1A">700</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">).</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">45</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_909dfe65_bb63_416c_9f3c_54de99d8056a"></a><a id="Tc_v17Y4Oa81ky-Y5XNBpJaRA_1_0"></a><a id="Tc_sGel7-E7YkamL_o0gVNDwg_1_2"></a><a id="Tc_GC9oQ4xxXUOobrCC0dhhPA_1_6"></a><a id="Tc_PfycBnXRD0yDXgf84FXH5w_1_10"></a><a id="Tc_kXGjC0LOeUObuiCmRNYsFg_2_2"></a><a id="Tc_GERaaWfSxEC5mN2YRMhAUA_2_4"></a><a id="Tc_PXfnlfaCaUmxlq0c4ZF18A_2_6"></a><a id="Tc_Ng70KkTsO0mgrom9SQ-UrA_2_8"></a><a id="Tc_R7xaLIaiOUWOQpJ_mf729w_2_10"></a><a id="Tc_7bOeU1oAzUGuKNDOOeZoJw_2_12"></a><a id="Tc_o_chC_W4tkGfldg9RUD10w_3_2"></a><a id="Tc_2XBfYxO43U-tJ3hSIacOxA_3_4"></a><a id="Tc_HwQRZRS4WUu7Q-ZPjhfTww_3_6"></a><a id="Tc_4GwdmgfLXk-dzC3oiwtvvA_3_8"></a><a id="Tc_I2JokDIITkyeJ3sH6jYM4g_3_10"></a><a id="Tc_KMBDgrhau0O4iuzaZcqzUA_3_12"></a><a id="Tc_4g8c-d70KEuBsgVCi9fUdA_4_2"></a><a id="Tc_P0_oFMPF-kiR02pQffg0yw_4_4"></a><a id="Tc_fg8LYf6LRk2GMDkQuUnCAQ_4_6"></a><a id="Tc_GRyQMRBi2k-KpxtK5H34YA_4_8"></a><a id="Tc_D3elI8Bz6Uu3fvCfDAPUrg_4_10"></a><a id="Tc_EXGT7JkZT0qO8H8ehqROPw_4_12"></a><a id="Tc_bE0bW84DAEeHCV2nPbvi-g_5_0"></a><a id="Tc_rdQi_H4IXkKkmBCXHHBa2g_6_0"></a><a id="Tc_vZvG6yUR8U607uU1o2ruAw_7_0"></a><a id="Tc_B7Xo2u1pfEKkkTY_yVtOzA_7_8"></a><a id="Tc_ccrTdixc8k2WeeNakufAGw_8_0"></a><a id="Tc_TlOLe61GmkqCm5oah4CkSg_9_0"></a><a id="_604d1a49_85e9_4c00_aae8_8fb76e6c7871"></a><a id="Tc_1i2L5-BbcE-rmWglqIryYw_1_0"></a><a id="Tc_3kNxS_mS1kCxyRbGzHjPig_1_2"></a><a 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style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-weight:normal;">Share-based payments</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">As described in the Remuneration report, NatWest Group grants share-based awards to employees principally on the following bases:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory" id="Tb_-A854JQY80-fxGewcvo-FA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:21.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:21.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:21.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:21.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Award&#160;plan</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#06b3bb;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Eligible&#160;employees</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#06b3bb;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Nature&#160;of&#160;award</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#06b3bb;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Vesting&#160;conditions&#160;(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#06b3bb;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Settlement</p></td></tr><tr><td style="vertical-align:top;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Sharesave</p></td><td style="vertical-align:bottom;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK, Channel Islands, Gibraltar, Isle of Man, Poland and India.</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Option to buy shares under employee savings plan</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Continuing employment or leavers in certain circumstances</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:8.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2022 to 2026</p></td></tr><tr><td style="vertical-align:top;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred performance awards</p></td><td style="vertical-align:bottom;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">All</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Awards of ordinary shares and conditional shares</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Continuing employment or leavers in certain circumstances</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:8.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2022 to 2028</p></td></tr><tr><td style="vertical-align:top;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Long-term incentives (2)&#160;</p></td><td style="vertical-align:bottom;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:21.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Senior employees</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Awards of ordinary shares and conditional shares </p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:21.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Continuing employment or leavers in certain circumstances and/or satisfaction of the pre-vest assessment and underpins</p></td><td style="vertical-align:bottom;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:8.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2022 to 2028</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">All awards have vesting conditions which may not be met.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;white-space:pre-wrap;">Long-term incentives include buy-out awards offered to compensate certain new hires for the loss of forfeited awards from their previous employment.  All awards are granted under the Employee Share Plan.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The fair value of Sharesave options granted in 2021 was determined using a pricing model that included: expected volatility of shares determined at the grant date based on historical volatility over a period of up to five years; expected option lives that equal the vesting period; expected dividends on equity shares; and risk-free interest rates determined from UK gilts with terms matching the expected lives of the options.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">The exercise price of options and the fair value on granting awards of fully paid shares is the average market price over the five trading days (three trading days for Sharesave) preceding grant date. When estimating the fair value of the award, the number of shares granted, and the prevailing market price (as defined on pages 142 of the NatWest Group 2021 Annual Report and Form 20-F Information included as Exhibit 15.2 to this Form 20-F) are used.  The fair value of the award is recognised as services are provided over the vesting period.</span></p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" name="ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory" id="Tb_ipSkdxZidEC7tz6bkw2O2w" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Sharesave</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Average</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Shares</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Average</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Average</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Shares</p></td></tr><tr><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">exercise&#160;price</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">under&#160;option</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">exercise&#160;price</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">under&#160;option</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">exercise&#160;price</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">under&#160;option</p></td></tr><tr><td style="vertical-align:bottom;width:42.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(million)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#163;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#163;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td></tr><tr><td style="vertical-align:top;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cjNhoh5aOk2WWxsJ7v95_Q" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="Tc_Dza6uwU0-0yqAQ1nYzIOxA_5_2">1.64</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cjNhoh5aOk2WWxsJ7v95_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOutstandingShareOptions" scale="6" id="Tc_wL8w-JAa2kmPVNU7v1_MFA_5_4">96</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_XGRMxpScwE-hJGJZXpE0Fw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="Tc_2Pvq7QeVfUubdTqg20ZJRA_5_6">2.01</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_XGRMxpScwE-hJGJZXpE0Fw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOutstandingShareOptions" scale="6" id="Tc_Ml51O3fRskCtmKnNuo6jbA_5_8">84</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2018_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_Gqsd7eSGskiEC7cOtODmFQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="Tc_OkpvNL60tECHERPivyIUKg_5_10">2.18</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_Gqsd7eSGskiEC7cOtODmFQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOutstandingShareOptions" scale="6" id="Tc_MkLeEr3tMk6ySJCjJbzKFg_5_12">75</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Granted</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="Tc_VtZBEqh5CESqMArcSgc5_Q_6_2">1.80</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" scale="6" id="Tc_ZXZ6EFt1P02whCjoUyR-tw_6_4">24</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_2_z5Z_6nTkmzWT58itklcw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="Tc_6qOWZmRetUepim2bzIA_vg_6_6">1.12</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_2_z5Z_6nTkmzWT58itklcw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" scale="6" id="Tc_4leiSM38K0OIKFo9tv1R_g_6_8">35</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="Tc_rpZcSR8nQ0eu5rkt1StY_Q_6_10">1.78</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" scale="6" id="Tc_cWpClYilXk-NjPJgeT0fAw_6_12">25</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Exercised</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019" scale="0" id="Tc_bKsucRgvA02bIddER00U_A_7_2">1.76</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" scale="6" id="Tc_FJsLfkPY7UGo2FfWgm3HAg_7_4">10</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_2_z5Z_6nTkmzWT58itklcw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019" scale="0" id="Tc_Gwjd-D27ykGPtnvyBRCDcA_7_6">1.83</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019" scale="0" id="Tc_1gMhiQ9DN02XmNGIb0St1g_7_10">2.83</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" scale="6" id="Tc_88LKOoHp2kuuUzg8PClxIA_7_12">4</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:42.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cancelled</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="Tc_m9rgAuVd4E2IQZVDsDVcfA_8_2">2.02</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" scale="6" id="Tc_AM78qo_RRUeCAGnv3XA7ag_8_4">15</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_2_z5Z_6nTkmzWT58itklcw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="Tc_boaWZgKN9U-6rDyddMksLQ_8_6">2.20</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_2_z5Z_6nTkmzWT58itklcw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" scale="6" id="Tc_c8WIEEGefEKru_HhNUhUlg_8_8">23</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="Tc_qDGVvfRvZkqp9KSP-sfNhA_8_10">2.25</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" scale="6" id="Tc_-t8ptK-AYEeTyK1HyxrDxA_8_12">12</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cV5ddnHWcUO1rRF_CLOxew" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="Tc_jUajy5da_0ep285NfphhTg_9_2">1.61</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cV5ddnHWcUO1rRF_CLOxew" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOutstandingShareOptions" scale="6" id="Tc_ETT5vu5xCUKa6RVHqkB5LQ_9_4">95</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cjNhoh5aOk2WWxsJ7v95_Q" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="Tc_4be_oPR0LUCDffuLc6AXlA_9_6">1.64</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cjNhoh5aOk2WWxsJ7v95_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOutstandingShareOptions" scale="6" id="Tc_2D9s0QvoiU64iMjEYM8VaA_9_8">96</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_XGRMxpScwE-hJGJZXpE0Fw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="Tc_E2otEvhW7kKLQuGU4b_vwQ_9_10">2.01</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_XGRMxpScwE-hJGJZXpE0Fw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOutstandingShareOptions" scale="6" id="Tc_-Unk55pB-0yxU2JsGC7Slw_9_12">84</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Options are exercisable within <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" format="ixt-sec:durwordsen" name="nwg:VestingLifeOfShareBasedAwards" id="Narr_1NVayIAoykiLdxxeCaQZdg">six months</ix:nonNumeric>&#160;of vesting; <ix:nonFraction unitRef="Unit_Standard_Options_85QMC-LPg0uLcqwt_LqfYw" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cV5ddnHWcUO1rRF_CLOxew" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsExercisableInSharebasedPaymentArrangement" scale="6" id="Narr_NtVcG3AmBkKKpiB5LVECmA">6.0</ix:nonFraction> million options were exercisable at 31 December 2021 (&#160;2020 - <ix:nonFraction unitRef="Unit_Standard_Option_faHPFILsxEqeKZSeHrzuow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cjNhoh5aOk2WWxsJ7v95_Q" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsExercisableInSharebasedPaymentArrangement" scale="6" id="Narr_hBT_Aan0-0ucIZSYP9loJg">6.3</ix:nonFraction> million; 2019&#160;- <ix:nonFraction unitRef="Unit_Standard_Option_faHPFILsxEqeKZSeHrzuow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_XGRMxpScwE-hJGJZXpE0Fw" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:NumberOfShareOptionsExercisableInSharebasedPaymentArrangement" scale="6" id="Narr_AiQZGQK0YUyxDXUywpLDCA">3.2</ix:nonFraction> million). The weighted average share price at the date of exercise of options was &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageSharePrice2019" scale="0" id="Narr_ErgBv6znE0-IoGsb5uE1mA">2.19</ix:nonFraction> (2020 - &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_2_z5Z_6nTkmzWT58itklcw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageSharePrice2019" scale="0" id="Narr_bLO43K5jik2AcpNRXSCzWQ">1.57</ix:nonFraction>; 2019&#160;- &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageSharePrice2019" scale="0" id="Narr_06Vw6wxIGkCU2UklVeWMZg">2.49</ix:nonFraction>). At 31 December&#160;2021, exercise prices ranged from &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_RangeAxis_ifrs-full_BottomOfRangeMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_u6GMfgVsHkmzS889OomUTA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ExercisePriceOfOutstandingShareOptions2019" scale="0" id="Narr_jHiY0oeMo0iSF6wilBN3jA">1.12</ix:nonFraction> to &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_s16LHaOZ7E-NBQBtBdg9Qw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ExercisePriceOfOutstandingShareOptions2019" scale="0" id="Narr_3q_dLlSt7kWTV0X6-fVVXA">2.27</ix:nonFraction> (2020&#160;- &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2020_ifrs-full_RangeAxis_ifrs-full_BottomOfRangeMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_odG6NEkzJU-P65NLbPbjvg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ExercisePriceOfOutstandingShareOptions2019" scale="0" id="Narr_ovF1nuQ_kEmlErxhs3cgVQ">1.12</ix:nonFraction> to &#163; <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2020_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_G0fbGCCotEKfwf2Yy7KuUQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ExercisePriceOfOutstandingShareOptions2019" scale="0" id="Narr_uleYR6Z8wkeoe2m0UHYQYA">2.27</ix:nonFraction>; 2019 - &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2019_ifrs-full_RangeAxis_ifrs-full_BottomOfRangeMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_a4OxHDSs-kydVis9KWhyig" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ExercisePriceOfOutstandingShareOptions2019" scale="0" id="Narr_UIoaRjrk0Uy-2MGjrLZUcw">1.68</ix:nonFraction> to &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2019_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_jB2D73i720OZpxgHf7kipA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ExercisePriceOfOutstandingShareOptions2019" scale="0" id="Narr_ZqlVZxb_m0y-75IsAHcH-g">2.91</ix:nonFraction>) and the remaining average contractual life was <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_-nzANL47Ik2wv1QUndvbNQ" format="ixt-sec:duryear" name="ifrs-full:WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019" id="Narr_AHEIp4nxMEWKnyvJ9lFWzw">2.1</ix:nonNumeric> years (2020 - <ix:nonNumeric contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_2_z5Z_6nTkmzWT58itklcw" format="ixt-sec:duryear" name="ifrs-full:WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019" id="Narr_GTYPQcBbsEGDlqyvh5MAMQ">2.3</ix:nonNumeric> years; 2019&#160;-&#160;<ix:nonNumeric contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_78APIFy3ok-9HAGir1mMWw" format="ixt-sec:duryear" name="ifrs-full:WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019" id="Narr_cC1-znpzAkm4gOO9Be1zcA">2.7</ix:nonNumeric> years ). The fair value of options granted in 2021 was &#163; <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cV5ddnHWcUO1rRF_CLOxew" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageFairValueAtMeasurementDateShareOptionsGranted" scale="6" id="Narr_CTV1199b4Eu26MEOv0Ir9w">17</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_cjNhoh5aOk2WWxsJ7v95_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageFairValueAtMeasurementDateShareOptionsGranted" scale="6" id="Narr_fR2dqCkkR0uyGTMrEYihyA">8</ix:nonFraction> million; 2019&#160;- &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_SharesaveOptionsMember_XGRMxpScwE-hJGJZXpE0Fw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:WeightedAverageFairValueAtMeasurementDateShareOptionsGranted" scale="6" id="Narr_lFnOfeufIUCjJs6zVJqvlw">11</ix:nonFraction> million).</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember__d9dXVfklkq7Lf-48xldvw" name="ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory" id="Tb_OZ_c30CABUeRMC6KNWm__A" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Deferred performance awards</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Value&#160;at</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Shares</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Value&#160;at</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Value&#160;at</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Shares</p></td></tr><tr><td style="vertical-align:bottom;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">grant</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">awarded</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">grant</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">awarded</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">grant</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">awarded</p></td></tr><tr><td style="vertical-align:bottom;width:42.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(million)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td></tr><tr><td style="vertical-align:top;width:42.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember_zdU0KOq9GEivNwF8rM_vGw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_puxP91socEOkgZAa-kiFrA_5_2">169</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EquityInstruments_cyLtyAyvm0O0piGNfBAxmA" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember_zdU0KOq9GEivNwF8rM_vGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_KVRB00fFik68QhzYbMf7FA_5_4">77</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember_JykhTgipOkWg5fk7imI4Kw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_RXC_u6TAa0y2_975-pYckw_5_6">196</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_Z0Qa9J-2qEWJTLFjdgTx_w_9_4">65</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember_zdU0KOq9GEivNwF8rM_vGw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_-KlpJmrLHEmrQivhCPIf4A_9_6">169</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EquityInstruments_cyLtyAyvm0O0piGNfBAxmA" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember_zdU0KOq9GEivNwF8rM_vGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_Pvo9t5uSE0umCVPJvuzvbA_9_8">77</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember_JykhTgipOkWg5fk7imI4Kw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_PEwJ_knnlk2YfcRz0csbxw_9_10">196</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EquityInstruments_cyLtyAyvm0O0piGNfBAxmA" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember_JykhTgipOkWg5fk7imI4Kw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_RTXgNuHdDkCKu3_QCdUmJw_9_12">76</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The awards granted in 2021 vest in equal tranches on their anniversaries, predominantly over <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredPerformanceAwardsMember__d9dXVfklkq7Lf-48xldvw" format="ixt-sec:durwordsen" name="nwg:VestingLifeOfShareBasedAwards" id="Narr_0dCUfi83yEefV7jPgUDW3w">three years</ix:nonNumeric>.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_rxQLmrDFjEyA8VmEhAZ5_w" name="ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory" id="Tb_TOLv7GDarE27_HFV444noA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:32.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:32.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Long-term incentives</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:21.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:21.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:21.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:32.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Value at&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Shares</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Options</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Value&#160;at</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Options</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Value&#160;at</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Options</p></td></tr><tr><td style="vertical-align:bottom;width:32.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">grant</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">awarded</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">awarded</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#160;over&#160;shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">grant</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">awarded</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#160;over&#160;shares</p></td></tr><tr><td style="vertical-align:bottom;width:32.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(million)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(million)</p></td></tr><tr><td style="vertical-align:top;width:32.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_Oy-GvRNmQkaUJNmDRpsbRA" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_A8diKWDh4Uq4TJ8aNGKBlg_5_2">50</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EquityInstruments_cyLtyAyvm0O0piGNfBAxmA" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_Oy-GvRNmQkaUJNmDRpsbRA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_hdp4diiSR0eOmU8EVlAiHQ_5_4">24</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_jkHx0Ch2ZUiYmcnq3LTl7g" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_TYfblb13okyFNJNlRL1auA_5_8">63</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EquityInstruments_cyLtyAyvm0O0piGNfBAxmA" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_jkHx0Ch2ZUiYmcnq3LTl7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_PiQJBwHh80uO_nrN19o1bw_5_10">25</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_s5ZF8FjUpkK1czIwfmCXCQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_Z8JxmURpeU2_iXn47-YOEA_5_14">85</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EquityInstruments_cyLtyAyvm0O0piGNfBAxmA" contextRef="As_Of_12_31_2018_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_s5ZF8FjUpkK1czIwfmCXCQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_bedGh0GT4Um_2miMT8iaGg_5_16">32</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2018_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_s5ZF8FjUpkK1czIwfmCXCQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_6lWTzzC2QUCjKYGkmXYpoA_5_18">2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:32.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Granted</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_rxQLmrDFjEyA8VmEhAZ5_w" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement" scale="6" id="Tc_dDQQfSQDAE-6MkuCxPeTTg_6_2">6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_jkHx0Ch2ZUiYmcnq3LTl7g" decimals="-6" format="ixt:numdotdecimal" name="nwg:ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" scale="6" id="Tc_jgfgCpVPtk2eYGKG_6Ms6A_9_14">63</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EquityInstruments_cyLtyAyvm0O0piGNfBAxmA" contextRef="As_Of_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_jkHx0Ch2ZUiYmcnq3LTl7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" scale="6" id="Tc_Js3WoMH64UKaBpx59iuwKQ_9_16">25</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The market value of awards vested/exercised in 2021 was &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_rxQLmrDFjEyA8VmEhAZ5_w" decimals="-6" format="ixt:numdotdecimal" name="nwg:MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" scale="6" id="Narr_qrYCxjLGkEKk7khvtMYmGw">13</ix:nonFraction> million (2020 - &#163; <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_Dl8OUhOF0EGjgqTpevtt4g" decimals="-6" format="ixt:numdotdecimal" name="nwg:MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" scale="6" id="Narr_dzRq8_U8XE2IgHAY0OSmLA">13</ix:nonFraction> million; 2019- &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_HB1A12wkA0if9GoYapithQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" scale="6" id="Narr_vLhB_KPMoEqripp3j_617g">10</ix:nonFraction> million). There are <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_IPuijr4mokqLHJvzWUaMkg" decimals="-6" format="ixt-sec:numwordsen" name="nwg:NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement" scale="6" id="Narr_AMk0zSq4N0ajKuDIorRoag">no</ix:nonFraction> vested options of shares exercisable up to 2022 (2020 - <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_LongTermIncentiveMember_Oy-GvRNmQkaUJNmDRpsbRA" decimals="-6" format="ixt-sec:numwordsen" name="nwg:NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement" scale="6" id="Narr_ZKkGAaYTuk2BxeqJkD-YiQ">nil</ix:nonFraction>; 2019&#160;- nil).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">46</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Bonus awards</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following tables analyse NatWest Group&#8217;s bonus awards for 2021.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfBonusAwardsTableTextBlock" id="Group_IcHZW2G4qkeEXD8ZqMGZFQ" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:72.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Change</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-deferred cash awards (1)&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_NonDeferredCashAwardsMember_4NZXfSJj6EuL1fmxfwh1nw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_BWbubGssIUyRG9QlMQGXSQ_3_2">38</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_NonDeferredCashAwardsMember_I4O1mDU60E6uix85j54IFw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_-5jTErPqc0injuzlq_MzUw_3_4">35</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_NonDeferredCashAwardsMember_4NZXfSJj6EuL1fmxfwh1nw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfVariance" scale="-2" id="Tc_HCwO5AQDlkuJWjP8bLcGyg_3_6">9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred cash awards</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredCashAwardsMember_mwcIw_ARdEieu4Q6P8IDpA" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_3Ogn3wZJ5Uq3U3fo4ySwbA_4_2">214</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredCashAwardsMember_Q-rg2VXvCEuU1EwSa8KYFQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_C30dpqfE3Um4riCP0TjJoQ_4_4">111</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredCashAwardsMember_mwcIw_ARdEieu4Q6P8IDpA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfVariance" scale="-2" id="Tc_TvDXMiaVIkmwCzy2OQB00w_4_6">93</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred share awards</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredShareAwardsMember_NmTj3n87qE-0AJmUddDXmA" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_Qtp9iG_y5k-Tsq-QfRcfhA_5_2">49</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredShareAwardsMember_v28FOJ9BHk2yM6k1B55PNA" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_IcYHI3KbEkq1AkZjyfYtgg_5_4">60</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredShareAwardsMember_NmTj3n87qE-0AJmUddDXmA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfVariance" sign="-" scale="-2" id="Tc_8kqXjR_f00-IXS9KBVLv0A_5_6">18</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total deferred bonus awards</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredBonusAwardsMember_kl1GLPuDzkm82gHTa5Vl5g" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_K3YWr-r5PUeTOqvv0VQm3A_6_2">263</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredBonusAwardsMember_ybXN5FuwKEafeceNiPC-hQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_JRsYGRlkx0yP8y4nJRmBtg_6_4">171</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredBonusAwardsMember_kl1GLPuDzkm82gHTa5Vl5g" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfVariance" scale="-2" id="Tc_2OZloZf0qEKnTNW1VSd3GA_6_6">54</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total bonus awards (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_BonusAwardsMember_p3P_tWqkY0i4cblmodcKbw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_BXM9kjKbBkKjQCXzpPeh0Q_7_2">301</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_BonusAwardsMember_Mqg4UvXdG06t_3hPuLMkFg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_ZsiEGYOCoUS13Kub2BhRaw_7_4">206</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_BonusAwardsMember_p3P_tWqkY0i4cblmodcKbw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfVariance" scale="-2" id="Tc_wGgFcolj2EGwUBzd7NW70Q_7_6">46</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bonus awards as a % of operating profit before tax (3)&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="2" format="ixt:numdotdecimal" name="nwg:BonusAwardsAsPercentageOfAdjustedOperatingProfit" scale="-2" id="Tc_YSg8l_cjPEymhEGT8Xiqzg_9_2">7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="2" format="ixt:numdotdecimal" name="nwg:BonusAwardsAsPercentageOfAdjustedOperatingProfit" sign="-" scale="-2" id="Tc_G_zrnQAqxkqSE6JH0lX9QA_9_4">83</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Proportion of bonus awards that are deferred</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="2" format="ixt:numdotdecimal" name="nwg:ProportionOfDeferredBonusAwards" scale="-2" id="Tc_Gd4sRn7ELkCV3-UBvXWrKQ_10_2">87</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="2" format="ixt:numdotdecimal" name="nwg:ProportionOfDeferredBonusAwards" scale="-2" id="Tc_2YtWZAw13k6_Z8_b5lDIpw_10_4">83</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">of which</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- deferred cash awards</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredCashAwardsMember_mwcIw_ARdEieu4Q6P8IDpA" decimals="2" format="ixt:numdotdecimal" name="nwg:ProportionOfDeferredBonusAwards" scale="-2" id="Tc_C__TdjonJ0uS7xZ2gjEMtg_12_2">81</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredCashAwardsMember_Q-rg2VXvCEuU1EwSa8KYFQ" decimals="2" format="ixt:numdotdecimal" name="nwg:ProportionOfDeferredBonusAwards" scale="-2" id="Tc_pnK43PXc8EK67SevGO82DQ_12_4">65</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- deferred share awards</p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_DeferredShareAwardsMember_v28FOJ9BHk2yM6k1B55PNA" decimals="2" format="ixt:numdotdecimal" name="nwg:ProportionOfDeferredBonusAwards" scale="-2" id="Tc_DyKB5akokUWdq29X46VbFQ_13_4">35</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfReconciliationOfBonusAwardsToIncomeStatementChargeTableTextBlock" id="Tb_fr17fhmv70iWWhGR5hdIQQ" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td 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style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td 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style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bonus awarded</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_MlPJxOh4L0a9cuisibs2RA_3_2">301</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_TGVtqkuWcUizx3rd616zFg_3_4">206</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwards" scale="6" id="Tc_5gcEk9Lf0k2UPPXrse9vDw_3_6">307</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less: deferral of charge for amounts awarded for current year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferralChargesForAmountsAwardedForCurrentYear" scale="6" id="Tc_jmo3JCu8GkmH0r7THbll1A_4_2">99</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLossAwardedInCurrentYear" scale="6" id="Tc_ydQgJl_dPUyN2vIZm1u9Dw_5_4">129</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"> </span><span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Add: current year charge for amounts deferred from prior years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsCurrentYearChargeDeferredFromPriorYears" scale="6" id="Tc_xd8XUnlWuEyx3jDKawzF6Q_7_2">80</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less: forfeiture of amounts deferred from prior years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" scale="6" id="Tc_ZkFkYURhAkmS2bRQ37NyIw_8_2">15</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" scale="6" id="Tc_mHmYqj9M8kuKuI0sEWG0iQ_8_4">11</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" scale="6" id="Tc_ceezXObaV06pBELihrmteg_8_6">25</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income statement charge for amounts deferred from prior years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" scale="6" id="Tc_8qTIz7BEMUuhbI3i1ez0bA_9_2">65</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" scale="6" id="Tc_326X5m6WXkGs8z8qziFLiA_9_4">103</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" scale="6" id="Tc_wQamVmP_60ucsgOEwNNEBA_9_6">102</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"> </span><span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income statement charge for bonus&#160;awards<span style="font-family:'Times New Roman','Times','serif';"> </span>(2)&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLoss" scale="6" id="Tc_Az5T2JH2OkmUUByuH-plEg_11_2">267</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLoss" scale="6" id="Tc_frWVU_hISkKJSFWKRrObzQ_11_4">232</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsChargedToProfitAndLoss" scale="6" id="Tc_T0RbgJEsU0iUS7olqJQEgg_11_6">299</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Non-deferred cash awards are limited to </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember__khlyTXQKE-hga5gIEUs_g" decimals="0" format="ixt:numdotdecimal" name="nwg:CashAwards" scale="0" id="Narr_VYkD_yI7SkqPdMXBxzzrQQ">2,000</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> for all employees.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Excludes other performance related compensation.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Operating profit before tax and bonus expense.</span></td></tr></table><div style="margin-top:3pt;"></div></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfIncomeStatementChargeActualAndExpectedForBonusAwardsTableTextBlock" id="Tb_gf_TnX_Jak6VWsYuwC9FTA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:64.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:64.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:19.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Actual</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:13.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Expected</b></p></td></tr><tr><td style="vertical-align:bottom;width:64.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2023</p></td></tr><tr><td style="vertical-align:bottom;width:64.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">and beyond</p></td></tr><tr><td style="vertical-align:bottom;width:64.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year in which income statement charge is expected to be taken for deferred bonus awards</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:64.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bonus awards deferred from 2019 and earlier</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredPriorYearTwoAndEarlier" scale="6" id="Tc_OL5UOoRgkE-_UNmOMNPSNw_5_2">127</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredPriorYearTwoAndEarlier" scale="6" id="Tc_LgIIkSV3kE2HOOM-4Bkexw_5_4">114</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredPriorYearTwoAndEarlier" scale="6" id="Tc_a4sdgrWjgESSCRUeaf6epQ_5_6">28</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_w65Hx_sPDUa-fh_MplLhCg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredPriorYearTwoAndEarlier" scale="6" id="Tc_P484Qu0gmkufF1yUFz4eng_5_8">11</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_NAqp7yeDtkyudRGA9-rCmg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredPriorYearTwoAndEarlier" scale="6" id="Tc_2IaSZW3_A0G49cZ5OAjnZA_5_10">6</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:64.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bonus awards deferred from 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_w65Hx_sPDUa-fh_MplLhCg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredFromPriorYear" scale="6" id="Tc_sOCfjUqJJkimxQ-r81zO8g_6_8">8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_NAqp7yeDtkyudRGA9-rCmg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredFromPriorYear" scale="6" id="Tc_QAI7JwRTP0KXtlWBASZhRQ_6_10">7</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:64.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less: forfeiture of amounts deferred from prior years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsForfeitureAmountsDeferredFromPriorYears" scale="6" id="Tc_YO9RSvsbCkmKhoMTKyrlpA_7_2">25</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsForfeitureAmountsDeferredFromPriorYears" scale="6" id="Tc_gGt5rmrMHUOtZPN_XiZTmw_7_4">11</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:64.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bonus awards for 2021 deferred</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_w65Hx_sPDUa-fh_MplLhCg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredCurrentYear" scale="6" id="Tc_F5jweE3riUCSvOFLGy-a2g_8_8">86</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_NAqp7yeDtkyudRGA9-rCmg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredCurrentYear" scale="6" id="Tc_y1wxbhUJHEmBKF7wl3k_yA_8_10">13</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:64.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" scale="6" id="Tc_ca_2ukeN2EO6eKIkKt70xA_9_2">102</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" scale="6" id="Tc_g5G8nvOnW0GlYcEJSonTXg_9_4">103</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" scale="6" id="Tc_CFkZuhhiLE6cMfnOer6Gww_9_6">65</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.75%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_w65Hx_sPDUa-fh_MplLhCg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" scale="6" id="Tc_3lmRiE3q-UqOTIzZmApSXQ_9_8">105</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.23%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_NAqp7yeDtkyudRGA9-rCmg" decimals="-6" format="ixt:numdotdecimal" name="nwg:BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" scale="6" id="Tc_oqMd2bbyykiC3-AZHSgQJA_9_10">26</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:4pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">47</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a4Segmentalanalysis_268089"></a><a id="_0f3beddf_4404_409c_8103_ccea89fa8c67"></a><a id="Tc_3XeHwK3aWECuvP7uO44PjQ_1_2"></a><a id="Tc_btI3iu56rEe1Gzebq8QMjA_2_14"></a><a id="Tc_3hclhnQXiUOAZDJGRaHp_A_3_12"></a><a id="Tc_XWW6IEsO0E-JBBs86zZz4Q_3_14"></a><a id="Tc_9sr162Ygykqa-i9WA1OD5A_4_2"></a><a id="Tc_HLTpbkVEo0iQApSP9KUxgA_4_4"></a><a id="Tc_gJqaWvwM4kyscjXgTiKr7g_4_6"></a><a id="Tc_PfEmZa1mWUCv-D86XwAYQQ_4_8"></a><a id="Tc_u1pFU37L_EaALIAyIPOQ3g_4_10"></a><a id="Tc_lJVdTv5r0EG3tV-D-gx-1w_4_12"></a><a id="Tc_4aL_ZW7eJE69xAd7HpI9Qw_4_14"></a><a id="Tc_1DSLNRdQOUSCVggf63zrGg_4_16"></a><a id="Tc_Lam_ivxKYk6Osctj39bg_Q_5_2"></a><a id="Tc__0hyEDYoS0CI5yYkO3oUEw_5_4"></a><a id="Tc_6ZQ-zKH9YkSVvpE-1ZNudA_5_6"></a><a id="Tc_BJvhgEtamEy9Ccw13ll-7w_5_8"></a><a id="Tc_qG0Gt1fDL0eSoKLL1Yvmbg_5_10"></a><a id="Tc_5wuUp63pOk-7qFpx_BhklQ_5_12"></a><a id="Tc_W15Rr-zm-kuCIZ1zyFVTCw_5_14"></a><a id="Tc_xiZcm8AtSk29jzQ6Vk2iSA_5_16"></a><a id="Tc_dp0cqF0fJEq8cBd9_H21jA_5_18"></a><a id="Tc_2A8gHO9cQk2YeHmaDQk1JA_6_0"></a><a id="Tc_VwXshxtd30OSk8yAtzU9Bw_6_2"></a><a id="Tc_TwEZdOJQEEyxEzQ9ltR67A_6_4"></a><a id="Tc_A3N589qVdkK_gp7CJytTCQ_6_6"></a><a id="Tc_LR32-QTFr0uN9QRUHy_l0A_6_8"></a><a id="Tc_8d92Jncx9k-AktjxRHJY-w_6_10"></a><a id="Tc_mLO1Vf4C-kGtpSuh9xt1HA_6_12"></a><a id="Tc_78jA3dW0JkWP6iOkAvDNOQ_6_14"></a><a id="Tc_pI143z3JtkynvleYhlPyLg_6_16"></a><a id="Tc_bATfZa4ZO0KX0AqkPOnG2Q_6_18"></a><a id="Tc_ttDjrJ4rjEaTw4o24YQN7A_7_0"></a><a id="Tc_h9yWFAoSP0-A-FqCYf-rIw_8_0"></a><a id="Tc__yirihs3vUq-uPLz8gbX0w_9_0"></a><a id="Tc_GUGVntSV_kiODPo-UyZQIQ_10_0"></a><a id="Tc_9U9nFqvh302Fi1e9wvGJOA_11_0"></a><a id="Tc_UyyXkZ4hmEmCIwVohiwkNw_12_0"></a><a id="Tc_almvzxsEakWlT_n0HDawow_12_4"></a><a id="Tc_A6HMrxLG6E-JVsrGRv-HOQ_12_16"></a><a id="Tc_vPFdltwHFkywzTRhtSTWlQ_13_0"></a><a id="Tc_h2CbmAwq0Ee3lXMOZYAc4g_14_0"></a><a id="Tc_xZXuOPRCAUGKeX8KbwWHdQ_14_12"></a><a id="Tc_d4uvHyNlhE2KOyldH_OMqw_15_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory" id="Tb_MmexUYNZPEOFsllHItKLUg" continuedAt="Tb_MmexUYNZPEOFsllHItKLUg_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">4 Segmental analysis</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">NatWest Group analyses its performance between the different operating segments of the Group. Ulster Bank RoI is presented separately from the Go-forward group (refer to the split below) to reflect the strategic decision on the phased withdrawal from the Republic of Ireland announced in February 2021. This is consistent with internal financial reporting and how senior management assesses the performance of each operating segment.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The directors manage NatWest Group primarily by class of business and present the segmental analysis on that basis. This includes the review of net interest income for each class of business. Interest receivable and payable for all reportable segments is therefore presented net. Segments charge market prices for services rendered between each other; funding charges between segments are determined by NatWest Group Treasury, having regard to commercial demands. The segment performance measure is operating profit/(loss).</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Reportable operating segments:</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-weight:normal;">The reportable operating segments are as follows: </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Retail Banking</span><span style="color:#5e10b1;font-size:8.5pt;"> </span>serves personal customers in the UK and includes Ulster Bank customers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Private Banking</span><span style="color:#5e10b1;font-size:8.5pt;"> </span>serves UK-connected high net worth individuals and their business interests.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Commercial Banking</span><span style="color:#5e10b1;"> </span>serves start-up, SME, commercial, corporate and institutional customers in the UK.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">RBS International (RBSI)</span><span style="color:#5e10b1;font-size:8.5pt;"> </span>serves retail, commercial, and corporate customers in the Channel Islands, Isle of Man and Gibraltar, and financial institution clients in those same locations in addition to the UK and Luxembourg.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">NatWest Markets (NWM)</span><span style="font-size:8.5pt;"> </span>helps NatWest Group&#39;s corporate and institutional customers manage their financial risks safely and achieve their short -term and long-term sustainable financial goals.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Central items&#160;&amp; other</span><span style="color:#5e10b1;font-size:8.5pt;"> </span>includes corporate functions, such as NatWest Group Treasury, finance, risk management, compliance, legal, communications and human resources. Central functions manages NatWest Group capital resources and NatWest Group-wide regulatory projects and provides services to the reportable segments. Balances in relation to litigation issues and the international private banking business are included in Central items in the relevant periods.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Ulster Bank RoI</span><span style="color:#5e10b1;font-size:8.5pt;"> </span>serves individuals and businesses in the Republic of Ireland (RoI).</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:9pt;font-weight:normal;">Allocation of central balance sheet items</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group allocates all central costs relating to Services and Functions to the business using appropriate drivers; these are reported as indirect costs in the segmental income statements. Assets and risk-weighted assets held centrally, mainly relating to NatWest Group Treasury, are allocated to the business using appropriate drivers.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfOperatingSegmentsExplanatory" id="Tb_1ZraVfE6Akqq2ZFryGDTKw" continuedAt="Tb_1ZraVfE6Akqq2ZFryGDTKw_cont1" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100.13%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p></td><td colspan="13" style="vertical-align:bottom;white-space:nowrap;width:54.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">Go-forward group</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:14.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Central</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">excluding</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Retail</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Private</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Commercial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">RBS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#160;items</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">International</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Markets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&amp;&#160;other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Bank RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Bank RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_MyJrj3OiOEimua7UGwtp9A_8_2">4,074</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_ajYtuzALvEC-6ED30OoUGw_8_4">480</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_N6omKUq5-kavGIljQY_IxA_8_6">2,582</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" 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style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" sign="-" scale="6" id="Tc_76cxrLxI-U6fg6MmIddLNg_8_12">14</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_H0a-ONpLA0e9pPS54eCBIA_8_16">100</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_C45hEciRREu4bhcsmofxcQ_8_18">7,614</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net fees and commissions</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_k1SntREy2EGCjS9kI2wZLA_9_4">258</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_MSD7n0I3c0q0T-sTyGp5Ew_9_6">1,158</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_3pJ6v9jFD0ibrUMdf0nSfQ_9_8">124</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_IZwH5s1BlEW3w57HH_xH-A_9_10">158</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" sign="-" scale="6" id="Tc_r3btxNejCUa2GYGWr74WrA_9_12">16</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_puX9Awfzgke6S8UHEL_Zqg_10_4">78</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_JdA51tC2bkiyJCLiP9D0wA_10_10">248</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_hB_SJiUuIUCw8ifUVckyhg_10_12">215</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_ND3prUMkoEiApnMt5j8azw_10_14">711</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_-4bjyILwqUynp7Vt1o1VZQ_10_16">63</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_Bpjqtz4KpU-l1l8GeqNW3w_10_18">774</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> 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contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_Lsf63Rl7PUKMldHgKzUhEQ_11_8">548</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_B1ho6SNjsEG8xEIJBTUz9w_11_10">415</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_RGT-jflOKEartn0ooCtpKQ_11_12">185</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_pp2JDtpf9kC0igrX8_2NRg_11_14">10,284</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_UKHMuu8wTk6xKWx4B5EaNw_11_16">228</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_w5hfXZoaUU2uHqqanxSqqA_11_18">10,512</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:30.06%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="Tc_9kUK9siOPEWN7NaGoIQYFA_12_2">85</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="Tc_oa8rsmehUUS9Y9gc8PsY6w_12_6">146</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b 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style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DepreciationAndAmortisationExpense" scale="6" id="Tc_0G3q-n8Fd0iqcKlYV2f2mQ_12_10">14</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingExpenses" scale="6" id="Tc_IJmZWMBUIEmeNBXtKoNDtA_13_4">520</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingExpenses" scale="6" id="Tc_ws_XenIJNUS4UPuEvEnn2Q_13_6">2,208</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingExpenses" scale="6" id="Tc_HryCwjFSgEqSYS1sxkI3Qw_13_8">229</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingExpenses" scale="6" id="Tc_sDVe02dW0k2qenBRPD-x1g_13_10">1,147</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingExpenses" sign="-" scale="6" id="Tc_6lpYWXsdGEmrYq0OrPZo9Q_13_12">179</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingExpenses" scale="6" id="Tc_fBKgtqapFEqMA0gKS5ONIw_13_14">6,353</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_CBmeOQIiuUq92UrS9DJ42A_14_4">54</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.76%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_ifll2aR0_0W5WFz14Hxr_Q_14_6">1,073</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_bQJuGPTRzEqmLsWnLP6vXA_14_8">52</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_3CiVRETIAkO3ZJMZteUjYA_14_10">35</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_oDV-4iLnrUuEvOKOidynEQ_14_14">1,250</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.65%;background:#f2f2f2;border-bottom:1px solid 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style="vertical-align:bottom;white-space:nowrap;width:1.23%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_xcpd1mL2R0iUYRnxkw2WNA_14_18">1,278</ix:nonFraction></b></p></td></tr><tr><td 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style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">48</span></p></td></tr></table><p 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id="Tc_1Xpl7Ov17UCoZCpYnLLAeg_21_0"></a><a id="Tc_Om-gUyhshEeIM-uNavJv7w_22_0"></a><a id="Tc_Mpi4W9W-NkyBrAB3hwbxKQ_23_0"></a><a id="Tc_cYYS7xs7rEyrntQJZXjCCw_23_18"></a><a id="Tc_g88Kb06XZ0GpAi09GyNNfw_24_0"></a><ix:continuation id="Tb_MmexUYNZPEOFsllHItKLUg_cont1" continuedAt="Tb_MmexUYNZPEOFsllHItKLUg_cont2"><ix:continuation id="Tb_1ZraVfE6Akqq2ZFryGDTKw_cont1" continuedAt="Tb_1ZraVfE6Akqq2ZFryGDTKw_cont2"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">4 Segmental analysis continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="13" style="vertical-align:bottom;white-space:nowrap;width:51.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">Go-forward group</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:13.86%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">excluding</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Retail</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Private</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Commercial</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">RBS</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">NatWest</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Central&#160;items</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Ulster</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Ulster</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">International</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Markets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&amp;&#160;other&#160;(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Bank RoI</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Bank RoI</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020 (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_fleEdIctMUex5_PrIxgXmA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_MQSAfPWUFk21f7wzn5yHfg_8_2">3,868</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_NKRa9VyndUGmKkzDb6zS_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" sign="-" scale="6" id="Tc_kTGD38lot0-wG7ix3WD0iQ_8_12">57</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;margin:0pt;padding:0pt;"><p 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format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_mgJbjskCrU2xApWDzWBXfw_9_2">379</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_zMtdN_ufI0aopRweLsPbzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc__6EGbqpHyUK5WSsy0IDzvA_9_4">257</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_Qlcx2YQ0p020NgSGM8oxVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_sb5K-Vcp4k6uqGmZ9y-PtQ_9_6">1,110</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_6WdXrYKcCk2wUG39Ia5GTw_9_8">94</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> 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name="ifrs-full:FeeAndCommissionIncomeExpense" sign="-" scale="6" id="Tc_osa1cjiAwECZGSc_BxD8IA_9_12">16</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_PrBJMCE7mkq1DpPhNG62lw_9_14">1,923</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_rP67FU9h6Eayv5TIYNO9Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_CJYCKnEX40G7ThTQPGrmpg_9_16">77</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_31YrNopFg0-squTxffOF9Q_9_18">2,000</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_fleEdIctMUex5_PrIxgXmA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" sign="-" scale="6" id="Tc_ch9RqUkfGkixlWVW-2OhCQ_10_2">66</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_zMtdN_ufI0aopRweLsPbzQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_ZXNFuBsx3kCVB_7NAzF1gw_10_4">17</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_Qlcx2YQ0p020NgSGM8oxVw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_HAcKYfQzLES5ODQsi09_JQ_10_6">108</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc__wtu6ltFdEmpSuBNJC2J3A_10_8">32</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_25ANkqBtIkm9QPY8ljbzZA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_UANLqPmghk-8sX4gewOeew_10_10">1,081</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_NKRa9VyndUGmKkzDb6zS_w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" sign="-" scale="6" id="Tc_a4V_fhbXGEisW5Ds900nTA_10_12">163</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_oUz6tVGRq0Wo2Ys56c6W2Q_10_14">1,009</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_rP67FU9h6Eayv5TIYNO9Cw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_9wdAkiwchkaHhFOnlvFgbw_10_16">23</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_RJC6nne9skyx_hVcrl_P0A_10_18">1,032</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_fleEdIctMUex5_PrIxgXmA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_iShMJuAOg0yAMUrtoW4n4g_11_2">4,181</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_zMtdN_ufI0aopRweLsPbzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_y3soCwoQPEWr7dEjX6Ss9w_11_4">763</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_Qlcx2YQ0p020NgSGM8oxVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_2nZQ0ifdY0SQ30lOncaVeg_11_6">3,958</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_J_-vHf3EFUyvb1i6P4YyEg_11_8">497</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_25ANkqBtIkm9QPY8ljbzZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_QNFgW6_eE0O-Xd6ndflL6A_11_10">1,123</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_NKRa9VyndUGmKkzDb6zS_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_IJo-zKT2cUaR93SXp7zVag_11_12">236</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_yRqLpxX0AUqNPCGlqbmf4w_11_14">10,286</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_rP67FU9h6Eayv5TIYNO9Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc__mOZjDR_UkaH8Ugcyfsxkg_11_16">222</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_heHbUeOWIkK2v_ndRfGHCg_11_18">10,508</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:32.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_IC6lqkzSaUeD5txTCCUl9g_15_8">99</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:6.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_IDsNguf5vUmkzMaDG6Dx1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_POAJyT4uOECn2V5njwSPOQ_4_4">226</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_z6Oi0NoG7UWIdN4TH5NgYg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_fHB9mjNJ9Eyy51I-d8E2yA_4_6">1,312</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember__IkmhdyvskOONDLo7Yai7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_wpYBXz3zt0CGCRE_PqqeLQ_4_8">106</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_3DoUi07gcEqsVhOMXV9tLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_1EHofGjzyU-Ya6kzB81m7Q_4_10">85</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_x_F4Jmx_5kejMpljg1FE_g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" sign="-" scale="6" id="Tc_d3ssX0pSYUiX-WR_UG2Jcw_4_12">23</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_7cWvEFJIqUq8bGV1CH_SPA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_nmfse9c6OUOY6tYndBXKIg_4_14">2,402</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_aSK3KZZ-h0y6qU-16WBH-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_EoEEpkqZWEiGj6vUdzCDvg_4_16">95</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_oHi1eN8lVk68HwG4agkbjQ_4_18">2,497</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:32.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_l0GAuEmrtk6CzqQ89waYMg" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_NfkO6LDHtU26pHAXIDGOeg_5_2">40</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_IDsNguf5vUmkzMaDG6Dx1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_vILvIOGTwkCJW-sagkrwkg_5_4">30</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_z6Oi0NoG7UWIdN4TH5NgYg" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_F_J-OQYIjEGhVMBZyUbjRg_5_6">164</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember__IkmhdyvskOONDLo7Yai7w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_qEXDTkIM70-bV3fusDO9Uw_5_8">26</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_3DoUi07gcEqsVhOMXV9tLg" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_xgPlQO-FEEyer1HeEVXlsw_5_10">1,445</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_x_F4Jmx_5kejMpljg1FE_g" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_sFFa4LzF70SZ5neRLB9zMg_5_12">1,932</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_7cWvEFJIqUq8bGV1CH_SPA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_rEivPnelSkKYhIqDHmJuQg_5_14">3,637</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_aSK3KZZ-h0y6qU-16WBH-Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_azbQrxDPhkmytCZlwBlffw_5_16">54</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherNonInterestIncome" scale="6" id="Tc_GnitmHFzlUu2TXbr_hNr5g_5_18">3,691</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:32.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_l0GAuEmrtk6CzqQ89waYMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_5mhJ6VnQS02EqDSVzouMpw_6_2">4,866</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_IDsNguf5vUmkzMaDG6Dx1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_pqhgSze9_EGSTDff4DJZ2A_6_4">777</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_z6Oi0NoG7UWIdN4TH5NgYg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_MNsl_oxtQEaqka2dyUmiZw_6_6">4,318</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember__IkmhdyvskOONDLo7Yai7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_vIMP5eIGkUWV_qIPYTX9Fg_6_8">610</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_3DoUi07gcEqsVhOMXV9tLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_5KW1uCBZT0qN1p-pwZadAQ_6_10">1,342</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_x_F4Jmx_5kejMpljg1FE_g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_5HXumIEUKEils7afIKYlMg_6_12">1,773</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.23%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="17" style="vertical-align:bottom;white-space:nowrap;width:66.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Total revenue (2)</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="13" style="vertical-align:bottom;white-space:nowrap;width:51.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Go-forward group</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Central</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">excluding</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Retail</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Private</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Commercial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RBS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">items &amp;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">International</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Markets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year ended 31 December 2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#163;m&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_4jnPemORJUygsiarnuRUow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_LjwSIiE9jEKH8WkkDNXr_w_9_8">594</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_mO5tursTBkiZS3gEzClBcA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_Ac2NCf_mJ0W92nIgAO93Bw_9_16">297</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_EVYHGVDR1EqCUpk4gF6zmQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_GWf_P-0xzkG8-WBb31R8PA_10_2">14</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid 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format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_6hC_EZE3PkSqrUkF1WFr3w_10_10">30</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_arOeSDS4VUyzSwhE9wkHsw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" sign="-" scale="6" id="Tc_ekuAg2fmgkiWoSB_EkafVg_10_12">265</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_GpQtQbaUEEONJp5xxWXKRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" sign="-" scale="6" id="Tc_p7LBm1cmsEaPr8jV-rcMmA_10_14">1</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:31.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">Total  </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_ATAlpkwcmEueup3uUtp_mA_11_4">919</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_sKcFMqoalEuQhd6652dOWA_11_12">844</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_DPNzUHtI_0CJokkVW_rJWA_11_14">12,487</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_rXGOzfnzpUCdoNGogDh4Yw_11_16">298</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_wjOlutI5N0a_zTOeeAK6yA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_bs3SKkG0HUGTev0My5BPgw_16_4">163</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_FCd1M20_30eaIzxChBrreg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_B7S9ny5gPEWO2HZONBQfnw_16_6">64</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_dZzj1XYVWU2TkBRCq5CCFg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_qMjv6nK1vUeG9sRVxREYtA_16_8">3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_NgdiWdo_AkK5x8p3byfRyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_8L1KY_s8aECxUMTgKZB3pQ_16_10">13</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_3QXc1BY49k6vDULhTMwk6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" sign="-" scale="6" id="Tc_A-5HQAL4PUWWFgNnJXHt6w_16_12">284</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_xjjTZV5GO0yjHY8NWuXPVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" sign="-" scale="6" id="Tc_Kc9ziC9zpUaV1WYI1QpUBw_16_14">2</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_WYJxqVRoJUCg__8O1iaAsw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_8WlJoqqfgkaQ2PvUtEesLA_16_16">2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_fleEdIctMUex5_PrIxgXmA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_tYP1QPfQGEKHY9IMTJyTBA_17_2">5,425</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_zMtdN_ufI0aopRweLsPbzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_qE5L6vShnU-bnn9381xsFQ_17_4">865</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_Qlcx2YQ0p020NgSGM8oxVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_zSSXj7lSREWwSNRfpDhmig_17_6">3,798</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_sqVdNLyjIEG5T-7eFnrpJw_17_8">508</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_25ANkqBtIkm9QPY8ljbzZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_yfd0G7Ht5U-xBwUjNIAvuA_17_10">1,997</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_NKRa9VyndUGmKkzDb6zS_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_-xTLkk3VzkGWfQc_VhF-Ow_17_12">677</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_D55FX-vJ-UOv7hg_RceIcA_17_14">13,270</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_rP67FU9h6Eayv5TIYNO9Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_0GrQj9A4kUiOF3s5eZsGiA_17_16">282</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_Hm-WPhWZNkG0WhfMPhBaZw_17_18">13,552</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Year ended 31 December 2019 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">External</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_ZrDplrsxR0SE9v-h2Qd3zg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_qnQlS4SzW0KIFRH2UuJH_Q_22_2">6,161</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_g5Kito_GX06qJzuJOYJizw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_0IAQWgSSTUmSiXzUQBwI-Q_22_4">703</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_WlEA5xKCMUW-kFjYjyqdWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_ZtRwxN6K0kS9D39D2sV-Yw_22_6">4,347</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_TOAWSoEu4ky5FiIbn_Qm7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_As37A3WL20aUbUz0OkccuQ_22_8">639</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_6RRNwJSIPke7ZtTv_DW3VQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_EVqRffdjrUC-U4CAtJYULw_22_10">2,516</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_WO7ycjU_EE-l9niqK0cSPA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_Jvj2ySdwfEemiaZfbfpu-A_22_12">3,447</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_opaRHXexkk-VY4YTRfQAvQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_yYfjLwZW906plaPW8uCP2A_22_14">17,813</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_5VsliqJElEaTtbfUsaNeZw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_SyV0U5wKDkajz3wFvlF4Rw_22_16">350</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_BVpvsvM5F0qtT9aw7dl-Lw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_3jqAvGFDSkKIB-9ABzettQ_22_18">18,163</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Inter-segmental</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_rJSrvDxqCU6NBoqRm7C98g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_3HfbR9e8YUSCK0sddhBnBw_23_2">62</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_g7SGbmr2Gk6COBkWbje1tQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_hkTGhrwZ2Eyv4i9tt5ZbvQ_23_4">241</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_pq57Bp3hvkmgnShxAWxGTA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_mjEZTP0Om0W3yGpKFzbWYw_23_6">139</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_LPX_rssIP0Kps0EnOQptRw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_SZxHA7ZvsUKbLKD_cL857A_23_8">19</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_vdL1Ou0EVEm1jBXmwoXNog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_s2V7DBiJQE-65cTyOcbUBg_23_10">558</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_meECGK0cqka7QSabSHPaDQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" sign="-" scale="6" id="Tc_ZBRS35K2HkKeM7Fb5-L-1Q_23_12">1,025</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_HEcEqeFvTU6hoXmgf_5uIw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" sign="-" scale="6" id="Tc_8-Il9dBwnUSQyL01kZQ52w_23_14">6</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_PMMaIWDAWESKNKqvyD5OXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_nUyjkjZ8F0OMKegqmqhnnQ_23_16">6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:31.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_l0GAuEmrtk6CzqQ89waYMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_yeVsOoxkUk6-8nVK2hDGGQ_24_2">6,223</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_IDsNguf5vUmkzMaDG6Dx1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_oJ2NjKWTdUGOvcv0gp9erA_24_4">944</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_z6Oi0NoG7UWIdN4TH5NgYg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_eWdMNyFNrkK05IzHxpErbQ_24_6">4,486</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember__IkmhdyvskOONDLo7Yai7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_rt5YJtF69U-OAEObMchBaw_24_8">658</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_3DoUi07gcEqsVhOMXV9tLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_yn0nFrIYOUG8v6jLAae4Eg_24_10">3,074</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.49%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_x_F4Jmx_5kejMpljg1FE_g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_Xga7RcF9H06Kmrr0nVQWvw_24_12">2,422</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_7cWvEFJIqUq8bGV1CH_SPA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_V1Fm-sBjJkm3B2HS52Kkaw_24_14">17,807</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_aSK3KZZ-h0y6qU-16WBH-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_dho4PbO1c0GjdL3RfYmf_A_24_16">356</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_1CsoOZV9-UWAZWIj_8Ch5Q_24_18">18,163</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Total revenue comprises interest receivable, fees and commissions receivable, income from trading activities and other operating income.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:continuation></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">49</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_83daf1a7_86f6_4287_b4c3_a71086417fbf"></a><a id="Tc_o801IhOG5Uig7Pzs8ug1PA_1_2"></a><a id="Tc_0ieqp-haA0SeWjn4nCDqPQ_2_2"></a><a id="Tc_iFt3qyelUUK7F7niDDj5Jw_3_14"></a><a id="Tc_M1BDCqh9ZECeAdyGdLqx2g_4_12"></a><a id="Tc_7C22PRMtkkCevuTyVjng4g_4_14"></a><a id="Tc_asp-g-dElEmzAcLD61Mobw_4_16"></a><a id="Tc_XuICbHf200KWMtWPNWK_zQ_5_2"></a><a id="Tc_FCQYc41weUizuMgjt1hFUw_5_4"></a><a id="Tc_pz3L8XFDQkyo861275DGYQ_5_6"></a><a id="Tc_GA2o-5GypUC--yDz7nNjhg_5_8"></a><a id="Tc_ayP-sDszfEWmytiCYe9ETg_5_10"></a><a id="Tc_3cmh3M7QRUyhO9mmBnjDPA_5_12"></a><a id="Tc_j_fduGry1kGZmMZQ_Vt93A_5_14"></a><a id="Tc_5Uk4MSv2ukq94zWvAjoMDQ_5_16"></a><a id="Tc_6g1Bdh-i7km5JzTs_F-gTQ_6_2"></a><a id="Tc_61cCSMqnM0-Xukb3LBKcvg_6_4"></a><a id="Tc_6_tkk_kyG0K9mE5jnCnS4A_6_6"></a><a id="Tc_BXzUdf9iWUauTXsyODcUVw_6_8"></a><a id="Tc_3jRlJMFIckiNLXE3ZloULQ_6_10"></a><a id="Tc_h-wTPFtlYUetivuLfHDsuA_6_12"></a><a id="Tc_nG53co9_O0yvcbZvir5MOA_6_14"></a><a id="Tc_zuf9aP6d4EyQYHMrDACQVg_6_16"></a><a id="Tc_LkgbKqDu70O8XUV3QJAVPw_6_18"></a><a id="Tc_RzJ3NUb-HkSoOQBzcZX7bQ_7_0"></a><a id="Tc_GfJifMi-2UebH_rtPrttvw_7_2"></a><a id="Tc_Pi8btITbsk6DCWTuZ8RDmQ_7_4"></a><a id="Tc_kep1PyGYxkSZXuBX3jQ3JA_7_6"></a><a id="Tc_7xObtAa6gUGHY4O5TWCVdA_7_8"></a><a id="Tc_JwnHjWx_FUm6_a-rnMgWDg_7_10"></a><a id="Tc_fbdUcXczx0KJmDZSTZg4Ew_7_12"></a><a id="Tc_MsN9M_Lykk-ED47-xi6PuQ_7_14"></a><a id="Tc_tsGZzsDMQkKcb0m_DJg1Ww_7_16"></a><a id="Tc_5G4AwV-EdEmyG5FzWqRGdg_7_18"></a><a id="Tc_98ozkko5mUu_ELXjP8C2zg_8_0"></a><a id="Tc_si29oQzI4UK1fAMmrAygJA_9_0"></a><a id="Tc_ZtTuZy45qE2PoSOxZKW2FA_9_12"></a><a id="Tc_CU3CsnGehEecSOR30hylSA_10_0"></a><a id="Tc_GJmrDD197Uinwan_CCEnfA_10_8"></a><a id="Tc_pMCii7k0T0KnppRzZmrkPg_10_18"></a><a id="Tc__bsvYZPLiE6mjM4macLPQQ_11_0"></a><a id="Tc_ff_NOv3zTEKHUcpmuwMAVg_13_0"></a><a id="Tc_EGablWKVdEuQhkWaeMbgvg_14_0"></a><a id="Tc_kAtwGEQ_1EGsnI1I10asYQ_15_0"></a><a id="Tc_JcCiHLUFvUOtwC2hOHpRiw_16_0"></a><a id="Tc_s5hPqNdz40SYjWNzYX_QiQ_16_18"></a><a id="Tc_hUfsAd3h2EWE3MHc8psFJQ_17_0"></a><a id="Tc_XWT3CjGW5EmyDOVMzcW9Zw_19_0"></a><a id="Tc_kQrdr1mvn02y65iUojrDDA_20_0"></a><a id="Tc_lXDoYNNQF0Oncm3RjlzfEA_21_0"></a><a id="Tc_rEFa6G_-P0yddQB3n655EA_22_0"></a><a id="Tc_Pz8wqBtdVkeY23blGxXRQg_22_18"></a><a id="Tc_WqCd8gbTI0KsMcmpU_OiWg_23_0"></a><ix:continuation id="Tb_MmexUYNZPEOFsllHItKLUg_cont2" continuedAt="Tb_MmexUYNZPEOFsllHItKLUg_cont3"><ix:continuation id="Tb_1ZraVfE6Akqq2ZFryGDTKw_cont2" continuedAt="Tb_1ZraVfE6Akqq2ZFryGDTKw_cont3"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">4 Segmental analysis continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td colspan="17" style="vertical-align:bottom;white-space:nowrap;width:66.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">Total income</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td colspan="13" style="vertical-align:bottom;white-space:nowrap;width:52.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Go-forward group</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Central</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">excluding</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Retail</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Private</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Commercial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RBS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">items &amp;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">International </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Markets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year ended 31 December 2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#163;m </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#163;m&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">External</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_SJ7YKpWNGka3pbENrNyAtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_YqUj5Z0rnEW9--3TzWBPeg_9_2">4,433</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_XsLN0OgzwUiIxhkEaTOFtA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_s_ucnUt-xEOpChn5zy1rJg_9_4">801</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_T7i4AEfwr0yw3xGyRWo-cg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_VXWtkdEUykeKuPy_bArHRw_9_6">3,939</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_4jnPemORJUygsiarnuRUow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc__ZwXJLXTa0G1Z_l1xItr8A_9_8">548</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_qxSz2iFy1Em2MaZm-WX2xw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_I9mt2z1XRUC3-J9hWaw_bQ_9_10">554</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_jwx4S_EQz0mKf5OhKesvmQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_ityI2cZk50eqoJxgJCFnwQ_9_14">10,275</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_mO5tursTBkiZS3gEzClBcA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_gRmo-fbMhUCJUaC6RFdRXA_9_16">237</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_cG_qE8B6_USNk1hg_6s5NA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_UPSKz8mY4UidLZ2pcKCbQg_9_18">10,512</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Inter-segmental</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_EVYHGVDR1EqCUpk4gF6zmQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_GcEgkVH9k0OPVOptZv1qMw_10_2">12</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_PON6EtTfGUuOhGI9TmwWyw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_VJS1aQBDW0KvtGLi8dFksw_10_4">15</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_rzhHqqUzDEWLUjG8NKNT4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_b9BMPRsdoUWg0OaznFjySw_10_6">64</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_QnRP8FoBd0u_KgA4anmQ5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_MKny-QRz9kG5TYivDUpNQA_10_10">139</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_arOeSDS4VUyzSwhE9wkHsw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_0kLADHIKc0a2_98zAxm1eQ_10_12">185</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_GpQtQbaUEEONJp5xxWXKRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_9hRXoK7GPkC7uQICOwjb6A_10_14">9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_F1oz5oeQEUqjCnWKdeS1Yg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_PlcdpB7PrUiq-g_qEUVHnQ_10_16">9</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">Total  </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_tTbf0WOaq065-lgp28cieg_11_2">4,445</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_2kfZ2Kc8SU-aIUyUdZlzLg_11_4">816</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_Ws3HEE4etUeWyG-qu076EA_11_6">3,875</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_u81XXXiWDEGRMmZGeyqgyw_11_8">548</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_tPKyCKr_oUa2uuDxmGFnRw_11_10">415</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_69JAKoSo1UK2KZa-ME4mig_11_12">185</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_wm5oeRtBnUiaf619h26Z1w_11_14">10,284</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_WS1Z110wBEqm2UocZDgGfg_11_16">228</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_Lj4jSXwsJEqSWc24ETwKpA_11_18">10,512</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Year ended 31 December 2020 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">External</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction 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contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_H81r4n5RoEa-_3FpaarKoA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_bgj1Gt1TlE6qPrxUemkadg_15_4">700</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_afhuu9K9u06GZzDM2oX8eA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_uWzysBWzhEmRPHTmN5WVrg_15_6">4,065</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_5-m8yYEJ_0-SRcIlfDKd4g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_AaJCbIJvakGYkr-VtJfhkQ_15_8">500</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_291JOUY7SUa5-zqA3EMHaQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_0L39Qhg3IUeRtEgjVXXeog_15_10">1,395</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_sU-A8WC0jEC4hAnysFf7cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_FomILQNfsE-pGMcQPvyEzg_15_12">537</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_QKpSNp0fTU6tE7UQZQzemg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_-b9-faIh10WUL9JZOPWTAQ_15_14">10,280</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_RCeipCUXsEaxgOMKElp50g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_C56wD1ChaUmU3oV5pNrFnw_15_16">228</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_QbLOgfnYEkOtUUW2dvmHbA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_zprs_oceP02eUU942j7Bdw_15_18">10,508</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Inter-segmental</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_Reekztx1mU6QfJSSh_EiiA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_QqVE_3Jeok-9_vT6G2Lf6A_16_2">24</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_wjOlutI5N0a_zTOeeAK6yA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_ToM611zrCECNN2saQCdaOQ_16_4">63</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_FCd1M20_30eaIzxChBrreg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_SJ4uZKMrtE6jwDQYB6iAzQ_16_6">107</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_dZzj1XYVWU2TkBRCq5CCFg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_3wMSKx5t4U2CVoegkP4BCQ_16_8">3</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_NgdiWdo_AkK5x8p3byfRyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_HomlO-p6FkGWpDGskeZ8kw_16_10">272</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_xjjTZV5GO0yjHY8NWuXPVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_Ec9rOddKIUWJ02Bez0Lf0w_16_14">6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_WYJxqVRoJUCg__8O1iaAsw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_IkrAap-F4Eq_D1AnCaTeIQ_16_16">6</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_fleEdIctMUex5_PrIxgXmA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_mYMxqqHsHEGjqd98DOGHAA_17_2">4,181</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_zMtdN_ufI0aopRweLsPbzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_u44trkraYU6hVyDpe4I4bg_17_4">763</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_Qlcx2YQ0p020NgSGM8oxVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_cuNxOzOJwEuR1RLxSTVmNw_17_6">3,958</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_E1FM1tTpVEmEvZehFQ4GGA_17_8">497</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_25ANkqBtIkm9QPY8ljbzZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_qqahXjD_c0WLqt5aTqo4YQ_17_10">1,123</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_NKRa9VyndUGmKkzDb6zS_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_8GSmjzMTiU-kh9lfBTShpg_17_12">236</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_nA50DFLN20SuXIA74kUW_A_17_14">10,286</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_rP67FU9h6Eayv5TIYNO9Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_IId5_aJMjkSlmrCmTXH1ew_17_16">222</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_aUqBjX92REeauyC1p02dvg_17_18">10,508</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Year ended 31 December 2019 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">External</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_ZrDplrsxR0SE9v-h2Qd3zg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_L-GdnPlq3ky5cHXuC5IvCQ_21_2">4,834</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_g5Kito_GX06qJzuJOYJizw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_thd-b0VZ3UmyyhUpBXdXGg_21_4">631</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_WlEA5xKCMUW-kFjYjyqdWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_HoQy1GppSUyy8PKdiXtDUQ_21_6">4,814</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_TOAWSoEu4ky5FiIbn_Qm7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_eqCq5LtFK0CyJfCSASh4DQ_21_8">603</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_6RRNwJSIPke7ZtTv_DW3VQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_lXW_imMqZ0mQmu6WIeNO-g_21_10">1,664</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_WO7ycjU_EE-l9niqK0cSPA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_T9WyFA0H8UmTL19s51L_Kw_21_12">1,145</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_opaRHXexkk-VY4YTRfQAvQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_Rp-QQUN7dU6eaY8gf_gtDw_21_14">13,691</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_5VsliqJElEaTtbfUsaNeZw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_FX3kvqVujU6cJmtxL-_bSg_21_16">296</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_OperatingSegmentsMember_BVpvsvM5F0qtT9aw7dl-Lw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_8zEu1rQsk0eACkIcgROFMg_21_18">13,987</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Inter-segmental</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_rJSrvDxqCU6NBoqRm7C98g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_N9hR2mulBkCRW86IAjqrFA_22_2">32</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_g7SGbmr2Gk6COBkWbje1tQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_ACGp1IIWI0WTXvtrv5uGpA_22_4">146</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_pq57Bp3hvkmgnShxAWxGTA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_NlBX-ygjiE-XNmYkA_Y5Bw_22_6">496</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_LPX_rssIP0Kps0EnOQptRw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_LD7fsDYTJUu1fUeWav9Bxg_22_8">7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_vdL1Ou0EVEm1jBXmwoXNog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_seVtbxlu1ke-CE8QJQqa7A_22_10">322</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_meECGK0cqka7QSabSHPaDQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_80z_0sq8JUOuXC7WbmrnTg_22_12">628</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_HEcEqeFvTU6hoXmgf_5uIw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" sign="-" scale="6" id="Tc_FDU6JQ-ZNkep-xUbRodQAw_22_14">5</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentConsolidationItemsAxis_ifrs-full_MaterialReconcilingItemsMember_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_PMMaIWDAWESKNKqvyD5OXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_XipZfStMZUmXM1Heo2lGNw_22_16">5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:32.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_l0GAuEmrtk6CzqQ89waYMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_rwcIbI4ZHUy8Q0PfQei1zQ_23_2">4,866</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_IDsNguf5vUmkzMaDG6Dx1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_XvjcbfACWESXihVpY8LYfw_23_4">777</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_z6Oi0NoG7UWIdN4TH5NgYg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_I5PVh9-sc0eBxPGVNbkSVQ_23_6">4,318</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember__IkmhdyvskOONDLo7Yai7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_5legFfUQh0CC3-J5h5J47g_23_8">610</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_3DoUi07gcEqsVhOMXV9tLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_sGOCsYIWUEyF8qS1VSMuog_23_10">1,342</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_x_F4Jmx_5kejMpljg1FE_g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_0I5DHcWbcUWWK7lBOH1-pg_23_12">1,773</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_7cWvEFJIqUq8bGV1CH_SPA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_QMoi6bXVUUCsCsqgWl4APQ_23_14">13,686</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_aSK3KZZ-h0y6qU-16WBH-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_03KVYaSFRkuPfAPM7Id7Fg_23_16">301</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_JNs-jFn3ikejjY6HXD55xg_23_18">13,987</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><div style="margin-top:3pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:continuation></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">50</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_9923c5fb_3c06_4de1_8f8e_b90c027bcaf9"></a><a id="Tc_4RzJpuRBkky5XDO58sbXCQ_1_2"></a><a id="Tc_vKXlxKZhO025sUlC53Xfkg_2_14"></a><a id="Tc_0h8zGC9nIkWpolYRLLMWTw_3_12"></a><a id="Tc_EVd7DGjuJEuAjIvWaBaC-w_3_14"></a><a id="Tc__oDO9YCWgkiygWTdHOdryA_4_2"></a><a id="Tc_WZxAcqc2hUGrzRRchLsY_A_4_4"></a><a id="Tc_ReQncwnj3kaZWwpmYEXMmg_4_6"></a><a id="Tc__caecfS10EGlODJVJ8hyZQ_4_8"></a><a 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style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">4 Segmental analysis continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:2pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Central</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">excluding</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Retail</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Private</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Commercial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RBS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">items</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Analysis of net fees and commissions</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">International</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Markets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&amp; other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Bank RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Fees and commissions receivable</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">- Payment services</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="nwg:PaymentServicesProviderFeeAndCommissionIncome" scale="6" id="Tc_7TJG_SYZa0Spu2klMPghzg_9_14">918</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:PaymentServicesProviderFeeAndCommissionIncome" scale="6" id="Tc_d1r3DM8B1UurEa1aMFhX8w_9_16">53</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="nwg:CreditRelatedFeeAndCommissionIncomeCards" scale="6" id="Tc_67Rx5vhxSEOUkN8UXdk-0w_10_4">10</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="nwg:CreditRelatedFeeAndCommissionIncomeCards" scale="6" id="Tc_D_HA5qVbGESNEmO-wtQV8g_10_8">2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:CreditRelatedFeeAndCommissionIncomeCards" scale="6" id="Tc_-2kCss5hG0SSN3KDli1VGw_10_16">19</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" scale="6" id="Tc_QB-GPlmKw0-0CxyLlqbTfg_11_2">13</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" scale="6" id="Tc_tj159-EJQkuA857wGQ9MGw_11_4">10</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" scale="6" id="Tc_2ISsNO8F3kikvKxk9gwemQ_11_6">515</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" scale="6" id="Tc_ZhUY7Oy4PEmCV2si6T9NHQ_11_8">54</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" scale="6" id="Tc_jjavKfEL306fw_S8jf_pxw_11_10">74</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" scale="6" id="Tc_8uzYr7XD_UeaVaAeJGa2qg_11_14">666</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" scale="6" id="Tc_GIrwIWKoMkyZgxeGRB08gQ_11_16">4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" 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contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BrokerageFeeIncome" scale="6" id="Tc_-aqhw1-rxE-wXFH0KC8g4Q_12_2">48</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BrokerageFeeIncome" scale="6" id="Tc_6Oer_4kf80igNqf5lSojjQ_12_4">6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BrokerageFeeIncome" scale="6" id="Tc_tnE7ucT9y06KCaM5-tobHg_12_8">1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BrokerageFeeIncome" scale="6" id="Tc_55coyoqrgkW-BcYAtj8zxg_12_10">41</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BrokerageFeeIncome" scale="6" id="Tc_sZeT2o61IkSO-WIErNTqEQ_12_14">96</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BrokerageFeeIncome" scale="6" id="Tc_ozYPnLHAE0qtrn2vFxWrfQ_12_18">96</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">- Investment management, trustee and fiduciary services (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;vertical-align:top;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc_va7RVi6s3EiB6xPugu18Dw_13_2">3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc__CkP701gy0OxDU_lYsAvMQ_13_4">230</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc_vWmJ9txYFkmjZ-pkwTdmIQ_13_8">45</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc_bXB8bRYhZEi3xZgDfRbvdA_13_14">278</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc_PEK_PL0wOUmZZ9eykSpEWQ_13_16">2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc_QcGcpdFkAUKYJN-uXu_aSg_13_18">280</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">- Underwriting fees</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_SAbc-RDbwUaEBZL5A9Z_0A_14_10">127</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_3nG2EA7fckeOz48FUcF8tA_14_14">127</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_rpnGdE7NekCNo0b8rQmBCw_14_18">127</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">- Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_s3_OUC8yv0eWyo80HvqyPw_15_4">35</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_nX6uKYB9yE-ooGL-9XqKRA_15_6">105</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_tSUcOpRxT0ehwDH4f9F2yQ_15_8">4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" sign="-" scale="6" id="Tc_scmbN1trYUygmqG-uzQLGw_15_12">112</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_7QPohRXbXECCg3DRNzkd8w_15_14">32</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_i0Bf-6LV20SV0Y8Tz0OdSA_15_18">32</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Total</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_J5lvdDVwnUO-9Muxn54uSQ_16_2">714</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_uq4xubIjYUSNH0wS7wgIGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_UdsH3aUFQUeNgYG3ZcRAvg_16_4">326</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_Go6jXx-UNkepK4Vi7iZ8iA_16_6">1,305</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_qydDgLHO4UCBJtLzAj9KmQ_16_8">125</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_-zzx8dDJYkyovbQ0JeI83A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_gV9xcUamLUO1eVKqSzmUvA_16_10">262</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_jODDgABuz0iAoNsbL0X5HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" sign="-" scale="6" id="Tc_pOmQlbIJT06R0IJcNcvDXQ_16_12">112</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_9lw_l0knY0-WNifhYCqj1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_7ChLokgRo0KVlATBgelAUw_16_14">2,620</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_1wr3ia93n0CTprirA5vp1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_NPpOQuibJU2j5HBkn20vbQ_16_16">78</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_REbONsbD2EaiU807PQQ4Sg_16_18">2,698</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Fees and commissions payable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionExpense" scale="6" id="Tc_GIQ0dRdJDE6MCpWIturoDg_18_2">337</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">2020 (2) </p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td 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<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_25ANkqBtIkm9QPY8ljbzZA" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_Qx1oSJ_nZECBT20hezxflg_29_10">183</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_7iTKgaKUg0m48l-YXxN2xA_29_14">183</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_QrjckAkQgEq2FsTiTWtHXg_29_18">183</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">- Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_fleEdIctMUex5_PrIxgXmA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_zVgUwj175EysbmhGtRbmMQ_30_2">1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_zMtdN_ufI0aopRweLsPbzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_5jhzBoOukUu5KuWdkELT_A_30_4">26</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_Qlcx2YQ0p020NgSGM8oxVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_4fK6OUZ9AEWAV2j5n3ZkSQ_30_6">82</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_--V9KZzHNkyjtogMf2B5Bg_30_8">3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_25ANkqBtIkm9QPY8ljbzZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_8vGfL80ZIku8AgU2GhSQuw_30_10">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_NKRa9VyndUGmKkzDb6zS_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" sign="-" scale="6" id="Tc_wmerRs-6okGVQLLUOrBqZg_30_12">33</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_OKcHcLUgHEqXjqNyESedlA_30_14">83</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_wiDKSrO2oE6eT0diNCYkaw_30_18">83</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Total</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_fleEdIctMUex5_PrIxgXmA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_0QI15gBzmkC_0dM9qU8FIw_31_2">663</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_zMtdN_ufI0aopRweLsPbzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_4bg8Afg80EqbRfauCDqwCw_31_4">301</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_Qlcx2YQ0p020NgSGM8oxVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_YBTMDPwD60S9XWoBGDrEWg_31_6">1,224</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_E_o1uKyD20GbTtFkoLCKQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_uSvPRE05LUCB4I9I5grhWQ_31_8">96</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_25ANkqBtIkm9QPY8ljbzZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_ovy8VrIqK063FOMFxUj-_g_31_10">386</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_NKRa9VyndUGmKkzDb6zS_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" sign="-" scale="6" id="Tc_vD7m0LUD_0aTSj9pgtNCbA_31_12">33</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_cBqZB3KGnkqnrHuiVUzKtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_BpUNNcK2y0mjidujEBkRhg_31_14">2,637</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_rP67FU9h6Eayv5TIYNO9Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_R77Y0COfaE2afYl4ROp3WA_31_16">85</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_aQEvws8gWUCuvr7wdL5VkA_31_18">2,722</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p 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decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_8UIJr48ZWkuydMhDRvTsuQ_34_16">77</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_5zhniwid0Um5r8dsOGcvmA_34_18">2,000</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td colspan="19" style="vertical-align:bottom;width:100%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">2019 (2) </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Fees and commissions receivable</span></p></td><td 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decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc_GoU6A3Gs8kuteebhWCmXiw_44_16">3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="Tc_EIaC8b8S7UaxIpXKGT32xw_44_18">278</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">- Underwriting fees</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_3DoUi07gcEqsVhOMXV9tLg" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_4I7v0nVuCUKCKo-quAojqA_45_10">170</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_7cWvEFJIqUq8bGV1CH_SPA" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_WgcZD0zFjEyHwmZWjp-0tQ_45_14">170</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnderwritingFeeIncome" scale="6" id="Tc_gSxg5MQz1kqeCWqtOSe3Pw_45_18">170</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 6pt;">- Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_l0GAuEmrtk6CzqQ89waYMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_vY57w2yjyEiWLBxdi5aHvQ_46_2">2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_IDsNguf5vUmkzMaDG6Dx1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_OT8fADo1tkahrjzc-nF74A_46_4">27</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_z6Oi0NoG7UWIdN4TH5NgYg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_0bmITW-IHEq0LzRCP2u5TA_46_6">90</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember__IkmhdyvskOONDLo7Yai7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_V8fXDswOyUCXPn_CsTM79w_46_8">2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_3DoUi07gcEqsVhOMXV9tLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_WpQurC7TXU-s2VP1ajmnSg_46_10">69</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_x_F4Jmx_5kejMpljg1FE_g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" sign="-" scale="6" id="Tc_hDOBLYn5NUCYCMs0k7MISw_46_12">173</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_7cWvEFJIqUq8bGV1CH_SPA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_D8gEm7f1PE-DrXpbMylW5w_46_14">17</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_aSK3KZZ-h0y6qU-16WBH-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_4XnedqSvLkquwZ0OjFhKiA_46_16">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="Tc_6MH9_glXkkeW9dJXkr7DgA_46_18">21</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:31.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Total</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.26%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_l0GAuEmrtk6CzqQ89waYMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_t6_e0xNURkazNQs1IjgfQg_47_2">1,176</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.17%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_IDsNguf5vUmkzMaDG6Dx1A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_7Rr5aH2I00a744drglqeyg_47_4">266</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_z6Oi0NoG7UWIdN4TH5NgYg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncome" scale="6" id="Tc_1ijXgXIn4ESJZklzoTUjbQ_47_6">1,416</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.1%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember__IkmhdyvskOONDLo7Yai7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_Y7DdOvAZgUGuntUA-lN2ww_50_8">106</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparisons with prior periods are impacted by the transfer of the Private Client Advice business to Private Banking from 1 January 2020.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;visibility:hidden;">&#8203;</span></p><table 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style="vertical-align:bottom;white-space:nowrap;width:8.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:18.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:16.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:42.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_loCVTKFsVUmmDOAOovb9Pw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_P3qb3D9hFUC0BuZZZ1a6rg_4_12">153,999</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Private Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_8S5b5_51o0OTiDSDlZKesg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_1XlxlcXdJkSpiQOiTyXQRA_5_2">29,854</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_OJv05mdRyEaWi0F-so3SWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_pUvdK9MuzkO3P8kb9JNRvA_6_2">184,564</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:8.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_CVcfQBbqnE-iEVmTa1ofQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_53S_Xwij1k6WJq-hBY9Cfg_6_6">187,413</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_CVcfQBbqnE-iEVmTa1ofQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_IrV-rr4ONUKNoh_JYLAUkQ_6_8">174,251</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_c_GlkPjm20miWcbO9Qtwuw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_EXjm8TgddUq0cj3bME_D5A_6_10">165,399</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_c_GlkPjm20miWcbO9Qtwuw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_0mSNiyhlMUmbWiSrJYXK9w_6_12">140,863</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">RBS International</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_Irx5lK1Ta0e4yGx9Gx5uow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_tcd_cvaLk0WWCGHKDd6vNg_7_2">40,578</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_Irx5lK1Ta0e4yGx9Gx5uow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_6U9Lm1h1rkOUnEXbTdSZcQ_7_4">38,436</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_C9xrZFVBcE2bpamZv6ak4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_Avbhefu2vUaT9E3TCjhdTg_7_6">33,984</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_C9xrZFVBcE2bpamZv6ak4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_jLp4RZPA5kux9G8pq8UuRw_7_8">31,989</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_w8FM6nh140OH_QMtrTE6ZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_vluvlVkmcEi1NdQ5n-Rpsw_7_10">31,738</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_w8FM6nh140OH_QMtrTE6ZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_V0QtQRkO30iKElvNPGt-cA_7_12">30,330</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Markets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_LzWt7LztcUKOYyS8JJbzPQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_JB8DpWO8OkuCpEUbKLVilA_8_2">200,576</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_LzWt7LztcUKOYyS8JJbzPQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_-g32muTsbkOxsXm5uLvqMw_8_4">188,431</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_6eLpKNz8AE6kqa8ymZyXxg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_iYLTZuGKkkOHsvdVuoxWFQ_8_6">270,147</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_6eLpKNz8AE6kqa8ymZyXxg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_ZiQA5WIHlEiFSdJryQYLKw_8_8">254,098</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_HLQEQki2BUuNpU5PHShHlg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_CWAAMvkqeUuGjTXDGKOZbQ_8_10">263,885</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_NatwestMarketsMember_HLQEQki2BUuNpU5PHShHlg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_d-_M31iS2EKb8-bBcV_86g_8_12">246,907</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central items &amp; other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_4K4oSjLlwkGDxoUnuAH8MA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_1_W3BcfVkkqRTWafEnimwQ_9_2">93,614</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_4K4oSjLlwkGDxoUnuAH8MA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_wE-G5k6h3kOOxr7X-LByKg_9_4">77,308</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_T-NTsivCg0u5eWW8krJFjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_rwICfhdYcE62WZ3GLtEvvw_9_6">57,503</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_T-NTsivCg0u5eWW8krJFjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_TB3w4B5wSEmv2kuLkHxOng_9_8">61,262</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_vDVdmsBxqkOYnA7eg1rHeA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_ge9Uqs9Qfkujx5DlefI34g_9_10">31,023</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_CentralItemsAndOtherMember_vDVdmsBxqkOYnA7eg1rHeA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_SZDbkSBQmkSaO9pGiVSgoA_9_12">57,762</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total excluding Ulster Bank RoI</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_CfP_t2dhKki94Tct_C61aQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_gg4vsDcjfE-iuWeXsTv3kg_10_2">759,159</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_CfP_t2dhKki94Tct_C61aQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_CLvNuhu1qkODE1DPKcshuQ_10_4">721,168</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_ch9bd6uP-0KG7Ot2Nf2F0g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_ZDuB-jccpEKaUw6-qqBZ5A_10_6">772,871</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_ch9bd6uP-0KG7Ot2Nf2F0g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_1TSehIC3w0KTag3QU5WDZA_10_8">732,674</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_oJ3qAvem1kiFF4O8lBesAw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_Hc7bCF6SfEiicz1jK3LxKg_10_10">697,654</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_oJ3qAvem1kiFF4O8lBesAw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_Zqlm7jalhU6oMuGXq8L2Ug_10_12">658,471</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ulster Bank RoI </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_lyNXZM6yOke_qROvjMIXGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_IvzdsuwSGkmHEmtofLFUrw_11_2">22,833</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_lyNXZM6yOke_qROvjMIXGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_HMTr5e4czkyAaVPGTJAshg_11_4">19,021</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_RInRYhCDZU6LbcGgNOP6UA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_tDIlJzSL_0WkZJvMWNLtlQ_11_6">26,620</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_RInRYhCDZU6LbcGgNOP6UA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_zwz4MKVe-0WxhHxDhrKi3A_11_8">22,993</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_U_LGM5qNzkex3itbMFHDdA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_6K34eUCOP0O6wdrDSQLlaQ_11_10">25,385</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_SegmentsAxis_nwg_UlsterBankRoiMember_U_LGM5qNzkex3itbMFHDdA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_Ot09ztlFvk6M-7-47pdTfA_11_12">21,012</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_Hg2cZ25dLESgM_sng8u_Ng_12_2">781,992</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_65JNoIhquEqijUF1GrkFqA_12_4">740,189</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.08%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_BZodvFKOHUu9UqufDqs-iA_12_6">799,491</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_2tACbFgSIEe4hRXHtbLjaA_12_8">755,667</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_zficfTWBnEKmpN7zCBgdNw_12_10">723,039</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_q4pbE7MxU0alDP1mEtHvLw_12_12">679,483</ix:nonFraction></p></td></tr></table></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">51</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_17d94ddf_adb8_4d85_a448_6af8cf123e7e"></a><a id="Tc_C1ntMIRmAkyPqQDux2uS5w_1_2"></a><a id="Tc_AD8_tVSKdkSVUAWCMq1-UA_1_4"></a><a id="Tc_-I37uRA2cEeCuf70VXEd5w_1_6"></a><a id="Tc_8BYRA4jztE-4DoxyD7HCaA_1_8"></a><a id="Tc_7FfcliAfV0uldIkFoFYLhA_1_10"></a><a id="Tc_iSgzmBRtHkCviVTMKUopTw_2_0"></a><a id="Tc_bhNMhKvIdUSs0krogbH_gg_2_2"></a><a id="Tc__z1lEM4p_EGjX_EP85i-JQ_2_4"></a><a id="Tc_Z3C_M7NXy0C17AOAIux0Cg_2_6"></a><a id="Tc_vrkhhg4qaU6g50IW3dAp_Q_2_8"></a><a id="Tc_nC8jqKphA0OJM-BmuSMs0g_2_10"></a><a id="Tc_somPg7OKWES3bpyVXs_otA_3_0"></a><a id="Tc_zW_KcqRzOUKGdTkk-uMscQ_4_0"></a><a id="Tc_YKVw3nQaTkODlAP-GUW6AQ_6_0"></a><a id="Tc_F3-bWhHfYUeXgZnyQAjuNA_7_0"></a><a id="Tc_6KBCDHgGFkCltx5GaXwQNQ_8_0"></a><a id="Tc_PMfBRXX7zUq6w17GG6JHLw_9_0"></a><a id="Tc_MiFek9IV5k2osNa1AcBNvA_10_0"></a><a id="Tc_qBFDN6Gqkky9H0sSD2kn8w_10_8"></a><a id="Tc_MBW1Iz15fUSu4_E1FYSYhg_11_0"></a><a id="Tc_pRG6rs6Q70SQ5CritCR_QA_13_0"></a><a id="Tc_a8ZCD8DYSUO57T-_N0BKuw_14_0"></a><a id="Tc_JtTHsNDaSUO-ztX08YjAXA_15_0"></a><a id="Tc_eA7lZya42EuwBmaTSa9dyw_16_0"></a><a id="Tc_5hxnIdKfs0ezzTjkj7HkBA_18_0"></a><a id="Tc_GR0TqRHxlE2geKl7GHMOag_19_0"></a><a id="Tc_WKOu0QlDo0iTOxV1yuhB8w_20_0"></a><a id="Tc_tF-MHA7Pd0e5sG1G8m9q9g_22_0"></a><a id="Tc_Z68b_OWOGUStUoPayAMW6w_22_4"></a><a id="Tc_HrlgA2oatEagPv0drz-WGQ_23_0"></a><a id="Tc_rqq6SGWGvkSbuLaTtamQsg_23_4"></a><a id="Tc_-4zLb5pRf0-s66v7k1CnTA_24_0"></a><a id="Tc_sY8T2qKyrEar4x_IILbjGg_25_0"></a><a id="Tc_3i9A3QFZjE-lAXt1_VVPOQ_26_0"></a><a id="Tc_5TZPZkeG4ku-JnYSxFx0Ww_27_0"></a><a id="Tc_Pw5dGDWPdUOEoUXGFP2KJw_29_0"></a><a id="Tc_cWR_l9eqikGbYcq9tohPBQ_30_0"></a><a id="Tc__s987kr4eUaj1YFfqd083Q_31_0"></a><a id="Tc_E5Olv80oOUK_g4_ELNryGA_32_0"></a><a id="Tc_A1sgp_-kNUC1NTS_ijmkxQ_32_4"></a><a id="Tc_9LarHIaT5ku6_v6JbNYZKg_35_0"></a><a id="Tc_JtVMFhfrJUeGklmRnnWh-A_36_0"></a><a id="Tc_mCiULa2iyU-B9zUqQW-lBA_37_0"></a><a id="Tc_9_P6MXNN1kWW4vKIZYLxmQ_39_0"></a><a id="Tc_XXBkEWI0vEaxDBAdOf4Obw_39_4"></a><a id="Tc_GOZgyLZI2Ea45mTtP1AP-w_40_0"></a><a id="Tc_IQ0f3kRb_0aK2z_fbW7MuA_40_4"></a><a id="Tc_qe1bS1Zx0kSu91EcJOiLVQ_41_0"></a><a id="Tc_7GzggHxqOk6fB2rxp1MZZw_42_0"></a><a id="Tc_9tPtDm5SvEOZEXIOL8jSng_43_0"></a><a id="Tc_QnnA_O_-P0OHrfmcJka1dQ_44_0"></a><a id="Tc_wowjLdku_02Hi8QKyN3rWA_46_0"></a><a id="Tc_19in6_ncskauBJVgmS0RKQ_47_0"></a><a id="Tc_A605UHE6E0KBl3DSpmeKFw_48_0"></a><a id="Tc_fcaaxTqgfkuuxMLRRVQs2Q_49_0"></a><a id="Tc_kBncVJP4iE63JxjhqQ2T-w_49_4"></a><ix:continuation id="Tb_MmexUYNZPEOFsllHItKLUg_cont4"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">4 Segmental analysis continued</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Segmental analysis of goodwill</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There was an &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="Narr_eFceUtWbakGnaxS0oc8AHw">85</ix:nonFraction> million impairment of goodwill in Retail banking during 2021. The total carrying value of goodwill at 31 December was &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_qhwr8-smrkukA7qRnxrTMA">5,522</ix:nonFraction> million, comprised of Retail Banking &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_kmyjxY59wUyJx0lNuRx1Jw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_F-1mis8oTUWQEy5HewiHRg">2,607</ix:nonFraction> million; Commercial Banking &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_OJv05mdRyEaWi0F-so3SWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_NHzn5YtBK0-o91BYDHCFzw">2,606</ix:nonFraction> million; Private Banking &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_8S5b5_51o0OTiDSDlZKesg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_fvFD38YFV0iqMjf5X92K2A">9</ix:nonFraction> million; and RBS International &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_Irx5lK1Ta0e4yGx9Gx5uow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_w8s_v_GHDk-K2EcfngzsJg">300</ix:nonFraction> million. (2020 &#8211; total carrying value was &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_2LS810cIw0CmDVJNb8YvzA">5,607</ix:nonFraction> million comprising of Retail Banking &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_QDVFJT7xMUSf-cxxivVbIw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_wzV8l6JbB0e_NpBoYZZ-4A">2,692</ix:nonFraction> million; Commercial Banking &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_CVcfQBbqnE-iEVmTa1ofQA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_4FIEs24xDEyjIWsASQyi3w">2,606</ix:nonFraction> million; Private Banking &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_PrivateBankingMember_lvINXthrFk6E3XUBe6oE1g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_UkGNjSXdWUqh2XMUjGK1EA">9</ix:nonFraction> million; and RBS International &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_C9xrZFVBcE2bpamZv6ak4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="6" id="Narr_6_5HPmgFwkmsNZJNtZAXuA">300</ix:nonFraction> million). See note 17 for further details.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;visibility:hidden;">&#8203;</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Geographical segments</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The geographical analysis in the tables below has been compiled on the basis of location of office where the transactions are recorded.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfGeographicalAreasExplanatory" id="Tb_m3LC3wl3dkicdSEkWNMnEw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">UK</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">USA</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Europe</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RoW</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total revenue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_ChDx3vWbX0mIguiUxidivg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_FUiuoMUyqEGVskUEjYCHwQ_4_4">87</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_CsltVCb6NEqQ3uPEul1Fhw_4_6">565</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iVuBPlzZrE-djvJ4ffBfUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_DX2wiZbF4U-oB3CWW-t1YA_4_8">33</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_AEc0GwtXYUSZbvAu_opGJw_4_10">12,785</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest receivable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_usrdbV9OsUGEvfhJdjcW0A_6_2">8,949</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_ChDx3vWbX0mIguiUxidivg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_QjM1XSb20EqPJbe2gADPQQ_6_4">20</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_7Cn4bytHP0CtaNc9YswK8A_6_6">336</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iVuBPlzZrE-djvJ4ffBfUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_kpCpu8rCw0263fT6MBHwpQ_6_8">8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_aPFLI_DUYkazZB6u0VOdnQ_6_10">9,313</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest payable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_mv4cpB_dLE6TV0oiXmzCGQ_7_6">211</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iVuBPlzZrE-djvJ4ffBfUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_fQw4TQ9oX0KQjeoxZ3jUWg_7_8">3</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_LgIXJZzw2U6HXnPkMt9pvA_7_10">1,699</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net fees and commissions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_D_65ATmRn0-F-LzN80rSeA_8_2">1,820</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_ChDx3vWbX0mIguiUxidivg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_s4FAGFT3i06Cox8q8LXqug_8_4">27</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_aGg6M4jHCEGX0K-tvF3srA_8_6">235</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iVuBPlzZrE-djvJ4ffBfUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_4zNn9PM43E-FuFDmzjlhKQ_8_8">42</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_Db7jez3vd0GZrdtRYIvurQ_8_10">2,124</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income from trading activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_XB90NE-G_EuzxY4jsA9FTg_9_2">247</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_ChDx3vWbX0mIguiUxidivg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_Aj9JlmcrWkO3--mWyRbhVA_9_4">53</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" sign="-" scale="6" id="Tc_L69HgdsSRU2hYro9qpvwgQ_9_6">1</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iVuBPlzZrE-djvJ4ffBfUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_AjdTjQjmeESBQ-QbHLamUw_9_8">24</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_3L739kgxAkyF737X41-gAw_10_2">387</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_ChDx3vWbX0mIguiUxidivg" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_sl2ch0fnTUS48_JuZcap_w_10_4">2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_NsjqJ4kux0m-CGi4kh_viA_10_6">62</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">-</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_Vu58NiOPd0-zbmYBAChvxA_10_10">451</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_kESRzjhig0eZLS-e5eKqVA_11_2">9,920</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_ChDx3vWbX0mIguiUxidivg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_AQLHmgvhcEOaeYwElvW0TA_11_4">100</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_BxVW78IYMk23FF4XpkBaQA_11_6">421</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iVuBPlzZrE-djvJ4ffBfUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_ezKq7CKb1km81ZEjZKMDNA_11_8">71</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_fAKn2cYcKUCP2zfrXm_E_A_11_10">10,512</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_kqO3P1a5gkeLsH6IsgxeIA_13_2">4,143</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_ChDx3vWbX0mIguiUxidivg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_2z9fxmlljE-L6l6il-ROmA_13_4">48</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_khjGjURKpU6Ja3u0sVhG9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" sign="-" scale="6" id="Tc__7ljRDRsq0eTOb4ZRvBxPw_13_6">199</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iVuBPlzZrE-djvJ4ffBfUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_svVa_7OkyEibCw_eOOM4Yg_13_8">40</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_ZWjJwLSOeEumY7QzvmBdRg_13_10">4,032</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_9Ie6Nwy1TkGKrJJe29E1kg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_yNOngWuemkK-H9ZO0jo42w_14_2">693,221</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_Jru-Yr6uJUmUSZc-_5cGVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_ypDFdZOJGEWf9JpDAYt8KA_14_4">21,776</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_9EKZVhGGFUOl5AQNvydffw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_i6zzU5S-JUGoJVsWwS2Sgw_14_6">64,415</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_P_dJ_KCLxUuU6dzNfZidSw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_bV-g5x-ya0SKnZBG35pVQA_14_8">2,580</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_8Sqnr6oj9U6jxFP_GiDWGA_14_10">781,992</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_9Ie6Nwy1TkGKrJJe29E1kg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_xRj06Y5vc0OPALYJcRXjmA_15_2">676,684</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_Jru-Yr6uJUmUSZc-_5cGVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_PPStnPn7AEqbxcJo1CgVGw_15_4">23,286</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_9EKZVhGGFUOl5AQNvydffw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_BBLoLhFnz0---swQ6CGe-A_15_6">38,835</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_P_dJ_KCLxUuU6dzNfZidSw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_1oFxmSjvQkuwUPQFIJ8idA_15_8">1,384</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_H8NclKWdjEakGGuuAxEmbA_15_10">740,189</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Contingent liabilities and commitments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_9Ie6Nwy1TkGKrJJe29E1kg" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_AIC5WBnZxEyUSk0nsJKwZQ_16_2">117,225</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_country_US_Jru-Yr6uJUmUSZc-_5cGVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_ZXKW0DfFYEuQAhkgaJae-A_16_4">1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_9EKZVhGGFUOl5AQNvydffw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_SeveYBZsV0-Zrl9Ft_NGUA_16_6">8,114</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_P_dJ_KCLxUuU6dzNfZidSw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_RbZBPOxqcUyD4hQ8H4ZGgw_16_8">27</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_J-ydSpThU0aCQYCetBzNiQ_16_10">125,367</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total revenue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_xAgQy_bKtE6boGk3T8Dw5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_JS3iEZ3DfUiYkvSZORWpRg_20_2">12,511</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_US_0dZuQN5LB0Gb11msXjB6Fg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_eqx9SuV3rUOgnhBHVlz4pA_20_4">211</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_IirW2_SmaU6eZUBB2yRvbg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_YtCMIyFIQkel9b3d1F-Xkg_20_6">656</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_CMnBs9u9OEOUkD5smhcwKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_imsFSf-GeUaAWpyuIXiUZQ_20_8">174</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_HDVi6y8nU0CUgJPmRn69_g_20_10">13,552</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest receivable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_xAgQy_bKtE6boGk3T8Dw5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_DkM5vorkDEykpfM6j3330g_22_2">9,479</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_IirW2_SmaU6eZUBB2yRvbg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_II5s9vupzUOWS1fmMBcEGg_22_6">297</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_CMnBs9u9OEOUkD5smhcwKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_BlZjFkV8-U2zo8-1SiNAbQ_22_8">22</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_StdnnFXjjEKMFNrd80RqTA_22_10">9,798</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest payable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_xAgQy_bKtE6boGk3T8Dw5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_QRjtq5U9hUu_vJC9O2r6NA_23_2">2,163</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_IirW2_SmaU6eZUBB2yRvbg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_sdueb7vhtk6CTOuT67kjYw_23_10">2,322</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net fees and commissions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_xAgQy_bKtE6boGk3T8Dw5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_DhtEAuCBtEenrxhX1HmTpA_24_2">1,637</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_US_0dZuQN5LB0Gb11msXjB6Fg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_nEcOjAMpGkGVGx18ohSqWQ_24_4">33</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income from trading activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_xAgQy_bKtE6boGk3T8Dw5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_NxO88K9-7kquEUorQccZuQ_25_2">911</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_US_0dZuQN5LB0Gb11msXjB6Fg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_U6XmoA_vDU6Pj7efPuEmYQ_25_4">170</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_IirW2_SmaU6eZUBB2yRvbg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_t5vhDFptMEKSP6XaChUEfA_25_6">33</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_IirW2_SmaU6eZUBB2yRvbg" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_gRbp-yDe30ey7XGSzuZRFA_26_6">42</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_CMnBs9u9OEOUkD5smhcwKg" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_xeYZMpcG20iO2kBDGgFIHQ_26_8">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" sign="-" scale="6" id="Tc_r5PWlFYUmEmF0eD6d2bxYA_26_10">93</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid 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style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_US_0dZuQN5LB0Gb11msXjB6Fg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_NsGqbO9uCUGQaX2kJ_tUHQ_27_4">181</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_IirW2_SmaU6eZUBB2yRvbg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_3uWOClv3zkqZ1E_gFfZeWw_27_6">447</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_CMnBs9u9OEOUkD5smhcwKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_ulTqX3dO-UKO8u0kNJfHlw_27_8">133</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_xAgQy_bKtE6boGk3T8Dw5A" decimals="-6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_IirW2_SmaU6eZUBB2yRvbg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" sign="-" scale="6" id="Tc_eSrZZKitJUK28hcjg7aykA_29_6">291</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_CMnBs9u9OEOUkD5smhcwKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc__3Q0rNfJtUi6VA61lgCVaA_29_8">88</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_w2cVHcBAqU-a8TeU7jrmdw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_8wQ4DQQZik2vgUyvKynyaA_30_2">704,725</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_US_On-WHC3CkkeeQmnBI94MRA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_n5sNRq93eUi5U3ay_GanSg_30_4">25,439</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_d7tk_CF5-EyhC50L0FJppg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_HszcNCjjeUyOHzSR1_tG-w_30_6">66,884</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_rPR_OX6dD0OXD06ss2VLJQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_1wNE66KSN0aKxvXSe-lNPQ_30_8">2,443</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_w2cVHcBAqU-a8TeU7jrmdw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_FfmGqPerPUaJTXYJCSRx5g_31_2">686,500</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_US_On-WHC3CkkeeQmnBI94MRA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_uhO9kGW4tEOuGW9FCAtCmA_31_4">26,932</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_d7tk_CF5-EyhC50L0FJppg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_I64ecP7ZO06D-NLa2ZbInQ_31_6">41,018</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_rPR_OX6dD0OXD06ss2VLJQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_WjzN-m2WNE2EWPGDMlj6jw_31_8">1,217</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_bikZRqzvbkevV85mHYTn7g_31_10">755,667</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Contingent liabilities and commitments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_w2cVHcBAqU-a8TeU7jrmdw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_WhPHBvqkBUydZUHv-8zHnw_32_2">118,654</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_d7tk_CF5-EyhC50L0FJppg" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_KclF_nhYq0Gb2w2_v5WmzA_32_6">10,068</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_rPR_OX6dD0OXD06ss2VLJQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_RJeX8MhMQkyARm9vX1eneg_32_8">10</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_OcdG__ZoX0a6H0JjIktmXQ_32_10">128,732</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total revenue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iCwkPZkXwU--2Y8_qto6HQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_AxmuiVbJAEOUZTL7FPGuAw_37_8">128</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Revenue" scale="6" id="Tc_H5KwFXIfy0mVTjnK0JZ9UQ_37_10">18,163</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest receivable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_O2iVeVGFikGCRojFLeTu4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_5o4p1F2vIUKJu0bh_wb4XA_39_2">10,923</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_JvycZIEqNkSIvjaXhhY_MA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_0gGJEwKbBkOJ1qVH8uwGYw_39_6">169</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iCwkPZkXwU--2Y8_qto6HQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_yVumP0GM3k6tBNrWkeyrAg_39_8">35</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_cmXmj3su2kuXBmaUGf51KA_39_10">11,127</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest payable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_O2iVeVGFikGCRojFLeTu4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_kLjAPpLbYEKykR5C95cl4A_40_2">3,255</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_JvycZIEqNkSIvjaXhhY_MA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpense" scale="6" id="Tc_5aStJLagWEWVyjM6pU_L5Q_40_6">70</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iCwkPZkXwU--2Y8_qto6HQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_xljLfDfC10CitKbTCFI4XQ_41_8">72</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="Tc_SRg6mFz9YkiHrI0vl-ioNA_41_10">2,497</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Income from trading activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_O2iVeVGFikGCRojFLeTu4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_IkSm03t8ukWvpW7MzNo08g_42_2">727</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_US_MyyIb4XQKUqOa97U3Va33w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_GVxR0h6r4UGNRHMWy4yIfw_42_4">148</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_JvycZIEqNkSIvjaXhhY_MA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_cmhwxyWQpU6tuWx0VKVdIw_42_6">49</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iCwkPZkXwU--2Y8_qto6HQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_G_lHH3QvkU696lysV6pwPg_42_8">8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TradingIncomeExpense" scale="6" id="Tc_aEAyfdaFUUSjLJRXDO0Ojw_42_10">932</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other operating income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_O2iVeVGFikGCRojFLeTu4w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_q3Zg8NTgYkuDXhdKtjbx-g_43_2">2,305</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_US_MyyIb4XQKUqOa97U3Va33w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_XUtKv5ebDEiGxWoh2qSfUg_43_4">13</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_JvycZIEqNkSIvjaXhhY_MA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_H7z3lGkX50yuZsp0AeHrjg_43_6">432</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iCwkPZkXwU--2Y8_qto6HQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_dLaaAK3mPESNnMw8aSZNiw_43_8">9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" scale="6" id="Tc_FrdrdkQdFEKYAZ0Mw0LQXQ_43_10">2,759</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_O2iVeVGFikGCRojFLeTu4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_Hx9iQ4eI4EmUg6aQwudKOQ_44_2">12,891</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_US_MyyIb4XQKUqOa97U3Va33w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_LbFKhdRky0y5uc7DUpg9iA_44_4">198</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_JvycZIEqNkSIvjaXhhY_MA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc__g8l-wE1QEmA734oi6wL5w_44_6">777</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iCwkPZkXwU--2Y8_qto6HQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_s5-RovG3xEygegzSXtJ4Ow_44_8">121</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_YjNg40HjDk21U7JAYHREgg_44_10">13,987</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_O2iVeVGFikGCRojFLeTu4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_i--28_PWQUa7eClI18EDTg_46_2">3,543</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_US_MyyIb4XQKUqOa97U3Va33w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_7oy0FGoWykGXWEzjR-dHpA_46_4">186</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_JvycZIEqNkSIvjaXhhY_MA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_8yRKd9Oik0W4_xDWIkeL3Q_46_6">172</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_iCwkPZkXwU--2Y8_qto6HQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_0L6N41XWI0-PkplFdy9ZTQ_46_8">82</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_zbYJzob9CkqYOLD79iOVSg_46_10">3,983</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total assets </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_vve17xrySUSfYJXTaI3Wyw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_EGNwGklPKkS8uZDGzsk_Aw_47_2">634,642</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_US_15-lDXS6XUei21Dqf4Wgqw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_DDpkWWBWGk2ZGxVUul4JxA_47_4">27,396</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_Z9GpeS2-f0iOM_Bnp0HOHg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_FQZXaav08kWtmB9M1g8bgA_47_6">57,534</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_uRKw3ONX10WwKysvVE3k4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_bxWw1ggMNEWtKAiVCFpbxA_47_8">3,467</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_Nv1R4zDrqUe1JtUY_QPTCA_47_10">723,039</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:63.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_vve17xrySUSfYJXTaI3Wyw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_C2BACS1NE0mxNWRTrinNFg_48_2">613,151</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_US_15-lDXS6XUei21Dqf4Wgqw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_T8cW7i8IDEyCgbAMPKRKPw_48_4">31,715</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_srt_EuropeMember_Z9GpeS2-f0iOM_Bnp0HOHg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_wCUkVlPZn0C7V8w_sDNmjw_48_6">33,539</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_uRKw3ONX10WwKysvVE3k4A" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Contingent liabilities and commitments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_vve17xrySUSfYJXTaI3Wyw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_YNrnCpG5KU-2Sh4lDON4ew_49_2">114,422</ix:nonFraction></p></td><td 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name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_rdm4UEF2AU-mijAs6FB2Tg_49_10">124,995</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><div style="margin-top:3pt;"></div></ix:nonNumeric></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">52</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a5Pensions_716617"></a><a id="Tc_XGILcoum3EWj-hV18J0jzw_1_0"></a><a id="Tc_sV6gO5bLOEG6KFFyoKNDYQ_1_2"></a><a id="Tc_zghhVFexVkaanrT3mLjKfA_1_8"></a><a id="Tc_bgn81DUlaEKemiZBjKRKJg_2_0"></a><a id="Tc__wPPWd2LV0C-f4Ckxj5oFg_2_2"></a><a id="Tc_9YpJ2pNJIUyoVOuUtF5ElA_2_4"></a><a id="Tc__ZbQn92n_06j9BlQ-uBX6w_2_6"></a><a id="Tc_L8cYDWn4IECz9UA1vgpbUg_2_8"></a><a id="Tc_EPPvDYyHDESCHzeTXhSHNA_2_10"></a><a id="Tc_cy0iOl8AwUyUSf76cjAgBw_2_12"></a><a id="Tc_-Rbx9MdEmkKIG8d1Of_bew_3_2"></a><a id="Tc_IaiotvJ93k-E0zhEKVfNvw_3_4"></a><a id="Tc_awtlqfG9q06cEYulaQVJow_3_6"></a><a id="Tc_mOJf5VzqIkufp4fABhkJ6g_3_8"></a><a id="Tc_3eY52LU-0ke4KxZ9zXE_FQ_3_10"></a><a id="Tc_XfIoBLmQ50eFSDlidc9epA_3_12"></a><a id="Tc_dBuC5zuGL0WEEvMP1I3_tw_4_0"></a><a id="Tc_dsjzjp7QCkG5HSN-gmL9Ww_5_0"></a><a id="Tc_7PtTUzaZAUeaGWM0W9DWXw_5_4"></a><a id="Tc_1t7YV_j3OUy31NO7pUDxEA_5_10"></a><a id="Tc_3Emuc3hyyUSe60HR90E2HQ_6_0"></a><a id="Tc_uTX4UbBvR0S7BwiT1mHa0g_6_4"></a><a id="Tc_HVB6FiRAHkSvKduTp8ahvA_6_10"></a><a id="Tc_LyjyrZkQn0m0Lt6066oy6Q_7_0"></a><a id="Tc_MR6WLmWM1UGbXJ8XcuffGg_8_0"></a><a id="Tc_GjG-FxECuUqlsEQSck-1Zw_8_2"></a><a id="Tc_r633THONH0mbDWAuxaiWjg_8_8"></a><a id="Tc_OLbIRygj_U-ADYXCw-Fs3g_9_0"></a><a id="Tc_8E4GbRx0ckaCmCsM95QBBQ_9_2"></a><a id="Tc_cf-PWDQBzUqZLWJPflnjiw_9_8"></a><a id="Tc_pBX-B02Lj024qdWKVztxwA_10_0"></a><a id="Tc_yNqPzIUP80eyt06r0v4neg_10_2"></a><a id="Tc_2BBq89K8LkmYHO_vsGfGJQ_10_8"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfDefinedBenefitPlansExplanatory" id="Tb_AMEGp95xkkmJkdHhuGdL9g" continuedAt="Tb_AMEGp95xkkmJkdHhuGdL9g_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">5 Pensions</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:8pt;background:#f2f2f2;margin:0pt;">NatWest Group operates two types of pension scheme: defined benefit and defined contribution. The defined contribution schemes invest contributions in a choice of funds and the accumulated contributions and investment returns are used by the employee to provide benefits on retirement, there is no legal or constructive obligation for NatWest Group to pay any further contributions or benefits. The defined benefit schemes provide pensions in retirement based on employees&#8217; pensionable salary and service.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:8pt;background:#f2f2f2;margin:0pt;">NatWest Group&#8217;s balance sheet includes any defined benefit pension scheme surplus or deficit as a retirement benefit asset or liability reported in other assets and other liabilities. The surplus or deficit is the difference between the liabilities to be paid from the defined benefit scheme, and the assets held by the scheme to meet these liabilities. The liabilities are calculated by external actuaries using a number of financial and demographic assumptions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:8pt;background:#f2f2f2;margin:0pt;">For some NatWest Group defined benefit schemes where there is a net defined benefit surplus which means any surplus in excess of present value of any economic benefits, the application of accounting standards means we don&#8217;t recognise that surplus on the balance sheet as the trustees may have control over the use of the surplus.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 8pt 0pt;">For accounting policy information see Accounting policies note 4.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Defined contribution schemes</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group sponsors several defined contribution schemes in different territories, which new employees are entitled to join. NatWest Group pays specific contributions into individual investment funds on employees&#8217; behalf. Once those contributions are paid, there is no further liability on the NatWest Group balance sheet relating to the defined contribution scheme.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Defined benefit schemes</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group sponsors a number of pension schemes in the UK and overseas, including the Main section&#160;of the NatWest Group Pension Fund (the &#8220;Main section&#8221;) which operates under UK trust law and is managed and administered on behalf of its members in accordance with the terms of the trust deed, the scheme rules&#160;and UK legislation.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Pension fund trustees are appointed to operate each fund and ensure benefits are paid in accordance with the scheme rules and national law. The trustees are the legal owner of a scheme&#8217;s assets, and have a duty to act in the best interests of all scheme members.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The schemes generally provide a pension of <span style="-sec-ix-hidden:Hidden_hTn2MbGsYEGQWs1LyjQ0dw;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">one</span></span> -sixtieth of final pensionable salary for each year of service prior to retirement up to a maximum of <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:duryear" name="nwg:MaximumNumberOfYearsOfServiceConsiderableForPension" id="Narr_GudhNR-y8kOvqtUI0Ap1Tw">40</ix:nonNumeric> years and are contributory for current members. These have been closed to new entrants for over ten years, although current members continue to build up additional pension benefits, currently subject to <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="2" format="ixt:numdotdecimal" name="nwg:MaximumAnnualSalaryInflation" scale="-2" id="Narr_TYL7pTR6s0G0rwksAV4JyA">2</ix:nonFraction>% maximum annual salary inflation, while they remain employed by NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The Main section corporate trustee is NatWest Pension Trustee Limited (the Trustee), a wholly owned subsidiary of NWB Plc, Principal Employer of the Main section. The Board of the Trustee comprises <ix:nonFraction unitRef="Unit_Standard_trustee_KoW0WsPYY0uoBlVW4HGENQ" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfTrusteeDirectorsNominated" scale="0" id="Narr_Eutr8JcKzU24pCrKJY_X9g">four</ix:nonFraction> member trustee directors selected from eligible active staff, deferred and pensioner members who apply and <ix:nonFraction unitRef="Unit_Standard_trustee_KoW0WsPYY0uoBlVW4HGENQ" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfTrusteeDirectorsAppointed" scale="0" id="Narr_GPOIkSf_RECEX-wzqqO44g">six</ix:nonFraction> appointed by NatWest Group. Under UK legislation, a defined benefit pension scheme is required to meet the statutory funding objective of having sufficient and appropriate assets to cover its liabilities (the pensions that have been promised to members). </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Similar governance principles apply to NatWest Group&#8217;s other defined benefit pension schemes.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Investment strategy </b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The assets of the Main section, which is typical of other group schemes, represent <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="2" format="ixt:numdotdecimal" name="nwg:DefinedBenefitPlanPercentageOfTotalPlanAssets" scale="-2" id="Narr_8v5336M4aUWBlodWKUpNVw">90</ix:nonFraction>% of all plan assets at 31 December 2021 (2020 - <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="2" format="ixt:numdotdecimal" name="nwg:DefinedBenefitPlanPercentageOfTotalPlanAssets" scale="-2" id="Narr_qgrETuQiP0CVsAguFY-qKg">90</ix:nonFraction>%) and are invested as shown below.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The Main section employs both physical and derivative instruments to achieve a desired asset class exposure and to reduce the section&#8217;s interest rate, inflation, and currency risk. This means that the net funding position is considerably less sensitive to changes in market conditions than the value of the assets or liabilities in isolation. In particular, movements in interest rate and inflation are substantially hedged by the Trustee.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfFairValueOfPlanAssetsExplanatory" id="Tb_R-GkISeiH0y1lqxWCR5JDA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:middle;width:48.88%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:middle;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Major classes of plan assets as a percentage of</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:23.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:23.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:middle;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">total plan assets of the Main section</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Quoted</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Unquoted</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Quoted</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Unquoted</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:top;width:48.88%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_sSOqitQZuUakmE4JIOjrew" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_4E7dWSTza0Co7NJYQqWwkw_4_2">3.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_qo62T2_b-06ZMBltyLLLdA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_Xq-7pWTz4kqhGl4KG7PdJQ_4_4">4.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_F6Y2TdwCUkuutb-GnSGFyQ_4_6">8.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_F0pYvecDck6BHGUNtXQxmw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_UBqtSt1sukqSnV1MpQUWdw_4_8">3.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_KHnMjEU1lECLUJ-eA2tvXw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_0qXwMnoP_0ai9MAVD-t6xA_4_10">4.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_hxnBpBw0t0627s4gQnT_ZQ_4_12">8.5</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Index linked bonds</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_sSOqitQZuUakmE4JIOjrew" decimals="3" format="ixt:numdotdecimal" name="nwg:IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_O7V2fyEDpk6iyODNQl_AIQ_5_2">46.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="nwg:IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_FoVwrhIB4ESYeiJh5FgbIQ_5_6">46.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_F0pYvecDck6BHGUNtXQxmw" decimals="3" format="ixt:numdotdecimal" name="nwg:IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_hflW8qTEWUOqR2z4g7Jpvw_5_8">49.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="nwg:IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_vTCwosJV4UCL6a2KTkfL4g_5_12">49.4</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Government bonds</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_sSOqitQZuUakmE4JIOjrew" decimals="3" format="ixt:numdotdecimal" name="nwg:GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_tURZMCM4mEuR8aNFcoPFEQ_6_2">9.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="nwg:GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_M4yUDr42K06X8DPzX4279A_6_6">9.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_F0pYvecDck6BHGUNtXQxmw" decimals="3" format="ixt:numdotdecimal" name="nwg:GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_nMCneO__i0SPMHhQNvzD4A_6_8">6.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="nwg:GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_RZzxpFkBYE6kfkbb-UhIRg_6_12">6.2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Corporate and other bonds</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_sSOqitQZuUakmE4JIOjrew" decimals="3" format="ixt:numdotdecimal" name="nwg:CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_NT823TOjNkOsts8teirnHg_7_2">10.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_qo62T2_b-06ZMBltyLLLdA" decimals="3" format="ixt:numdotdecimal" name="nwg:CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_i3EUd8s2SUibELsXG1-UVw_7_4">4.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="nwg:CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_EFCZdhZxCk60eAZ8yJlIzA_7_6">15.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_F0pYvecDck6BHGUNtXQxmw" decimals="3" format="ixt:numdotdecimal" name="nwg:CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_WpzefprTD0OKpVso5JtiQw_7_8">11.8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_KHnMjEU1lECLUJ-eA2tvXw" decimals="3" format="ixt:numdotdecimal" name="nwg:CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_BM3DDaRRQU2gRofYcQFk9A_7_10">5.0</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="nwg:CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_jKVVxuSHkU2Zji0yqKddCA_7_12">16.8</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Real estate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_qo62T2_b-06ZMBltyLLLdA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:RealEstatePercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_MUVhnbA660icOzw7qZgF4g_8_4">4.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:RealEstatePercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_MxDuh60ypU-L8I1ydWmiRw_8_6">4.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_KHnMjEU1lECLUJ-eA2tvXw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:RealEstatePercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_v4eCSIFZ_UKb-8l2e0Dnbw_8_10">4.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:RealEstatePercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_cIPyz04XJEe_bp7u6NMWxg_8_12">4.2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_qo62T2_b-06ZMBltyLLLdA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DerivativesPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_DnI5zvpKTkaSCW5DrsuM-g_9_4">8.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DerivativesPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_OFK9KOlJlE-IP6rqoo5Waw_9_6">8.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_KHnMjEU1lECLUJ-eA2tvXw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DerivativesPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_M1JZ6JQE1keoEANd1i8D8g_9_10">10.0</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DerivativesPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_R5GQ-X4f_U6hFQRmvkv5ZQ_9_12">10.0</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:48.88%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and other assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_qo62T2_b-06ZMBltyLLLdA" decimals="3" format="ixt:numdotdecimal" name="nwg:CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_0oZqJKXouEGZPElXlv4uEw_10_4">6.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="nwg:CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_Rm-exxXVSEKMpvz8-Uiq0Q_10_6">6.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_KHnMjEU1lECLUJ-eA2tvXw" decimals="3" format="ixt:numdotdecimal" name="nwg:CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_b4j_s-rK9kud6tlgrhAccA_10_10">4.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="nwg:CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" scale="-2" id="Tc_dq5UhafXM0OaI4RdtkMy_Q_10_12">4.9</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:48.88%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_sSOqitQZuUakmE4JIOjrew" decimals="3" format="ixt:numdotdecimal" name="nwg:PlanAssetsPercentageContributionsToFairValueOfPlanAssets" scale="-2" id="Tc_qhUo6aPfNkevQpkF4ME_CA_11_2">70.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_qo62T2_b-06ZMBltyLLLdA" decimals="3" format="ixt:numdotdecimal" name="nwg:PlanAssetsPercentageContributionsToFairValueOfPlanAssets" scale="-2" id="Tc_I7Vl3pcAgkK8E1CbRYVaSQ_11_4">29.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="3" format="ixt:numdotdecimal" name="nwg:PlanAssetsPercentageContributionsToFairValueOfPlanAssets" scale="-2" id="Tc_MzRZIy6dHkS5BpmaKx440w_11_6">100.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_F0pYvecDck6BHGUNtXQxmw" decimals="3" format="ixt:numdotdecimal" name="nwg:PlanAssetsPercentageContributionsToFairValueOfPlanAssets" scale="-2" id="Tc_1KMmjMW10kmiX7oIO6UcGA_11_8">71.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_KHnMjEU1lECLUJ-eA2tvXw" decimals="3" format="ixt:numdotdecimal" name="nwg:PlanAssetsPercentageContributionsToFairValueOfPlanAssets" scale="-2" id="Tc_nEVdXJL-AkueV4RMCgVjnQ_11_10">28.7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.94%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="3" format="ixt:numdotdecimal" name="nwg:PlanAssetsPercentageContributionsToFairValueOfPlanAssets" scale="-2" id="Tc_KAy30jGgREiZem_dmiYNLQ_11_12">100.0</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">53</span></p></td></tr></table><p 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style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.29%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">2020</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Notional</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Fair value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Notional</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">Fair value</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">amounts</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Liabilities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">amounts</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Liabilities</p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Inflation rate swaps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InflationRateSwapsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember__rHg1ZlEfU6Rx98xSCmPKA" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_bD91CkCttkySWF4uo7Vpyg_5_2">20</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InflationRateSwapsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember__rHg1ZlEfU6Rx98xSCmPKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_Cnlvz9vm50iG6pSa38faRQ_5_4">1,408</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InflationRateSwapsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember__rHg1ZlEfU6Rx98xSCmPKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_5HSTqBgNzkCAAuCYETeNMA_5_6">796</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InflationRateSwapsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_c3NWUpY4RUCcSlXDT_HBNg" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_n4NlmyD9TEOLWNpT6qnocA_5_8">18</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InflationRateSwapsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_c3NWUpY4RUCcSlXDT_HBNg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_lWvj9dJB4Ee2cTKrAMJU7g_5_10">1,390</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CurrencyForwardsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_p6LDUImyHU-UwRzC9RxbpQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_s1fAcK-vc02ry29NWgNbhg_7_4">61</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CurrencyForwardsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_p6LDUImyHU-UwRzC9RxbpQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_YfEhDW7aq0W81n5k4DflVg_7_6">98</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CurrencyForwardsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_Y31KVUWv_Uae56mWET-12g" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_gYwIcCrIwUaQJbQckxud1g_7_8">11</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CurrencyForwardsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_Y31KVUWv_Uae56mWET-12g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_bSNoI1zfZU-WaJnyUfjh4Q_7_10">334</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_EquityAndBondCallOptionsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ZEbbn5NgL06-EZfGlSt-KA" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_vIcjZEBqmEWSsK-ONkTOAA_8_8">1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_EquityAndBondCallOptionsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ZEbbn5NgL06-EZfGlSt-KA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_IwPk3xsCKk-fKMQEiTMPuA_8_10">169</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherDerivativeInstrumentsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_Rgz8HNjNQU-hC-QyptYplA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_Y-QgztT5Gkqqgc1PtbYjIg_10_4">9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherDerivativeInstrumentsMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_Rgz8HNjNQU-hC-QyptYplA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_LlY0BcCFyUWupM9vPleg5g_10_6">10</ix:nonFraction></b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Swaps have been executed at prevailing market rates and within standard market bid/offer spreads with a number of counterparties, including NWB Plc.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">At 31 December&#160;2021, the gross notional value of the swaps was &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_SwapContractMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_hC_oEoEX7EaHfeYfnRBUxw" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The schemes do not invest directly in NatWest Group but can have exposure to NatWest Group. 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style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:28.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">Main&#160;section</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:28.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">All&#160;schemes</span></p></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Present&#160;value</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Asset</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> Net</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Present&#160;value</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Asset</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Net</p></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Fair </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">of&#160;defined</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">ceiling/</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">pension</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Fair</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">of&#160;defined</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">ceiling/</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">pension</p></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">value&#160;of</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">benefit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">minimum</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(assets)/</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">value of</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">benefit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">minimum</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">(assets)/</p></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">plan&#160;assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">obligation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">funding</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">liability</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">At 1 January 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_DjCS7LuR6kG6hjrtwCgt3Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_c3RCh3OA7UGK4krKp-KfyA_7_10">51,925</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_k-PeL3sCq0y28PKMZqCTgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_Oo3YyLfTmEiy1N5JwOV__A_8_4">4</ix:nonFraction></p></td><td 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_4WMflaFR-E6RmAmdB6xLDg_8_8">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1247SNHT4EC8JvprrCDZLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_QY5_aG2kf0i5GHFnxTbmkQ_8_10">92</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_hhKKt8gPyEqpA9hgQ9BugQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_c0q2_SQgwUCWn_qcgyR8dA_8_12">71</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_AGi7rC1t70OVvvnLfPWiiQ_8_16">21</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_pXN72u31NUyGzBvXsBSZAA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" sign="-" scale="6" id="Tc_hPUBwmMTNUqXZSihlduF7A_9_2">936</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_k-PeL3sCq0y28PKMZqCTgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_gi2z3tV_r0i4kRd_i2z_8w_9_4">954</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_fJ3UjDxifECUfJQza2Raog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_0TM7qqByIk6CwEKXYTzdqg_9_6">141</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_7LrpBywAl0ytpdSmS1ntlQ_9_8">159</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1247SNHT4EC8JvprrCDZLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" sign="-" scale="6" id="Tc_waTJKAmmdkOTbZQYJx0UhQ_9_10">1,037</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_hhKKt8gPyEqpA9hgQ9BugQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_1KJ4AG8KZ0mMz3BIxS6yNg_9_12">1,103</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_jlRhSuynmE63aj-ZNTUpJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_o81nulYN3UaTYFSBejQ1Iw_9_14">149</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="font-family:'Times New Roman','Times','serif';"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_mvaySFagBkW7wNCf0SSHYg_9_16">215</ix:nonFraction></span></p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Statement of comprehensive income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_pXN72u31NUyGzBvXsBSZAA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_QgmcAtsalUKo4NZDaJ3aXw_10_2">5,486</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_k-PeL3sCq0y28PKMZqCTgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_PgHs5TCBekyYJZ2QoRx5Vw_10_4">5,130</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_fJ3UjDxifECUfJQza2Raog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc___jfTDF6pUOhjL9RB-C0IQ_10_6">426</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_kUWnDR8Jk0ixYIQ3fitDQw_10_8">70</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1247SNHT4EC8JvprrCDZLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_wJjdaL-Ik0StyZmNc0uF_Q_10_10">6,027</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_hhKKt8gPyEqpA9hgQ9BugQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_L7TXqemhC0-6f9_-UEDdIA_10_12">5,704</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_jlRhSuynmE63aj-ZNTUpJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_rfzjSmt6U02Z-BqhL9M7Qg_10_14">319</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_2C_-jDJjVkaXeTYSGH73KA_10_16">4</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Contributions by employer</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_pXN72u31NUyGzBvXsBSZAA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_0mWzm29-5UCzHmzOMn_16A_11_2">233</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_EjCJ0YMBR0mpQY_oSjbWoA_11_8">233</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1247SNHT4EC8JvprrCDZLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_aTIARZpoNUG7NRwWWEGwng_11_10">296</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_yA8vuHO2jk6aBRlCeiR8Qg_11_16">296</ix:nonFraction>)</span></p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Contributions by plan participants and other scheme members</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_pXN72u31NUyGzBvXsBSZAA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_pJ4VdDJ2Ek-25jGWkqQH5w_12_2">9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_k-PeL3sCq0y28PKMZqCTgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_CqrUGCX4xUiFFEOI6BeBVg_12_4">9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1247SNHT4EC8JvprrCDZLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_W4bFVGh5TE2h5v7nA2wNhw_12_10">14</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_hhKKt8gPyEqpA9hgQ9BugQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_nODoiP5WAkaFnKdKy6677Q_12_12">14</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Assets/liabilities extinguished upon settlement</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1247SNHT4EC8JvprrCDZLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_7PAfGWCHLUm6bC0fZx5dKA_13_10">2</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_hhKKt8gPyEqpA9hgQ9BugQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_pveFq7ZKq0Wz9L6j2ehrQw_13_12">3</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_91m591Jql06oEhCHfTdIcQ_13_16">1</ix:nonFraction>)</span></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Benefits paid</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_pXN72u31NUyGzBvXsBSZAA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_k0YbOxuAk0i2NY24M3Hr5g_14_2">1,896</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_k-PeL3sCq0y28PKMZqCTgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_A0CHxhhCd0e09zKLnAM7ow_14_4">1,896</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1247SNHT4EC8JvprrCDZLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_Zn8VCS69TU-t63EpOm2iDA_14_10">2,140</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_hhKKt8gPyEqpA9hgQ9BugQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_wykkezsTiESb66rEOolpkQ_14_12">2,140</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">At 1 January 2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_1pO8UCNy_0ugQKANkmzUxA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_Sy2vFpmG-0OC2iM72Y9Zeg_15_2">51,323</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_XMS-B9vwPkOVrMgE1AtVLQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc__D7NTlRL20KbNPYZvWNdxg_15_4">43,870</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_rV_ldJivAEGIg6R7wCTc2Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_HSd1AOZg80GeC9lhtWC5_A_15_6">7,453</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_wy3cc8cPXUeWxYdFcq1EpQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_gXB6lmX8kEaPoOkc-1ZSDQ_15_10">57,249</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_8XY1DyYyLUWj7XBCB7wUkQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_MjUXy-n1QECBgeV3ArMoow_15_12">48,864</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_MqbOs1EBo0iJGU1oIEOcOw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_AnDVXFzEd0Osyisn7mtL9w_15_14">7,783</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_GdKxdjCjGUeGyv1utsYBdg_15_16">602</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Currency translation and other adjustments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-family:'Times New Roman','Times','serif';font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_bvTD3Cvh5kS8cCoQC3wdtQ_16_10">129</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_uOh3JUg1sESfJNxVLok2-w_16_12">116</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-family:'Times New Roman','Times','serif';font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_crkUIg3_XUepFowMW5kfdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_zEzPDI1LYEeWjr4DMZyAhQ_16_14">3</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-family:'Times New Roman','Times','serif';font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_mp3Dd_zgCkiHBSWNpsRdcw_16_16">10</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Income statement</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Net interest expense</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_WU-zI7kp7kuXF5DThdnw7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_qcOsCkcNZUOnvPjFLjMTCQ_18_2">713</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="Tc__VsYkUpE0kSE7A49meZr1w_18_4">603</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_NT2LvCnJ4Eid0p2jiYl5hQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_SSM0SBOUsE6FmfypDP74Rg_18_6">105</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_lzORXqXzLkGHkE56lo32Gw_18_8">5</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_-2Ge2gOV_EiYxQBKe_pZ8w_18_10">795</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_4pe63lQHIU2XdrTHM-pelA_18_12">676</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_crkUIg3_XUepFowMW5kfdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_8AQ9rzoxbk-3wP63f2-QtQ_18_14">109</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_4AKsVtvOZUqLJ3cA9y37Vw_18_16">10</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Current service cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_Dxak2GiVjEqtpRtpR1kMSA_19_4">158</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_2F11nBWWJ0mu0ict-2nu-A_19_8">158</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_E6iEyH93LEeVN73vqcYiGQ_19_12">213</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_BqUSPYF0NEuE703cZKRXLA_19_16">213</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-bottom:1px solid #000000;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Past service cost</p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_9tTdd27M_0yMDiIqjJx5Jg_20_4">6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_-tlNXSlKIEaZ5pF22rT80A_20_8">6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_zaHXQAQ05EKokFB4uvQeJw_20_12">12</ix:nonFraction></b></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_udX6ynVU8kiuJBDoDfE47w_20_16">12</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_WU-zI7kp7kuXF5DThdnw7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" sign="-" scale="6" id="Tc_tPtpQA9yrUuQYoFp7aEOgQ_21_2">713</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_KBxzN_ja6kq6A-GsRN7ZPA_21_4">767</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_NT2LvCnJ4Eid0p2jiYl5hQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_gOw0xb8R70KUqEBpo9sdXA_21_6">105</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_KOr3RsJmUE2aZIpdFeqUwQ_21_8">159</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" sign="-" scale="6" id="Tc_mQMSqDMLIk6MZ1_Ppuk3Cg_21_10">795</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_Sw2nHyuKkECAzsHeqxEaVw_21_12">901</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_crkUIg3_XUepFowMW5kfdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_4VK3qC6MOUCs1k_NBWVwDA_21_14">109</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" scale="6" id="Tc_4Ph4KJREmEqmW-bvnvKNww_21_16">215</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Statement of comprehensive income</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Return on plan assets excluding recognised interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_WU-zI7kp7kuXF5DThdnw7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_JCdfRlFspECbMf-Hb7V8ZA_24_2">841</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_sNCIad4m6k6-j-W7Y2OINg_24_8">841</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_kmlazWNZCE2Bxpwk93lGEg_24_10">872</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_fO_wgutG1EqZmAt6LuXFTg_24_16">872</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Experience gains and losses </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_RDRuKJzdyUGcIy4MsnYsbA_25_4">241</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_t1fY-GaqQEqu4Pd9rE9ucQ_25_8">241</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_4w2hy_HpyEyDTx1lugq_uQ_25_12">236</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromExperienceAdjustmentsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_PvW8GYYl102rxMn9PK5g9A_25_16">236</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Effect of changes in actuarial financial assumptions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_Zyemt89Q1E2_bn8obMRH6A_26_4">1,165</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_KXQVy4R4XEO3kTltHKmLLA_26_8">1,165</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_f8tM3jw4LkaQmluotkMLgg_26_12">1,204</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_zlyWkuiy0UCAWFnwSOZyJw_26_16">1,204</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Effect of changes in actuarial demographic assumptions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_Yq-iQHqApEaNy6Xwoq5Srw_27_4">350</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_glB7wRHk6UOuv0J8E7JtBA_27_8">350</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_xmaqyQAZm0mwWP9Dx_xaoQ_27_12">379</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_9VhBai5Qek6F-86_MIriVw_27_16">379</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-bottom:1px solid #000000;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Asset ceiling adjustments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_NT2LvCnJ4Eid0p2jiYl5hQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling" sign="-" scale="6" id="Tc_oEMA7pEJsEOzWnWGXg4qUQ_28_6">2,443</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling" sign="-" scale="6" id="Tc_IS2s_bptmk2_KnsH-gpEpQ_28_8">2,443</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_crkUIg3_XUepFowMW5kfdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling" sign="-" scale="6" id="Tc___fJCdVM2UWgGsZlTbKrsQ_28_14">2,602</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling" sign="-" scale="6" id="Tc_1a2WTJos00yc4Ho3LHcIEg_28_16">2,602</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_WU-zI7kp7kuXF5DThdnw7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_3GDOQ7ru3EmFWpUFhW4U9g_29_2">841</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_5BDMAP3QoUKU2jP2IqoOJQ_29_4">1,056</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_NT2LvCnJ4Eid0p2jiYl5hQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_yonLYDaAP0SIcUU7rax2pg_29_6">2,443</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_hL3DlBCLPEKylp1w9VbNtA_29_8">546</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_bXG6v7FMAk-mnp3sv9L2bA_29_10">872</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_sWeiQQpZDUaKEk96VkpN-g_29_12">1,061</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_crkUIg3_XUepFowMW5kfdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_8GYjVU2p30CwKErT-pY4_g_29_14">2,602</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_TUhMXFjh3EOE8NQe9yAu7w_29_16">669</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Contributions by employer</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_WU-zI7kp7kuXF5DThdnw7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_hk39eoUa10GZB_OjZRB2KA_30_2">705</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_UCL3Wv8hUkmRQ5tezC4xOw_30_8">705</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_qrunnud3UUSW0AI-jFROpA_30_10">780</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_BoQXsoyEWEG0zcUn-cSdGw_30_16">780</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Contributions by plan participants and other scheme members</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_WU-zI7kp7kuXF5DThdnw7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_GumICMVKUkORrUOVykvYbw_31_2">8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_7l5Dh9blWkejgG_EzSjbQg_31_4">8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_p49AMGQjsUyoHfWAAeTgUg_31_10">13</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_-Y6R22_qrkeapW2vlsUOPQ_31_12">13</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Assets/liabilities extinguished upon settlement</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Benefits paid</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_WU-zI7kp7kuXF5DThdnw7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" sign="-" scale="6" id="Tc_FEGJSid_c0Khq2FRi51DIQ_33_2">1,569</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_Ki3Ob_mt4UmWWmpueF86Sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_7L_qsYTfcUqBmxkjms29KQ_33_4">1,569</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_cYRxR2IugkWooA35Ce0VFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_9PU3X081WEaPX6Pi4CjeeQ_33_10">1,793</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember__QXLhqIHj0-Bd6kIWV7jpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="Tc_3o_SuVcP9EuM48VbbtbDiQ_33_12">1,793</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:39.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">At 31 December 2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_fuE34DuLc0alwuZC-m9eEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_FpkGzMLsqkWkOMI1J8n8rQ_34_2">52,021</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_6WlQ9KuOw06BEaCZ82ck3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_plrkdtl5t0-AANAPmmJJng_34_4">42,020</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.87%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_4YS2w1J6OUiZDXoInmO3GQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_O3o0k2rNXEuce-Sfcp34Bw_34_6">10,001</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.01%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.04%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PlanAssetsMember_ZtaqEv5_iUuWkdVU7-s_UQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_CZWqnfBUGUmHwbNFbHJMog_34_10">57,787</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.22%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_PresentValueOfDefinedBenefitObligationMember_pokKlz5crUiu4-FrpHBfaA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_iIqjhynEfUqS7niZlU3_dw_34_12">46,808</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.94%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_hk11trfye0igtWDu3r5THw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_yyxSGx9nTkWWUMm9uDECQQ_34_14">10,491</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.96%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_3Hnl6XoEskGxfZjAgMuozA_34_16">488</ix:nonFraction>)</b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Defined benefit obligations are subject to annual valuation by independent actuaries.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">NatWest Group recognises the net pension scheme surplus or deficit as a net asset or liability. In doing so, the funded status is adjusted to reflect any schemes with a surplus that NatWest Group may not be able to access, as well as any minimum funding requirement to pay in additional contributions. This is most relevant to the Main section, where the surplus is not recognised</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">as the trustees may have control over the use of the surplus. Other NatWest Group schemes that this applies to include the Ulster Bank Pension Scheme (NI) and the NatWest Markets section.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">NatWest Group expects to make contributions to the Main section of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2022_To_12_31_2022_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_srt_StatementScenarioAxis_srt_ScenarioForecastMember_c6Bv0et_eUKJp4GS4CPgKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_VxCh7QVH3kGGbQ0jRvE-EQ">714</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million in 2022.</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Following the </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_1_2021_To_3_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_srt_StatementScenarioAxis_nwg_IfDistributionsAreMadeInComingFinancialYearMember_qpZB88dRkEeCGY6liGMqgg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_F3SyjoH5kkmrfAfdNUWr0w">500</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million contribution in March 2021, additional contributions of up to &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2022_To_12_31_2022_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_srt_StatementScenarioAxis_nwg_IfDistributionsAreMadeInComingFinancialYearMember_jXjfyS4mqUGZsbusrDsDaA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_OJx-3EW8GUqSUBgvkyM6MQ">500</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million will be paid to the Main section in 2022, should NatWest Group make further distributions in 2022. This leaves one remaining payment of up to &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2022_To_12_31_2022_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_srt_StatementScenarioAxis_nwg_IfDistributionsAreMadeInComingFinancialYearMember_jXjfyS4mqUGZsbusrDsDaA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="Narr_h7rq-_7QFU6zLVt0XDAcnQ">500</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million to be paid to the Main Section after 2022, in line with the ring-fencing agreement with the Trustee. Such contributions do not constitute a minimum funding requirement as the obligation to pay only arises on the payment of a distribution to shareholders.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">54</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_279da317_16ef_46e8_9ee5_6aeb728f76df"></a><a id="Tc_fOhlUWucP0qqViYSaHtjoQ_1_2"></a><a id="Tc_WOvkWNgb1USjS8e5Hfwrzg_2_2"></a><a id="Tc_7Homn36GW0iwOeFdlVbFvg_2_4"></a><a id="Tc_kW3sNMXzTkOBBYVG8OoGwQ_3_0"></a><a id="Tc_ZwVIUaBgCU2Lpm2ZY1o0Ww_3_2"></a><a id="Tc_sYljjBNr_0y_u7B_szjUkw_3_4"></a><a id="Tc_Wf0cpo3k0UOLqaEnLIzn5g_4_0"></a><a id="Tc_zy-aRjh1HkiJ-ctL17mVYw_5_0"></a><a id="Tc_22g964MpEkmUI68nbBsMpA_6_0"></a><a id="Tc_C8-Ctr4NNUiY2n1SXvAQHQ_7_0"></a><a id="_cfbacca1_7a2f_49cf_ac65_94259dc1e4e9"></a><a id="Tc_7bQgkp959E66s7UQgsjpMw_1_2"></a><a id="Tc_xcd53oAI9UOOgYaaykwOnw_1_4"></a><a id="Tc_5PvV3cutZEaprt2SOcPF6g_2_0"></a><a id="Tc_P-K-my7hf0WfSjj4oXyixw_2_2"></a><a id="Tc_hFj1Ov2b6kGwIQknx7g36w_2_4"></a><a id="Tc_jFPxSv5XIkK9fPMPHNlyyQ_3_0"></a><a id="Tc_e_bEGaO3CEu4GNI2CCfG9Q_4_0"></a><a id="_bf7442ed_b27d_465d_bb32_0a448712010d"></a><a id="Tc_pEQMU4-OEEK0QRyyZSZKaA_1_2"></a><a id="Tc_ppUBhex9nUy8JIicMGMZNQ_1_4"></a><a id="Tc_PDWsVlNUBEO4erXRg7E4YQ_2_2"></a><a id="Tc_hIsE4fTEA06O2Freqk9OHg_2_4"></a><a id="Tc_DYXHJoD8QUiX1abt6cUrHQ_3_0"></a><a id="Tc_hOAH71Zb5ESskzE7PGP5yQ_4_0"></a><ix:continuation id="Tb_AMEGp95xkkmJkdHhuGdL9g_cont2" continuedAt="Tb_AMEGp95xkkmJkdHhuGdL9g_cont3"><ix:continuation id="Tb_k_iId3Ql0E2xMcukNVPwHQ_cont1"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">5 Pensions continued</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:17.95%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">All&#160;schemes</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Amounts recognised on the balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fund asset at fair value</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_falvm384oUiVDvNQOE_EvA_4_2">57,787</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_ra4VFtalUE-DTvyGja8l1Q_4_4">57,249</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Present value of fund liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_4orsccJZNUqLhdjhxfEKsg_5_2">46,808</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_g8-LWNPZWEiqfl6v57B8Iw_5_4">48,864</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Funded status</p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="Tc_iowY58onqECwLm13wPG4jg_6_4">8,385</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets ceiling/minimun funding </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_ifrs-full_EffectOfAssetCeilingMember_MqbOs1EBo0iJGU1oIEOcOw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="Tc_eP19eNV0Mk-F3lPPudoU7w_7_4">7,783</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_oKp7YQOTtkiQza7t9AdkcQ_8_2">488</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Net pension assets/(liability) comprises</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:80.44%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan" scale="6" id="Tc__eSN-MiOn0-wz-sSKv-8BQ_4_4">121</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-top:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" sign="-" scale="6" id="Tc_rOeU7CrIQkGy8Ghz6g_lpg_5_4">602</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The income statement charge comprises<sup 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style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossFromContinuingOperationsPensionSchemes" scale="6" id="Tc_6e6Ric-qp0GtfkmBiSCr8A_3_2">196</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossFromContinuingOperationsPensionSchemes" scale="6" id="Tc_-CCBLiU2ykWNgVqmOHjWtQ_3_4">195</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Discontinued operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossFromDiscontinuedOperationsPensionSchemes" scale="6" id="Tc_t_2sWnuCaUaLXeQoe-1zPQ_4_2">19</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossFromDiscontinuedOperationsPensionSchemes" scale="6" id="Tc_xMafriMKrUW2SpkRj1hKhg_4_4">20</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><div style="margin-top:3pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Funding and contributions by NatWest Group</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the UK, the trustees of defined benefit pension schemes are required to perform funding valuations every <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" format="ixt-sec:durwordsen" name="nwg:FundingValuationsPeriodDefinedBenefitPensionSchemes" id="Narr_UQkrHRtO3kOmy6_pPzY7TA">three years</ix:nonNumeric>. The trustees and the sponsor, with the support of the Scheme Actuary, agree the assumptions used to value the liabilities and to determine future contribution requirements. The funding assumptions incorporate a margin for prudence over and above the expected cost of providing the benefits promised to members, taking into account the sponsor&#8217;s covenant and the investment strategy of the scheme. Similar arrangements apply in the other territories where NatWest Group sponsors defined benefit pension schemes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A full triennial funding valuation of the Main section, effective 31 December 2020, was completed during the year.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">This triennial funding valuation determined the funding level to be <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="2" format="ixt:numdotdecimal" name="nwg:FundingLevelAssumptionsPercentage" scale="-2" id="Narr_U4nEDND3VkKgIYvtBANpbQ">104</ix:nonFraction>%, pension liabilities to be &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="-9" format="ixt:numdotdecimal" name="nwg:PensionLiabilityCalculatedAsPerActuarialAssumptions" scale="9" id="Narr__OsdU6n0vU27Qx-77dXiSw">49</ix:nonFraction> billion and the surplus to be &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="-9" format="ixt:numdotdecimal" name="nwg:DeficitAsPerActuarialAssumptions" scale="9" id="Narr_xBqlIgp3fku3gygM27FH8g">2</ix:nonFraction> billion, all assessed on the agreed funding basis. The average cost of the future service of current members is <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="2" format="ixt:numdotdecimal" name="nwg:AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions" scale="-2" id="Narr_sODze3-4l0aL08IleGHfBA">49</ix:nonFraction>% of salary before contributions from those members. In addition, the sponsor has agreed to meet administrative expenses. Following the ring-fencing agreement with the Trustee reached in 2018, additional contributions of up to &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_srt_StatementScenarioAxis_nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember_xYyp3EZo_0Wsoe0AYcDYDA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FutureContributionToFunding" scale="6" id="Narr_fXeGeO_l0UOKy0IK9S9vAg">500</ix:nonFraction> million p.a. are payable to the Main section should the Group make distributions to shareholders of an equal amount. These contributions are capped at &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-8" format="ixt:numdotdecimal" name="nwg:ActuarialAssumptionCashPayment" scale="9" id="Narr_PIdaW3L-OUCRex71EuN4Fw">1.5</ix:nonFraction> billion in total; &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContributionsToPlanByEmployerCappedAmount" scale="6" id="Narr_d27dDiCJtkinCbU4y0-fhg">500</ix:nonFraction> million was made in 2021 (2020 &#8211; <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="-6" format="ixt-sec:numwordsen" name="nwg:ContributionsToPlanByEmployerCappedAmount" scale="6" id="Narr_tL86fbbmg0WMmFyDgevqHg">Nil</ix:nonFraction>). </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;">The key assumptions used to determine the funding liabilities were the discount rate, which is determined based on fixed interest swap and gilt yields plus </span><span style="font-size:8pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="4" format="ixt:numdotdecimal" name="nwg:ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage" scale="-2" id="Narr_IQjsigStlkuF1ft9_HA7aA">0.64</ix:nonFraction>%</span><span style="font-size:8pt;"> per annum, and mortality assumptions, which result in life expectancies of </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:duryear" name="nwg:ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male" id="Narr_mxINo-BkQ06HM6ftteu-uA"><span style="font-size:8pt;">27.7</span></ix:nonNumeric><span style="font-size:8pt;">/</span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:duryear" name="nwg:ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female" id="Narr_o4lV3qxyXkaX6iNp519AKA"><span style="font-size:8pt;">29.4</span></ix:nonNumeric><span style="font-size:8pt;"> years for males/females who are currently age 60 and </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:duryear" name="nwg:ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male" id="Narr_5j-hZKdCZkmZQrW8LDgbjg"><span style="font-size:8pt;">28.9</span></ix:nonNumeric><span style="font-size:8pt;">/</span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:duryear" name="nwg:ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female" id="Narr_2J3RcVUSGEKqcDYX_L3gyA"><span style="font-size:8pt;">30.7</span></ix:nonNumeric><span style="font-size:8pt;"> years from age 60 for males/females who are currently aged 40.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The 2020 triennial valuation of the Group Pension Fund included an allowance for the estimated impact of guaranteed minimum pension equalisation, which is reflected in the IAS 19 valuation at 31 December 2021. As such, <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt-sec:numwordsen" name="nwg:AmountOfImpactOfGuaranteedMinimumPensionEqualisation" scale="6" id="Narr_PRAZp7NHP0StdRvJBL2Q7w">no</ix:nonFraction> explicit allowance is required in the IAS 19 figures (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:AmountOfImpactOfGuaranteedMinimumPensionEqualisation" scale="6" id="Narr_O_CqjoklVECP__WJOef_mQ">169</ix:nonFraction> million).</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Accounting Assumptions</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Placing a value on NatWest Group&#8217;s defined benefit pension schemes&#8217; liabilities requires NatWest Group&#8217;s management to make a number of assumptions, with the support of independent actuaries. The ultimate cost of the defined benefit obligations depends upon actual future events and the assumptions made are unlikely to be exactly borne out in practice, meaning the final cost may be higher or lower than expected.</p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">55</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;min-height:268.5pt;"><a id="_60222283_d87f_418f_8d22_da31a2a1fcd4"></a><a id="Tc_bpZalVA-Z02oGwuJ_xUJnA_1_2"></a><a id="Tc_BuPHBZH2yEqb1PiDUmtaZw_2_2"></a><a id="Tc_uuliUEbNn0GE494waqkeqw_2_4"></a><a id="Tc_mwM82GQHl0u0HONr5dRtKA_3_2"></a><a id="Tc_UcHHgT8gPU2zPX4hMNgjWQ_3_4"></a><a id="Tc_CDeKaVD3EEe-XDW049xnlQ_4_0"></a><a id="Tc_17zBg4NG2U-z0ehhA0Pmiw_5_0"></a><a id="Tc_XwT9FScAPE-HtX6q84-ujQ_6_0"></a><a 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Longevity at age 60:</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.89%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.89%;margin:0pt;padding:0pt;"><p 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3pt 0pt 0pt;"><ix:nonNumeric contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionsOfDiscountRatesExpectedRatesOfSalaryAndPensionIncreasesInflationAndMortalityRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_2BTo3Cum2kCKibTseu0HeA" format="ixt-sec:duryear" name="nwg:LongevityAtAge60ForFuturePensionersCurrentlyAged40Females" id="Tc_SMRxiN4xyUqnA6_AJNGO3g_16_4"><span style="font-size:8pt;"> 30.4</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Discount rate</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The IAS 19 valuation uses a single discount rate set by reference to the yield on a basket of &#8216;high quality&#8217; sterling corporate bonds.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Significant judgment is required when setting the criteria for bonds to be included in the basket of bonds that is used to determine the discount rate used in the IAS 19 valuations. The criteria include issue size, quality of pricing and the exclusion of outliers. Judgment is also required in determining the shape of the yield curve at long durations; a constant credit spread relative to gilts is assumed. Sensitivity to the main assumptions is presented below.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The weighted average duration of the Main section&#39;s defined benefit obligation at 31 December 2021 is <ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" format="ixt-sec:durwordsen" name="ifrs-full:WeightedAverageDurationOfDefinedBenefitObligation2019" id="Narr_bj5_wuA30EO3R1qGCT7LiQ">20 years</ix:nonNumeric> (2020 - <ix:nonNumeric contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" format="ixt-sec:durwordsen" name="ifrs-full:WeightedAverageDurationOfDefinedBenefitObligation2019" id="Narr_JIB3tOrdMEG5xLb4TvBYGg">22 years</ix:nonNumeric>). The chart below shows the projected benefit payment pattern for the Main section in nominal terms. These cashflows are based on the most recent formal actuarial valuation, effective 31 December 2020.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><img src="nwg-20211231x20f005.jpg" alt="Graphic" style="display:inline-block;height:268.35pt;left:0%;padding-bottom:0.15pt;position:relative;top:0pt;width:485.3pt;" /></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The larger outflow in the first three years represents the expected level of transfers out to 31 December 2023. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">56</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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id="Tc_vhlGGmGnVkG1099KImc51Q_11_9"></a><a id="Tc_0ZogzyeQV0Wg5NKhiqORqg_11_11"></a><a id="Tc_uTNBxwrk8ky6LjNT4na4ew_11_13"></a><a id="Tc_QFbRcJrqCU2CaG0seD-DYw_11_15"></a><a id="Tc_TLHSmt0itEqFGGv5Wf23DA_11_17"></a><a id="Tc_TGWJJ1v54kKzvr0oMdIfNw_11_19"></a><a id="Tc_SN8-1SC_nUmoOI-o_iVe8g_11_21"></a><ix:continuation id="Tb_AMEGp95xkkmJkdHhuGdL9g_cont4"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">5 Pensions continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The table below shows how the net pension asset of the Main section would change if the key assumptions used were changed independently. In practice the variables have a degree of correlation and do not move completely in isolation.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory" id="Tb_f1zL9cEp_kmy8UuZwN8PHQ" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(Decrease)/</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(Decrease)/</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Increase&#160;in</b></p></td></tr><tr><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">increase&#160;in</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">increase&#160;in</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">net&#160;pension</b></p></td></tr><tr><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">value&#160;of</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">value&#160;of</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">(obligations)/</b></p></td></tr><tr><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">liabilities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">assets</b></p></td></tr><tr><td style="vertical-align:bottom;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Times New Roman','Times','serif';font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_z-J2i6W_10CHVjAkCwj-ZQ" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_3RWJFyOAHkavQG0v2nx-ag">0.25</ix:nonFraction>% increase in interest rates/discount rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_z-J2i6W_10CHVjAkCwj-ZQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_GI1prnVm80-KoFcHeLNvZA_6_2">2,917</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_z-J2i6W_10CHVjAkCwj-ZQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_OI9jEZx02kyqnWR9Qeq4rw_6_4">1,926</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_z-J2i6W_10CHVjAkCwj-ZQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_N-TgFpRzpkS2Ew8KpYExLw_6_6">991</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_cLsD_0tuNkW4EGPDwl16ww" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_jMvuTp5hWU6cSJdplxY-1Q">0.25</ix:nonFraction>% increase in inflation </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_cLsD_0tuNkW4EGPDwl16ww" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_BXrg-CPv7USqoLZ2ULKDlQ_7_2">1,883</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_cLsD_0tuNkW4EGPDwl16ww" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_sNHfHs8ynky75SGoRfWz_Q_7_4">1,329</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_cLsD_0tuNkW4EGPDwl16ww" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_sRBS5G0Sw0mN6dK0mHi_Kw_7_6">554</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_9GF_q_WSxk2yoO2g6-4oIA" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_tF0_jgsAQkazhRIZ-JMMhA">0.25</ix:nonFraction>% increase in credit spreads</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_9GF_q_WSxk2yoO2g6-4oIA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_TsNYiLEXSUaAlnhx0Auo_A_8_2">3</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_9GF_q_WSxk2yoO2g6-4oIA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_jba10_dX50eWACJnSHklWQ_8_4">1,926</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_9GF_q_WSxk2yoO2g6-4oIA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_7qjyqQLYbUWIaKh5r4wkjQ_8_6">1,923</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;">Longevity increase of </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfLongevityIncreaseMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_HMFPEUREbECAQgFCsRFKsg" format="ixt-sec:durwordsen" name="nwg:ActuarialAssumptionOfLongevityIncrease" id="Narr_u14xvPM3aEaXsrSvPC7eKw"><span style="font-size:8pt;">one year</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfLongevityIncreaseMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0J9bYYxvZ0WEgtcv1ZTwmw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_JuK06kDP9kaBMx8e8j8JpA_9_4">1,790</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfLongevityIncreaseMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0J9bYYxvZ0WEgtcv1ZTwmw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_tD-ksmnPGUO23O8Lc-u97Q_9_6">1,790</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_3e6qfdXMekuIeLMlnR0UXA" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_aRO8m8liz0q3wPRL_c5sXA">0.25</ix:nonFraction>% additional rate of increase in pensions in payment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_3e6qfdXMekuIeLMlnR0UXA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_S4hQgfeMMEuPIVwjhhf-JA_10_4">1,485</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_3e6qfdXMekuIeLMlnR0UXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_Uu2NjVtMxk62axM0F-ir7w_10_6">1,485</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:top;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Increase in equity values of <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_YuGjZXKS2E6-8tt0b60t2A" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_7Lc9yz9q9UKVStawYd4IDw">10</ix:nonFraction>% (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_YuGjZXKS2E6-8tt0b60t2A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_sMu5dTe2DUGuEyyzTL2xjg_11_2">442</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_YuGjZXKS2E6-8tt0b60t2A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_Bg83M83iZ0613B_GBeL7Bw_11_6">442</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_uYtCJ3UtGEWqRVqsQBvwvw" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_brow_b1yQEuXjDZ-8_TWCA">0.25</ix:nonFraction>% increase in interest rates/discount rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_uYtCJ3UtGEWqRVqsQBvwvw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_QlBbe34HgUeKwC6FrhkzKA_13_2">2,585</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_uYtCJ3UtGEWqRVqsQBvwvw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_Ujjnwg-_wEGrHMLsDm33QA_13_4">2,384</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_uYtCJ3UtGEWqRVqsQBvwvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_o9VDTjNS6UOyYFMpVcTnYA_13_6">201</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_jpN8mICQTUaPpl_SVShOaw" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_4SrPSYhR20O1Ofotk037UA">0.25</ix:nonFraction>% increase in inflation </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_jpN8mICQTUaPpl_SVShOaw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_H6F0jtOvMUuCjyawjbpYsg_14_2">2,204</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_jpN8mICQTUaPpl_SVShOaw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_f8-G1x7xaEeCF7LY2-WGGQ_14_4">1,603</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_jpN8mICQTUaPpl_SVShOaw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_nokLr2BPKESXX-Wd4NOB_w_14_6">601</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_xQKjJFZfhk6jNkfX02LOog" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_GVrqQSjnikyRRD8VJuhoyw">0.25</ix:nonFraction>% increase in credit spreads</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_xQKjJFZfhk6jNkfX02LOog" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_18ECg9U5FUSpAqvxCMBegg_15_2">6</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_xQKjJFZfhk6jNkfX02LOog" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_oHBJHXORwEGXbcRfqr_lSA_15_4">2,384</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_xQKjJFZfhk6jNkfX02LOog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_7GpgTePe60mAVi0u3m-m9A_15_6">2,378</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;">Longevity increase of </span><ix:nonNumeric contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfLongevityIncreaseMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_m_aUb_2GlUiAq1cKJyZ2WA" format="ixt-sec:durwordsen" name="nwg:ActuarialAssumptionOfLongevityIncrease" id="Narr_t-aTBe7ibUaF6HKDADSArA"><span style="font-size:8pt;">one year</span></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfLongevityIncreaseMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_azOSz63nnEyaKfUNiKJrlw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_qnnQxiwWUUa3KGv_fN9Gyg_16_4">1,930</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfLongevityIncreaseMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_azOSz63nnEyaKfUNiKJrlw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_3DTSziaQoUCienIzH6IFxA_16_6">1,930</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_bAmJEiSFk06KW56xUD4fYw" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="Narr_OY0WuX6DP0mOdlu6qiN9rQ">0.25</ix:nonFraction>% additional rate of increase in pensions in payment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_bAmJEiSFk06KW56xUD4fYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_FJp0gzgevkGee5EV0z_9aQ_17_6">1,608</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Increase in equity values of <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_E1q1EJ4XDEamfxjDSnVEpA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="6" id="Tc_D1tTtxbuUUa8d3WK5jQBtA_18_2">454</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_E1q1EJ4XDEamfxjDSnVEpA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" sign="-" scale="6" id="Tc_yYcgPbSmAkKXP4Mhvq4Vug_18_6">454</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes both quoted and private equity.</span></td></tr></table><div style="margin-top:8pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The funded status is most sensitive to movements in credit spreads and longevity. 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style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:40.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">No change</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-size:6pt;font-weight:bold;">+ </b><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember_C7YqZljkNkqQxfOH1vO9ZA" format="ixt-sec:durwordsen" name="nwg:ActuarialAssumptionOfLongevityIncrease" id="Narr_eeF1vW6Pr0yH-w6iT9azoQ"><b style="color:#42145f;font-size:6pt;font-weight:bold;">1 year</b></ix:nonNumeric></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-size:6pt;font-weight:bold;">+ </b><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember_eI_lMitJPkea2fTWdyZk8w" format="ixt-sec:durwordsen" name="nwg:ActuarialAssumptionOfLongevityIncrease" id="Narr_BaBZPjhmTEqMJlLpx_QH7Q"><b style="color:#42145f;font-size:6pt;font-weight:bold;">2 years</b></ix:nonNumeric></p></td></tr><tr><td style="vertical-align:bottom;width:40.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:40.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Change in credit spreads</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">+<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-4" id="Narr_OdSkfDRTEkS8hWtY5dFj5Q">50</ix:nonFraction> bps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember_WQXt3M33F0u-Sx4JSe9bdw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="9" id="Tc_crY_4TDtB0-AD7qCASzfOA_4_4">6.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember_qoOBFOr0VEqHjfOWc1kyZw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="9" id="Tc_TfVFekh7JE6gubX9bIwaTg_4_6">5.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityNoChangeMember_7MUhGsa_uEWy2r_A-q-Zog" decimals="-8" format="ixt:numdotdecimal" 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contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember_pQbmoXm4ZE2qHc-3-joGVA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="9" id="Tc_2Jp2z4y1aEmYULrWf-PNsA_4_10">2.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember_CEpjUNszAUGJmPwOlUifVg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="9" id="Tc_wwwgV129HECjPkZEw0nzXg_4_12">0.8</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:40.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">No change</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember_WQXt3M33F0u-Sx4JSe9bdw" decimals="-8" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" scale="9" id="Tc_tvbbCZhq6kaccKb2Nrxawg_5_4">3.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember_qoOBFOr0VEqHjfOWc1kyZw" decimals="-8" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" scale="9" id="Tc_dtu8F5ItmkCB11LrpZoAfg_5_6">1.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember_pQbmoXm4ZE2qHc-3-joGVA" decimals="-8" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" sign="-" scale="9" id="Tc_qUewCc_MWU2-VCXQ3a2iLA_5_10">1.8</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember_CEpjUNszAUGJmPwOlUifVg" decimals="-8" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" sign="-" scale="9" id="Tc_qysD8T0GGUOXqfqBNjqtuA_5_12">3.6</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:40.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-<ix:nonFraction 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style="vertical-align:bottom;white-space:nowrap;width:7.86%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember_qoOBFOr0VEqHjfOWc1kyZw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" sign="-" scale="9" id="Tc_vJkEyOqJTESXBiLVBFpvAQ_6_6">2.4</ix:nonFraction>)</b></p></td><td 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contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember_m6lYz92QkUanY5LVxu1fxg" decimals="-8" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" sign="-" scale="9" id="Tc_MVWaYWdHjUOQLuWze_v0JA_10_10">1.9</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> 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solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.86%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" scale="-4" id="Narr_pLjPFizGXEGTQDLJJ6y7AQ">50</ix:nonFraction> bps</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ActuarialAssumptionsAxis_nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_nwg_ChangeInActuarialAssumptionOfLongevityAxis_nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember_TPKGRt6xWkyXI6ngpijDig" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" sign="-" scale="9" 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style="vertical-align:bottom;white-space:nowrap;width:8.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Membership category</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:top;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Active members</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_0MbsYKF-7UO40gpjnV_sBw" decimals="3" format="ixt:numdotdecimal" name="nwg:TotalClassOfSchemeMembers" scale="-2" id="Tc_CoYCppIMAEycloPM4cbO7A_6_2">100.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="3" format="ixt:numdotdecimal" name="nwg:TotalClassOfSchemeMembers" scale="-2" id="Tc_8Msw8bP2ak6-QFYv3UD6TQ_6_4">100.0</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The experience history of NatWest Group schemes is shown below:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:28.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">All&#160;schemes</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:28.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:28.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">History of defined benefit schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:top;width:28.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Fair value of plan assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_JD6VqA-4aE-nqYPW9OP2Tg_4_2">52,021</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_aFKvnHiMdk22Khskr7376w_4_4">51,323</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_X-PbjaZHJEGAr_dRP-V19Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_mv0VjRcHJEyrFxJz3btHNw_4_6">46,555</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_xqZa4aPwzUGCWyk0JACssg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_kjqHC1u91ka8KlwplTyyPg_4_8">43,806</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2017_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_fkF7ociZ70Sd67ev3WOqoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_HM1LUTTw2UyE-n9Jigzl4w_4_10">44,652</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_PPCJYpC9DUa4kfzxG0CXFw_4_12">57,787</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_61SUwaYjMEyBViTuFoxEvQ_4_14">57,249</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_8dI1BO7KekaEiidv2WDumA_4_16">51,925</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_7vkMEYdmKky9HJtpcwsmUA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_IcpQ_owqqk2bSjvYCSeCZg_4_18">48,752</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2017_xEwUjJOCi0O50b6_Y3fTDQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="Tc_sSulHZnm5U2teOHbD2oqpA_4_20">49,746</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:28.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Present value of plan obligations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_4Iynnxnn8Ui3PeLosTy-kA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_CFFALiHc0kS7V7bVbuJhyg_5_2">42,020</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_MVihvs_ykkChxwqXe7Addw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_fTSTwFmwSkCV6Ih4Q2VTYg_5_4">43,870</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_X-PbjaZHJEGAr_dRP-V19Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_dYAmHxlbYEue0qITSfBkwA_5_6">39,669</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_xqZa4aPwzUGCWyk0JACssg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_KYrz2HXZOE67iAR_OOKn_w_5_8">35,466</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2017_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_fkF7ociZ70Sd67ev3WOqoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_6_s7P7hMHEyS9Y_F71pAbg_5_10">37,937</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_bLJK4h6OokSpV1HrSF-0TQ_5_12">46,808</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_zzy3wUpUJUi9jVa3gWcr9Q_5_14">48,864</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_GPVSTS53EEiYm8y-LLlKlg_5_16">44,115</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_7vkMEYdmKky9HJtpcwsmUA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="Tc_xA31f1sghkmqRY8waqRAbw_5_18">39,607</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.32%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_xqZa4aPwzUGCWyk0JACssg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="Tc_Px1nNfZlw02T4-oZCilftg_6_8">8,340</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2017_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_fkF7ociZ70Sd67ev3WOqoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="Tc_QR_kuSy-gkq68w7mxZuQTw_6_10">6,715</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;border-bottom:1.5pt solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2017_xEwUjJOCi0O50b6_Y3fTDQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="Tc_mbj4QKlslEe-KNizqJBovw_6_20">7,368</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:28.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:ActualReturnOnPlanAssets" scale="6" id="Tc_nRVoXfU0vUWtAM9aPiZ17w_10_4">6,422</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ActualReturnOnPlanAssets" scale="6" id="Tc_N_Ss2SNHbkOgQK8oV3Sgfw_10_16">4,930</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2018_To_12_31_2018_mim4UeGIaUKkghqFQUfl2g" decimals="-6" format="ixt:numdotdecimal" name="nwg:ActualReturnOnPlanAssets" sign="-" scale="6" id="Tc_w3v4XErv8E6LxTFXx6dO3g_10_18">848</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2017_To_12_31_2017_NffxAEtlrUuyCHD9NIYXPg" decimals="-6" format="ixt:numdotdecimal" name="nwg:ActualReturnOnPlanAssets" scale="6" id="Tc_j8ar44l8CE6C--yteQLvPg_10_20">3,013</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:28.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Actual return on plan assets %</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_DefinedBenefitPlansAxis_nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lXV3a52ZBEeOf-9m8KkHIQ" decimals="3" format="ixt:numdotdecimal" name="nwg:PercentageOfActualReturnOnPlanAssets" scale="-2" id="Tc_pXFiMofG_kmwN-YMCJW46Q_11_4">13.8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td 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name="nwg:PercentageOfActualReturnOnPlanAssets" scale="-2" id="Tc_ESarTJEClEGOELtJYAjedw_11_16">10.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2018_To_12_31_2018_mim4UeGIaUKkghqFQUfl2g" decimals="3" format="ixt:numdotdecimal" name="nwg:PercentageOfActualReturnOnPlanAssets" sign="-" scale="-2" id="Tc_Ai56yWiheUKZUL-45z4JNw_11_18">1.7</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2017_To_12_31_2017_NffxAEtlrUuyCHD9NIYXPg" decimals="3" format="ixt:numdotdecimal" name="nwg:PercentageOfActualReturnOnPlanAssets" scale="-2" id="Tc_8wjl0ExqFk-MCdeOF0BGOQ_11_20">6.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">%</p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">57</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a6Auditorsremuneration_737976"></a><a id="_09f66b98_944c_4e4e_a9c6_79af2d2a26ed"></a><a id="Tc_qyIZszjYn02x_sJAZLMSPw_1_2"></a><a id="Tc_zP5qtgeiA0OzpC1CjceGMA_1_4"></a><a id="Tc_IFaVZTVHiE2kiArxVRKNhA_1_6"></a><a id="Tc_bpQg2R-ikUivWhCrxKwNlw_2_2"></a><a id="Tc_QSu8rzLEvECbQehAujNRYg_2_4"></a><a id="Tc_e9f4MR5w60SOm5oK0m1jWQ_2_6"></a><a id="Tc_CwX8TWcF1U23OJr_O4bamg_3_0"></a><a id="Tc_vHGH-086Fki_jc25P98Hkg_4_0"></a><a id="Tc_UeJeTJF0s0OT0F24ASVjrg_5_0"></a><a id="Tc_ld0X1ywNzkGOUYVlvPpBiQ_6_0"></a><a id="Tc_VogCVaZdOUail90qfbOxIQ_7_0"></a><a id="Tc_pbO1PsXm50uomCrQJbl_JQ_9_0"></a><a id="Tc_dbwp3Hke2EieA12vR5vJWw_10_0"></a><a id="Tc_-TXVqFuhBk60vhieRqOlOw_11_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfAuditorsRemunerationTextBlock" id="Tb_1BGGI63oVUmvbBtxnGiBKQ" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">6 Auditor&#8217;s remuneration</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Amounts payable to NatWest Group&#39;s auditors for statutory audit and other services are set out below. 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fees payable for :</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- the audit of NatWest Group&#8217;s annual accounts (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts" scale="6" id="Tc_47-P9TDKZ0W-rMVFBKWhdw_4_2">4.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts" scale="6" id="Tc_xzEEh8yLskaI_xgP7Gcrvg_4_4">4.7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts" scale="6" id="Tc_ZjxUADhLxU6fkuLQhhPtGA_4_6">3.8</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- the audit of NatWest Group plc&#8217;s subsidiaries (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfSubsidiaries" scale="6" id="Tc_6pNErnV4U0y6V2kUeCTVdg_5_2">29.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfSubsidiaries" scale="6" id="Tc_vDVvVRpz_UOr5DhmzQKUdw_5_4">30.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfSubsidiaries" scale="6" id="Tc_CvAw10AuMUeA8scu3QJTOA_5_6">25.7</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- audit-related assurance services (1,2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" scale="6" id="Tc_PaxKej2jT0StgzTDTtVMNg_6_2">5.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" scale="6" id="Tc_nGit1oAkskCXl61ejtC7Qg_6_4">4.7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" scale="6" id="Tc_bdhY-KSeXE6jrq7L8ne97A_6_6">3.2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total audit and audit-related assurance services fees</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:AuditorsRemunerationForAuditServices" scale="6" id="Tc_LdiZJQddRk2nRz2pXPNmig_7_2">39.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:AuditorsRemunerationForAuditServices" scale="6" id="Tc_UT7MOPazs0adhPWxnvQyPQ_7_4">40.0</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:AuditorsRemunerationForAuditServices" scale="6" id="Tc_GPVqo04kakyeQJ1CZmYSNA_7_6">32.7</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other assurance services</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" scale="6" id="Tc_mjGVt-w7QE6x3d0pGGK6EQ_9_2">0.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" scale="6" id="Tc__Zd5uRFdAEqSMPX1wfMeVA_9_4">0.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" scale="6" id="Tc_xajdBI7IzUqirJKYBi8CCg_9_6">1.2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Corporate finance services (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" scale="6" id="Tc_mwxe3NvQwUSYCNt7aU9N8A_10_2">0.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" scale="6" id="Tc_OxPhh8RhpkWSCw0NaPdYHg_10_4">0.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" scale="6" id="Tc_GyWPg1bX8E2z1mxQ_WdF4A_10_6">0.6</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total other services</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:AuditorsRemunerationForOtherServices" scale="6" id="Tc_klRHZJpMVkSepbxKShjpYg_11_2">0.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:AuditorsRemunerationForOtherServices" scale="6" id="Tc_qBeQ5yYMBEG-8KapKHqmew_11_4">1.0</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:AuditorsRemunerationForOtherServices" scale="6" id="Tc_Afs_IIwwcEyeQqAcXf4VSQ_11_6">1.8</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The 2021 audit fee was approved by the Group Audit Committee. At 31 December 2021, </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:PaymentOfAuditorsRemuneration" scale="6" id="Narr_bEYU0IZAKU6wWmruk5gvuw">19.7</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million has been billed and paid in respect of the 2021 NatWest Group audit fees.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comprises fees of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation" scale="6" id="Narr_GM2TNhDms0-GQkufhyQMiw">1.1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation" scale="6" id="Narr_ox2lRybCiUu_0lUF6YYXGg">1.1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) in relation to reviews of interim financial information, </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports" scale="6" id="Narr_zvg0RXc3wECK25qOqwojFA">3.5</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports" scale="6" id="Narr_k58tNdsfqE6phGFihIhnLw">3.2</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) in respect of reports to NatWest Group&#8217;s regulators in the UK and overseas, and </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions" scale="6" id="Narr_YgzvCCBHAUmCLWPDv4DwLg">0.7</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions" scale="6" id="Narr_2UuPUWVyLE-o1lFbWu5PtA">0.4</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) in relation to non-statutory audit opinions.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comprises fees of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances" scale="6" id="Narr_sBsWEIgXFka9-KwCdVa23A">0.5</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020&#160;- </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-5" format="ixt:numdotdecimal" name="nwg:AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances" scale="6" id="Narr_InZ7Ey_j9Ue88BtN-hndNg">0.4</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) in respect of work performed by the auditors as reporting accountants on debt and equity issuances undertaken by NatWest Group</span><span 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deferred tax balances. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">For accounting policy information see Accounting policies note 9.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Analysis of the tax charge for the year</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">The tax charge comprises current and deferred tax in respect of profits and losses recognised or originating in the income statement. 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:72.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2020 (1) </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2019 (1) </p></td></tr><tr><td style="vertical-align:bottom;width:72.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:72.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Current tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:72.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;">Charge for the year</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentTaxExpenseIncome" scale="6" id="Tc_IdnoRCIQrkaVxHHFyTUahA_4_2">1,036</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentTaxExpenseIncome" scale="6" id="Tc_kppBuPmMZEm37DwLZCf7hg_4_4">191</ix:nonFraction>)</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" scale="6" id="Tc_HmKC9ryeWUSZwPKysMKYNg_6_4">105</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;margin:0pt;padding:0pt;"><p 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdjustmentsForDeferredTaxOfPriorPeriods" scale="6" id="Tc_ccrrQv6pP0O1I3T4YpAh-g_11_4">90</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="Tc_Rwdusw_eCkSuuDxu9sLO0w_12_2">996</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="Tc_4jJ8Pu8BfEunbWP2vmDP2w_12_4">74</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="Tc_bB18cKvMpUOp5HdAODxnuA_12_6">439</ix:nonFraction>)</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;white-space:pre-wrap;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.  </span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">It was announced in the UK Government&#8217;s budget on 3 March 2021 that the main UK corporation tax rate will increase from </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ApplicableTaxRate" scale="-2" id="Narr_sittPbzX-E2lo6WRczPS9A">19</ix:nonFraction>%</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> to </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_4_1_2023_To_4_1_2023_srt_StatementScenarioAxis_srt_ScenarioForecastMember_hR9keVVM_EK9xfu91tR9rA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ApplicableTaxRate" scale="-2" id="Narr_7hyocCWd1kO1---Q1TPUrg">25</ix:nonFraction>%</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> from 1 April 2023. This legislative change was enacted on 10 June 2021.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Prior year tax adjustments incorporate refinements to tax computations made on submission and agreement with the tax authorities</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">and adjustments to provisions in respect of uncertain tax positions.</span></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:6pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">58</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_219bae1d_65c3_49f8_a012_ccfed2b5db3e"></a><a id="Tc_K6DHFIcOXEGMf7uFf5SHLQ_1_2"></a><a id="Tc_AMdwX5bwm0ufWY2voOSC9Q_1_4"></a><a id="Tc_d8JfLu8lrUWpKupCZg8w5w_1_6"></a><a id="Tc_Y58DjyKLrkuUpUbTwMFovQ_2_0"></a><a id="Tc_-YYRpXiWRUaaZzuPOPPsKw_2_2"></a><a id="Tc_6yBiW8GsNk6QNZeFvEQh-g_2_4"></a><a id="Tc_aycvc7raF0elsLZbsL_Ziw_2_6"></a><a id="Tc_qSnynoGSK0q7f2tywSstVA_3_0"></a><a id="Tc_Mo4KnfPOb0Sf-J7sOvpUMA_4_0"></a><a id="Tc_jZWqyqIHt0yfevPlGAEUzw_5_0"></a><a id="Tc_bK4dyLCSW0eDiGjRAQ36Dw_6_0"></a><a id="Tc_lPQZC0gDMkSrP63gzxtggA_6_4"></a><a id="Tc_gkCPfkqArUCrWNgqqi6PUQ_6_6"></a><a id="Tc_rzWapC_PvUOKyq57BBZhcQ_7_0"></a><a id="Tc_jVBLwJBDWEiikpVTSamqWw_8_0"></a><a id="Tc_esB8IYeW-EmSJeqVQ1OtPA_9_0"></a><a id="Tc_hMicJ1TLxU-ftXQhuBvp1w_10_0"></a><a id="Tc_cYzSL5Mw9UKt9gqEIViiMw_11_0"></a><a id="Tc_wYEqiGKk4Eyjq_8AO_SdeQ_12_0"></a><a id="Tc_xRlNjlejlUisw_dENTfd7w_13_0"></a><a id="Tc_TkVUavuzs0WHWOpWWb848g_13_2"></a><a id="Tc_A414ZHnNa0aOwnA1vLBlZA_13_4"></a><a id="Tc_5eaMTBPYrEqeY1mssL1ruQ_14_0"></a><a id="Tc_Q9p4K6lNnU2C-cJydHDdPw_14_2"></a><a id="Tc_wkPYluk__UugjzGfBfOGVw_14_4"></a><a id="Tc_vEfoUpMORUSQu7Db1bZy5Q_15_0"></a><a id="Tc_p8byBld0H0u0pUJ16moO4g_16_0"></a><a id="Tc_Pw80rD_szEaa70vw1nuDPA_17_0"></a><a id="Tc_tL3AblRwp06gVFOkhOGZvQ_18_0"></a><a id="Tc_3GHAdk6GkEuJ7071dzXNng_19_0"></a><a id="Tc_lwtsdJbrlU2I6r4koAsofg_20_0"></a><a id="Tc_ANrcKxz-6UGa_NPYJ_GMFw_21_0"></a><a id="Tc_CbMuRAuqAECgJbQ_9wAiTQ_21_4"></a><a id="Tc_qLOArktT9U2BqxCKERDKRA_21_6"></a><a id="Tc_n2MZ0DTBHUe50qfWuVqsBg_22_0"></a><a id="Tc_NRlKuOnKYkmBUCoBGKMhFg_23_0"></a><a id="Tc_rkkWuVaElUet4r9vrIR7Pw_24_0"></a><a id="Tc_CFwPDaHiB0yxFI4j0D02jA_24_6"></a><a id="Tc_hcqZy8zakk-Sh4LGo5PLNg_25_0"></a><a id="Tc_hNZiMNsOT0y_R1nnBvvp6w_26_0"></a><a id="Tc_6-p96tMvcUCcS2bhxRriPQ_1_2"></a><a id="Tc_gumE63JJgEeUxgbRbGOWcw_1_4"></a><a id="Tc_me2_pn_KDEWpSsundKtRsw_2_0"></a><a id="Tc_1ZNrDVIPIky3TUpedsNB8Q_3_0"></a><a id="Tc_-8o9lyFInU69fbDEVTXikg_4_0"></a><ix:continuation id="Tb_ehI2MFx1WEaD1FJ0FDkenA_cont1" continuedAt="Tb_ehI2MFx1WEaD1FJ0FDkenA_cont2"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">7 Tax continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Factors affecting the tax charge for the year</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Taxable profits differ from profits reported in the income statement as certain amounts of income and expense may not be taxable or deductible. 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style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:73.35%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2020 (1) </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2019 (1) </p></td></tr><tr><td style="vertical-align:bottom;width:73.35%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" sign="-" scale="6" id="Tc_1FO9uUXUdEqkggeyNTanMA_10_4">14</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" scale="6" id="Tc_RHapo5gmcUSfQYZC44ImrQ_10_6">165</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - other disallowable items</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOfOtherExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" scale="6" id="Tc_PQQU7Q44qkG0beDjvZ_xag_11_4">70</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Alawwal bank merger gain disposal</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnGainOnSaleOfAlawwalBankMergerDisposal" sign="-" scale="6" id="Tc_YMVM1kJWTUqPaA6f36SeIg_13_6">215</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - FX recycling on the liquidation of RFS Holdings</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings" sign="-" scale="6" id="Tc_OfO9MWVTiUSzf5LyHgDr7w_14_6">279</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - other 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style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" sign="-" scale="6" id="Tc_7_dq1Y2YUUKThT6mXDaULg_15_4">28</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" sign="-" scale="6" id="Tc_rnjp_yE_PEm3SWgGkG-HFw_15_6">80</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Taxable foreign exchange movements</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnForeignExchangeMovements" sign="-" scale="6" id="Tc_gsG5RHQNPUihIX8h2XehMQ_16_2">8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnForeignExchangeMovements" scale="6" id="Tc_AiYgGdbvJUKhIcfuXrpePA_16_4">3</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p 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id="Tc_d8fRz8q04kydjXUaJJO83g_17_6">16</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Decrease)/increase in the carrying value of deferred tax assets in respect of:&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - UK losses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncome" scale="6" id="Tc_gUWwpqavLECF7tKHlvj52Q_19_2">9</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_GB_xAgQy_bKtE6boGk3T8Dw5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncome" sign="-" scale="6" id="Tc_cJVdTr8RPUa4trlcQphaPA_19_4">7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_GB_O2iVeVGFikGCRojFLeTu4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncome" sign="-" scale="6" id="Tc_9UxLE62a206zEfVtbLJLgA_19_6">129</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Ireland losses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_IE_slJVSofc3EaHt32CEoD2lg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncome" scale="6" id="Tc_s8JRN7Th90qH6pWcyPWl0A_20_2">27</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_GeographicalAreasAxis_country_IE_sdvvMzgFYkioarQtkxdJHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncome" scale="6" id="Tc_7GMg0T2p3kaTAQPmHzeaXQ_20_4">137</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_GeographicalAreasAxis_country_IE_I7PvrfoILkW7ZJPQTa_TfQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncome" scale="6" id="Tc_5g1u0MieKkyU9YUXdM53SA_20_6">74</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Netherlands losses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_NL_wdF21fa5pkijQKRzcNQnuw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncome" sign="-" scale="6" id="Tc_xTPmf2_tDUKppZId9W9P-w_21_2">48</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Banking surcharge</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnBankingSurcharge" scale="6" id="Tc_cb75WXflskulqzyu3gbiOA_22_2">341</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnBankingSurcharge" scale="6" id="Tc_y37sVbMoZUKEv8YsjBtovw_22_4">27</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnBankingSurcharge" scale="6" id="Tc_rYH0rZ-bekiqyfpfJzUGyg_22_6">199</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tax on paid-in equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncomeTaxBenefitFromServicingCostOfInstruments" scale="6" id="Tc_ICqvVqTsY0ymPkZzzKEGpw_23_2">48</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncomeTaxBenefitFromServicingCostOfInstruments" scale="6" id="Tc_sAGysWSQ20qmuHRPJCJDZg_23_4">61</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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name="ifrs-full:TaxEffectFromChangeInTaxRate" sign="-" scale="6" id="Tc_PfaKDO1O80qRSsHYeyLvgg_24_4">75</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:73.35%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjustments in respect of prior years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnAdjustmentsInRespectOfPriorYears" sign="-" scale="6" id="Tc_NZufuKupcUeNvDsmM7E5kQ_25_2">48</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnAdjustmentsInRespectOfPriorYears" scale="6" id="Tc__Dl1dPcWykqSn7ZXTVywSw_25_4">4</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxEffectOnAdjustmentsInRespectOfPriorYears" sign="-" scale="6" id="Tc_K24AbRf0CUiZGUsnlSnavA_25_6">141</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:73.35%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Actual tax charge</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1.5pt solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="Tc_ZzbUaDNMvEaJdVxMvf5-5A_26_4">74</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="Tc_hrFu_tApqUi55eosPMZOrA_26_6">439</ix:nonFraction>)</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Judgment: tax contingencies</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s corporate income tax charge and its provisions for corporate income taxes necessarily involve a degree of estimation and judgment. The tax treatment of some transactions is uncertain and tax computations are yet to be agreed with the tax authorities in a number of jurisdictions. NatWest Group recognises anticipated tax liabilities based on all available evidence and, where appropriate, in the light of external advice. Any difference between the final outcome and the amounts provided will affect current and deferred income tax charges in the period when the matter is resolved.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Deferred tax</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Deferred tax is the tax expected to be payable or recoverable in respect of temporary differences where the carrying amount of an asset or liability differs for accounting and tax purposes. Deferred tax liabilities reflect the expected amount of tax payable in the future on these temporary differences. 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:81.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:81.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred tax asset</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_fQHFrYmF7Ei0cSERboA9Bg_2_2">1,195</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="Tc_pLRaG8t1VEignWrCvMz1pA_3_2">359</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.89%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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id="Tc_Q9xLcoiik0-os2k0f1gskQ_4_4">610</ix:nonFraction>)</p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">59</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Tax </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Accelerated </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">losses </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">capital</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Expense</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Financial</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">carried </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Pension </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">allowances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">instruments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">forward </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_DeferredTaxPensionMember_PFEWrmmtXkCB4rXcQusfqw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxLiabilityAsset" sign="-" scale="6" id="Tc_UHORat45dECfuO6MsTvyyw_6_2">139</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_DeferredTaxAcceleratedCapitalAllowancesMember_ATJqVunfLUORHKbzt7_dUg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="Tc_9oH5YsSC50uHOvx5EpXT1g_6_4">172</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Charge/(credit) to income statement:</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - continuing operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_DeferredTaxPensionMember_0QIx7w5v7UmiBQc2Uw4rGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="Tc_HPuVhfQaVki0T4_V8Dfx_g_14_2">19</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_DeferredTaxAcceleratedCapitalAllowancesMember_UobLBKUjUUen6pCmnYhjwg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="Tc_8cvi1zU-mEGZ1one4VjlUA_14_4">21</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_DeferredTaxProvisionsMember_ztVg-DjFW0Ww1VUFVKy5NQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_jY0lBOx800OFKXcJDpk8kQ_14_6">5</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_DeferredTaxFairValueOfFinancialInstrumentsMember_xPb4yUScJ0q-OUfdxb-1zA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_Ocofg6KwmUepu2NfunBVKA_14_8">10</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_7A3_xIMeNEiHNDeX298M-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_UCBC188MmkiMgOghFaSQxw_14_10">1</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_OtherTemporaryDifferencesMember_hfAk5xuO_kuF34_9KHADaA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_Z4IVkyFz9Ua5eeWB2v2cDQ_14_12">33</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_9LOQ25xToEm6ozg-nI-4iw_14_14">9</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - discontinued operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_scXxUgAnU0qLp5B3xinkVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="Tc_pqpAHSveS0uNoQECI_GOdw_15_10">3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="Tc_3Ivx6xbilkeKEQI8mcN7ZQ_15_14">3</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:38.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Charge/(credit) to other comprehensive income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.33%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_DeferredTaxPensionMember_0QIx7w5v7UmiBQc2Uw4rGw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome" scale="6" id="Tc_oAlODrfH9UGKO9OLLZPjrQ_16_2">10</ix:nonFraction></b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred tax assets in 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style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK tax losses carried forward</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - NWM Plc</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NatwestMarketsPlcMember_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember__AosFbGVwEaFk2Wy4WGFXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_V9Ulq--nXkes2f2JcDz9FA_4_2">56</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NatwestMarketsPlcMember_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_ZU0_jwp46062om2PD3a35g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" 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contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NationalWestminsterBankPlcMember_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_LNFb9ZI8X0yhm2k33Cvzzw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_NAWnxb6D_kKqoORxr5g8Ew_5_2">608</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NationalWestminsterBankPlcMember_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_oykgmh1Lrki7ubPhiZyAAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_qS5d0NCk70WEYqCNFMluUg_5_4">592</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - RBS plc</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_RbsPlcMember_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_y4sUjuwxp0-X94ozuF_N9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_AR1FLILP3UyAWE58eJJ13g_6_2">176</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_RbsPlcMember_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_hYXnoCYdL0mpFzBTK6H7zA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_bH672DW8A02ELrfijuQa0A_6_4">200</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Ulster Bank Limited</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_UlsterBankMember_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_B54EXgOPiEiJ93s_q5_fwA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_fSuIXiLWbUieKamBfXsm-w_7_4">8</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_5FJ-cris9UWyNoD1yMkgKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_DRx7RYrKHU6b1kpNYFmABg_8_2">840</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_eQGWYy8lNE-AEzMGgtqOqA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_JeOUMHn7xU254kHdLsRa3w_8_4">862</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas tax losses carried forward</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - UBIDAC</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_UbiDacMember_ifrs-full_GeographicalAreasAxis_ifrs-full_ForeignCountriesMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_VF-RQa9r0Eump0eB3echAA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_im0k_NT7OE2xZ9Zzz6x51Q_10_2">11</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_UbiDacMember_ifrs-full_GeographicalAreasAxis_ifrs-full_ForeignCountriesMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_JjtRp_aFj0m5l0toFcAy2Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_2qEUK7WuC0Sc9ekFR7ssXQ_10_4">43</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - NWM N.V.</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NatwestMarketNVMember_ifrs-full_GeographicalAreasAxis_ifrs-full_ForeignCountriesMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_swbBkcfcuk6GFZ4SfJ-4Fg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_D95oDc_lkEquzIdnazGB5g_11_2">48</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_kxOofT8uY0GC0CyppV3fLQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_7vDy6iaWCEWbW_rGeFyUNA_12_2">899</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_nW0Y5LGWUUuRqV8NSJXBsA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_52Q7NjGT5Uei3Iu8ME22HQ_12_4">905</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Critical accounting policy: Deferred tax </b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group has recognised a deferred tax asset of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_wQYjlKsI5U-20Gr79WN_VQ">1,195</ix:nonFraction> million (31 December 2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_m6RDBEa1rUqjX09cA6049A">901</ix:nonFraction> million) and a deferred tax liability of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="Narr_vtrjyH7JdUC4SCTlGlac-g">359</ix:nonFraction> million (31 December 2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="Narr_mPFH93hb9EiMaGYo793siA">291</ix:nonFraction> million). These include amounts recognised in respect of UK and overseas tax losses of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_kxOofT8uY0GC0CyppV3fLQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_OfpcIf86-0CbZ0d_y_8vcg">899</ix:nonFraction> million (31 December 2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_nW0Y5LGWUUuRqV8NSJXBsA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_slAv91fKXUyKhT6wMk1SGQ">905</ix:nonFraction> million). Deferred tax assets are recognised to the extent that it is probable that there will be future taxable profits to recover them.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Judgment</span><span style="font-size:8.5pt;"> &#8211; </span>NatWest Group has considered the carrying value of deferred tax assets and concluded that, based on management&#8217;s estimates, sufficient taxable profits will be generated in future years to recover recognised deferred tax assets. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;">Estimate</span><span style="font-size:8.5pt;"> &#8211; </span>These estimates are partly based on forecast performance beyond the horizon for management&#8217;s detailed plans. They have regard to inherent uncertainties, such as climate change and the impact of COVID. The deferred tax assets in NWM Plc and UBIDAC are supported by way of future reversing taxable temporary differences on which deferred tax liabilities are recognised at 31 December 2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">UK tax losses</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Under UK tax rules, tax losses can be carried forward indefinitely. As the recognised tax losses in NatWest Group arose prior to 1 April 2015, credit in future periods is given against <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_Z-8Bhp8FCUK8LLQGaAhWtQ" decimals="2" format="ixt:numdotdecimal" name="nwg:LimitOfLossesCarriedForwardPercentage" scale="-2" id="Narr_4IS_Fwov3ESAurV7-yYeSw">25</ix:nonFraction>% of profits at the main rate of UK corporation tax, excluding the Banking Surcharge <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_hsm8CbsYFEKBpzCsJHVLOg" decimals="2" format="ixt:numdotdecimal" name="nwg:BankingSurchargeRate" scale="-2" id="Narr_XaxAeMPPtkur3u_xFLVa8Q">8</ix:nonFraction>% rate introduced by The Finance (No. 2) Act 2015.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">It was announced in the UK Government&#39;s budget on 3 March 2021 that the main UK corporation tax rate will increase from <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_country_GB_3IkLZJU2nU6e1AQHzPHyYw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ApplicableTaxRate" scale="-2" id="Narr_onIckpZNp0ygUAGEnRyBFQ"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_hsm8CbsYFEKBpzCsJHVLOg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ApplicableTaxRate" scale="-2" id="Narr_I7QKnz2lwke2J_DQQZmwOQ">19</ix:nonFraction></ix:nonFraction>% to <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_4_1_2023_To_4_1_2023_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_srt_StatementScenarioAxis_srt_ScenarioForecastMember_eoEYtTAlPE-h0afo5kTaTw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ApplicableTaxRate" scale="-2" id="Narr_Qdh2ZGykX02Fa6f5krD1Sg">25</ix:nonFraction>% from 1 April 2023. This legislative change was enacted on 10 June 2021. NatWest Group&#39;s closing deferred tax assets and liabilities have therefore been recalculated taking into account this change of rate and the applicable period the deferred tax assets and liabilities are expected to crystallise. As a result, the net deferred tax asset position in NatWest Group has increased by &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember_LeDa0ivumEaCzCt9cit7pA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDeferredTaxLiabilityAsset" sign="-" scale="6" id="Narr_f_sqVYNDjkK2bKNKEjgzWQ">163</ix:nonFraction> million, with a &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember_LeDa0ivumEaCzCt9cit7pA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" sign="-" scale="6" id="Narr_0R08TbvNlkCygbi3emrCig">165</ix:nonFraction> million tax credit included in the income statement (refer to reconciling item above), and a &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember_LeDa0ivumEaCzCt9cit7pA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome" scale="6" id="Narr_ur-ZPkbwqkiiKao0LREvCQ">2</ix:nonFraction> million tax charge included in other comprehensive income.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">It was subsequently announced in the UK Government&#39;s budget on 27 October 2021 that the UK banking surcharge will decrease from <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_hsm8CbsYFEKBpzCsJHVLOg" decimals="2" format="ixt:numdotdecimal" name="nwg:BankingSurchargeRate" scale="-2" id="Narr_qqy0tW54wE6csa7yWVkhCQ">8</ix:nonFraction>% to <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_4_1_2023_To_4_1_2023_ifrs-full_GeographicalAreasAxis_ifrs-full_CountryOfDomicileMember_srt_StatementScenarioAxis_srt_ScenarioForecastMember_eoEYtTAlPE-h0afo5kTaTw" decimals="2" format="ixt:numdotdecimal" name="nwg:BankingSurchargeRate" scale="-2" id="Narr_v6fojBr27E-p1KoCui0eoA">3</ix:nonFraction>% from 1 April 2023. This legislative change was substantively enacted on 2 February 2022. Had this rate reduction been substantively enacted as at the balance sheet date, the estimated rate change impact would not have been material.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">60</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_ehI2MFx1WEaD1FJ0FDkenA_cont3"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">7 Tax continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:8.5pt;">NWM Plc</span><span style="color:#5e10b1;font-size:8.5pt;"> </span><span style="font-size:8.5pt;">- </span>NWM Plc expects that the balance of recognised deferred tax asset at 31 December 2021 of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_YKNj0lLkLEu_HMTfQtLd1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_jrp9tiYj7EmNh9SxfM8ybg">56</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_dei_LegalEntityAxis_nwg_NatwestMarketsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_QtXaIcQFp0GebHmN00Oi5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr__53WDeRJhkiLQK8PAAXC3A">62</ix:nonFraction> million) in respect of tax losses amounting to &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_YKNj0lLkLEu_HMTfQtLd1w" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsOperatingLossCarryforwards" scale="6" id="Narr_rJFju880-kyvzAX2OdAaag">254</ix:nonFraction> million will be recovered by the end of 2027. The movement in the current financial year reflects a &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_06PF6otui0yzUk6iVGXC7Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDeferredTaxLiabilityAsset" scale="6" id="Narr_v2h8L8MjVESOZcIL0pmBlg">13</ix:nonFraction> million decrease in the carrying value of the deferred tax asset, offset by a &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember_paj-nwfnBESRA-o7xljyVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TaxEffectFromChangeInTaxRate" scale="6" id="Narr_2XRKR14LJES2fDoEpGJX4g">7</ix:nonFraction> million increase due to the UK tax rate change impact.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:8.5pt;">NWB Plc</span><b style="color:#5e10b1;font-size:8.5pt;font-weight:bold;"> </b><span style="font-size:8.5pt;">&#8211;</span><span style="font-size:8.5pt;"> </span>A deferred tax asset of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NationalWestminsterBankPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_6LXSOa8f1ESUpaT-RA9TdA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_SZ-FQpEQjE2igwWIh7TmFw">608</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NationalWestminsterBankPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_21SaAedqaE-e987Ldg7fzA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_TANm64t2A0Waas9dfNOeDQ">592</ix:nonFraction> million) has been recognised in respect of total losses of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NationalWestminsterBankPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_6LXSOa8f1ESUpaT-RA9TdA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsOperatingLossCarryforwards" scale="6" id="Narr_G0aTabKotEWcXWmblulzVw">2,610</ix:nonFraction> million. The losses arose principally as a result of significant impairment and conduct charges between 2009 and 2012 during challenging economic conditions in the UK banking sector. NWB Plc expects the deferred tax asset to be utilised against future taxable profits by the end of 2025.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:8.5pt;">RBS plc </span><span style="font-size:8.5pt;">&#8211; </span>A deferred tax asset of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_RbsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_gXP_qNddkEaBLZQgx1Opaw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_ld7_RLaPaki-2Lp7rlB7fw">176</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_dei_LegalEntityAxis_nwg_RbsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_ZIp5DvkBFk-m02DpPXXKIg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_jMdyNDZBCk2qmu2Qf4SJjg">200</ix:nonFraction> million) has been recognised in respect of losses of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_RbsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_gXP_qNddkEaBLZQgx1Opaw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxLossesForWhichDeferredTaxAssetsAreRecognised" scale="6" id="Narr_esv_gEGs9UmOeT-0I_HsPQ">722</ix:nonFraction> million of total losses of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_RbsPlcMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_gXP_qNddkEaBLZQgx1Opaw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsOperatingLossCarryforwards" scale="6" id="Narr_b9iOZQYCVkGt__xZyAiFQA">3,979</ix:nonFraction> million carried forward at 31 December 2021. The losses were transferred from NatWest Markets Plc as a consequence of the ring fencing regulations. RBS plc expects the deferred tax asset to be utilised against future taxable profits by the end of 2027.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Overseas tax losses</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:8.5pt;">UBIDAC</span><b style="color:#06b3bb;font-size:8.5pt;font-weight:bold;"> </b><span style="font-size:8.5pt;">&#8211; </span>A deferred tax asset of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_UbiDacMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_Rx9f5dzQM0mfTQMZrmQ_fw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_IgBtuyX2m0GG2H-oHWfMNg">11</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_dei_LegalEntityAxis_nwg_UbiDacMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_jRFevU0su02ux6Q7n7kmIA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_NKHmrCj2REyIciKvoszTVg">43</ix:nonFraction> million) has been recognised in respect of losses of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_UbiDacMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_Rx9f5dzQM0mfTQMZrmQ_fw" decimals="-6" format="ixt:numdotdecimal" name="nwg:TaxLossesForWhichDeferredTaxAssetsAreRecognised" scale="6" id="Narr_5UyLS_w6sEanLvTZbB7ovw">88</ix:nonFraction> million, and is now entirely supported by way of future reversing taxable temporary differences on which deferred tax liabilities are recognised at 31 December 2021. The movement in the current financial year reflects a &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_dei_LegalEntityAxis_nwg_UbiDacMember_KxSUl6pFbUmL8qvmEA_wXQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInDeferredTaxLiabilityAsset" scale="6" id="Narr_J8yxxLAI9EC__f4zAti0ug">32</ix:nonFraction> million reduction in the carrying value of the deferred tax asset following the announcement of the Group&#8217;s withdrawal from the Republic of Ireland.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:8.5pt;">NatWest Market N.V. (NWM N.V.) </span><span style="font-size:8.5pt;">- </span>A deferred tax asset of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketNVMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_LZezZJzbhUOZKviAghcLXg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Narr_lZIirz89aEygzrNLSMGm2g">48</ix:nonFraction> million has been recognised in respect of previously unrecognised tax losses and credits of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketNVMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxLossesMember_LZezZJzbhUOZKviAghcLXg" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsOperatingLossCarryforwards" scale="6" id="Narr_BMI4xPNW4ECLoJ9nId4AIw">187</ix:nonFraction> million of total tax losses and credits of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketNVMember_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_ifrs-full_UnusedTaxCreditsMember__Siz5gzjOkSY4K5uuAr62A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsTaxCreditCarryforwardAmount" scale="6" id="Narr_Cw7GZYL1EU68YmYL_xm7vA">2,785</ix:nonFraction> million carried forward at 31 December 2021. NWM N.V. Group expects the deferred tax asset to be utilised against future taxable profits by the end of 2026. NWM N.V. Group&#8217;s Dutch fiscal unit has reported taxable profits in the period since the adoption of the new business model and repurposing of NWM N.V.&#8217;s banking license in 2019. In addition, NatWest Group strategic review of NWM Group has been largely completed in 2021, which has removed material uncertainties around the future business of NWM N.V.. As a result, NWM N.V. Group now considers it to be probable, based on its 5 year budget forecast, that future taxable profit will be available against which the tax losses and tax credits can be partially utilised.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Unrecognised deferred tax</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Deferred tax assets of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxAssetsThatHaveNotBeenRecognised" scale="6" id="Narr_YDzbRoXgY0OCvJToBsjCqg">5,437</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxAssetsThatHaveNotBeenRecognised" scale="6" id="Narr_BKQQ5NsYx0ur0w7HWNUmWw">4,965</ix:nonFraction> million; 2019 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxAssetsThatHaveNotBeenRecognised" scale="6" id="Narr_obGHEeI5NUSUsPIULB3NIQ">4,653</ix:nonFraction> million) have not been recognised in respect of tax losses and other deductible temporary differences carried forward of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" scale="6" id="Narr_D6EJ--lLKUK4weIpu2uKkA">24,699</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" scale="6" id="Narr_fufWHfgaLUK9yvpzvMNvYA">25,091</ix:nonFraction> million; 2019 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" scale="6" id="Narr_ig46rL9oeEyG08DvZORfgw">23,555</ix:nonFraction> million) in jurisdictions where doubt exists over the availability of future taxable profits. Of these losses and other deductible temporary differences, &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_nwg_WithinFiveYearsMember_-gHJabnKDUereFw6UqprKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" scale="6" id="Narr_CtXlrqWhXku59xgBFb4-4Q">77</ix:nonFraction> million expire within five years and &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_Vh_G1gn6M0eVtKw5dTymwQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" scale="6" id="Narr_B25v-axVEEO6_EsLaxdf_Q">4,288</ix:nonFraction> million thereafter. The balance of tax losses and other deductible temporary differences carried forward has no expiry date. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred tax liabilities of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxLiabilitiesNotRecognised" scale="6" id="Narr_h579rkZ6WkuyO6WEAguxWQ">302</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxLiabilitiesNotRecognised" scale="6" id="Narr_a2HZ4LyoWk-E7lAzJPRs5w">242</ix:nonFraction> million; 2019 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:DeferredTaxLiabilitiesNotRecognised" scale="6" id="Narr_whi5kPRFqEuz_hTB02zB2Q">262</ix:nonFraction> million) on aggregate underlying temporary differences of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures" scale="6" id="Narr_8jrIijO7VkOgj1VSkXJi8g">1,032</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures" scale="6" id="Narr_WAWmvmyzXE-W8PBM_XAf-A">1,021</ix:nonFraction> million; 2019 &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures" scale="6" id="Narr_R08Exl8-4EKUkO2CIhRcfg">1,074</ix:nonFraction> million) have not been recognised in respect of retained earnings of overseas subsidiaries and held-over gains on the incorporation of certain overseas branches. Retained earnings of overseas subsidiaries are expected to be reinvested indefinitely or remitted to the UK free from further taxation. <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt-sec:numwordsen" name="nwg:ExpectedFutureTaxationFromUnrecognisedDeferredTaxLiabilities" scale="6" id="Narr_GQ429UbB0EiqVEymT3NAoA">No</ix:nonFraction> taxation is expected to arise in the foreseeable future in respect of held-over gains on which deferred tax is not recognised. Changes to UK tax legislation largely exempts from UK tax overseas dividends received on or after 1 July 2009.</p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">61</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a8Discontinuedoperationsandassetsandliab"></a><a id="Tc_sSyNz17LVEu7YO44K7NmPA_1_2"></a><a id="Tc_iQSIxg6lnUm7IncZ5TJuAg_1_4"></a><a id="Tc_8L20UOV3Q0qnYS8XnA3ChA_1_6"></a><a id="Tc_QMSDNJIMkUud398aypqbQQ_2_2"></a><a id="Tc_xb3OVc2VM0Kr5RCHO5_PPg_2_4"></a><a id="Tc_di12wp1rcUG2s8cXO2Ci2A_2_6"></a><a id="Tc_wZNexL7tZUiv7yJYRIom4A_4_0"></a><a id="Tc_OM0Ey2cbWU6eQclGNGq7rA_5_0"></a><a id="Tc_w7i5Ic5MJkece5HIrM5F8Q_6_0"></a><a id="Tc_X1DW2CISb0OXD6GSFXu2GQ_7_0"></a><a id="Tc_KY70yaKRcEi2H01_qfNsAA_8_0"></a><a id="Tc_9t1QpAVz2U6Zek39bdQX4g_9_0"></a><a id="Tc_HhkzwZ6US0SDAAIFJ4Gxsw_10_0"></a><a id="Tc_nHwmS91yg0WLprRQMefh1w_11_0"></a><a id="Tc_uFJOcX2pI06EdMLNlT9vyg_12_0"></a><a id="Tc_KRJ8nO0biUeUWzI_03tl_w_13_0"></a><a id="Tc_1JLYhs3GNUuj_rkH33riPQ_1_2"></a><a id="Tc__QzEwq9prEyZCtVTyAowvw_2_2"></a><a id="Tc_I48d221hCEGLfcJYB-1h3A_3_0"></a><a id="Tc_78I1fs7yakSZWeql2nq1Dw_4_0"></a><a id="Tc_Eq1QbDrT0U2ezrZFiIeoxw_5_0"></a><a id="Tc_E3SrQ1Q0q0u40BLq9mSDBw_6_0"></a><a id="Tc_VErtAlozV0ygh1P04LY-Sg_8_0"></a><a id="Tc_NVDKlSm0pUKRNExVf_QnZg_9_0"></a><a id="Tc_Ize4zToYZ0ijPD49BVh5yQ_12_0"></a><a id="Tc_qy867ZZvXkWMyh8VMcYOqw_1_2"></a><a id="Tc_4T-ETjH4PEOBXsPEDqGnEA_1_4"></a><a id="Tc_ffBXyddieEOH4y3v8aPxGA_1_6"></a><a id="Tc_jBYOQzGk4EmlKV58CYbmig_2_2"></a><a id="Tc_JmpdtQL7TUO2cnGgSU-sEw_2_4"></a><a id="Tc_hFWqixwiwkCjvrpelKGR5Q_2_6"></a><a id="Tc_ekQ0-v7zL0mj62hQcy1G3Q_3_0"></a><a id="Tc_o3aBUA6Kgk-dJJJZIlu7XA_4_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory" id="Tb_QNhnC10EckSFXJBjgs0kHQ" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">8 Discontinued operations and assets and liabilities of disposal groups </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Discontinued operations are reported separately on the income statement to allow users to distinguish the profits and cash flows from continuing operations from those activities that are subject to disposal.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Assets and liabilities which we intend to dispose of in a single transaction are also presented separately on the balance sheet.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">For accounting policy information see Accounting policies note 3.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">This note sets out the profit/(loss) from the discontinued operations (represented for comparative periods), the assets and liabilities of the disposal group and the operating cash flows attributable to the discontinued operations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_item_iZPKymIsYUuf3fpVdGAPKQ" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfLegallyBindingAgreementsForSaleOfBusiness" scale="0" id="Narr_aVgXxNqJF0yB6DYVdmbhMQ">Two</ix:nonFraction> legally binding agreements for the sale of UBIDAC business were announced in 2021 as part of the phased withdrawal from the Republic of Ireland:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 28 June 2021 we announced it had agreed a binding sale agreement with Allied Irish Banks, p.l.c. for the transfer of c.&#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_6_28_2021_To_6_28_2021_ifrs-full_CounterpartiesAxis_nwg_AlliedIrishBanksP.l.cMember_owiSbf-LfUSUOVOvNIgVXA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" scale="9" id="Narr_B1nHGD7wAU-MccBv-j4fdQ">4.2</ix:nonFraction> billion (plus up to &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_6_28_2021_To_6_28_2021_ifrs-full_CounterpartiesAxis_nwg_AlliedIrishBanksP.l.cMember_owiSbf-LfUSUOVOvNIgVXA" decimals="-8" format="ixt:numdotdecimal" name="nwg:BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure" scale="9" id="Narr_4A1qA3A0H0e4I6GrVVuCkA">2.8</ix:nonFraction> billion of undrawn exposures), of performing commercial loans as well as c.280 colleagues that are wholly or mainly assigned to supporting that part of the business, with the final number of roles to be confirmed as the deal completes. The sale, subject to Competition and Consumer Protection Commission (CCPC) approval, is expected to be completed in a series of transactions during 2022 and Q1 2023.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On the 17 December 2021 we signed a legally binding agreement with Permanent TSB p.l.c. The proposed sale will include performing non-tracker mortgages, the performing loans in the micro-SME business; the UBIDAC Asset Finance business, including its Lombard digital platform, and a subset of Ulster Bank branch locations in the Republic of Ireland. The majority of loans are expected to transfer by Q4 2022. As part of the transaction it is anticipated that c.<ix:nonFraction unitRef="Unit_Standard_item_iZPKymIsYUuf3fpVdGAPKQ" contextRef="Duration_12_17_2021_To_12_17_2021_ifrs-full_CounterpartiesAxis_nwg_PermanentTsbGroupHoldingsP.l.c.Member_na_rJzHXbUGPb-6T6hLvHw" decimals="INF" format="ixt:numdotdecimal" name="nwg:ApproximateNumberOfEmployeesHaveRightToTransfer" scale="0" id="Narr__YHlFxdt70in2cy-cnBGLg">450</ix:nonFraction> colleagues will have the right to transfer under the TUPE regulations with the final number of roles to be confirmed as the deal completes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The business activities relating to these sales that meet the requirements of IFRS 5 are presented as a discontinued operation and as a disposal group at 31 December 2021. The Ulster Bank RoI operating segment continues to be reported separately and reflects the results and balance sheet position of its continuing operations.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">(a) Profit from discontinued operations, net of tax</b></p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory" id="Group_IWGL5s2qJE2N3ZU6EUVoBQ" continuedAt="Group_IWGL5s2qJE2N3ZU6EUVoBQ_2" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest receivable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_X8R7-u23SEebPDjJItHkgw_4_2">260</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_8DPkVDNL4Em6uwXnR4oRnw_4_4">273</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromInterest" scale="6" id="Tc_oC9bSXAEd0qHMaOblpQlcQ_4_6">248</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Net interest income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_5P_u8wYBK0m5OkOW0OHC4g_5_2">260</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_wzTdkbvvqkO99B8xP_oUew_5_4">273</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestRevenueExpense" scale="6" id="Tc_HoNlEIm6RkOVJ-Nje_DOXQ_5_6">248</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NonInterestIncomeExpense" scale="6" id="Tc_zs5-hx8q10yIOS93AeHiUA_6_2">9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="nwg:NonInterestIncomeExpense" scale="6" id="Tc_mrTedVhPjUWL26B4x2eByg_6_4">15</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="nwg:NonInterestIncomeExpense" scale="6" id="Tc_92J0WEvAY0u3NuNit9J4Cw_6_6">18</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_bQQ19fsuf0qizxJ_D7msiw_7_2">269</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_7q0EbWMUH06eHBS0wvOc9Q_7_4">288</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueAndOperatingIncome" scale="6" id="Tc_xe3FJLQxy0m3VENmipReCw_7_6">266</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingExpense" scale="6" id="Tc_MwMd1qhbFU-zKUjykGAzqg_8_2">47</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingExpense" scale="6" id="Tc_tKv-EBf-NEOmRrL2hBnGmA_8_4">47</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingExpense" scale="6" id="Tc_Iz6PmZpT7k-iKBca7mfYCQ_8_6">45</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Profit before impairment losses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss" scale="6" id="Tc_cJHECwzzD0izritNgrDg3w_9_2">222</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss" scale="6" id="Tc_k45yO3C2Ik24QB3B5og81w_9_4">241</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss" scale="6" id="Tc_oq5JDgN2UkOgDo3tAx7VvQ_9_6">221</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Impairment releases/(losses)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="Tc_EDuvoM2uok-zlM1TfMq3fQ_10_2">57</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_vWewnMl4RUW-V_umvS5YSA_10_4">111</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="Tc_TyLlSMl-jUKCQA6QpEPaRQ_10_6">28</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating profit before tax</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_rtEXw9JAfEybFl-Dq9kBjQ_11_2">279</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_GEljWiCiwEGC7LRRyNq5Jg_11_4">130</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="Tc_4PbK1XVtu0-Ir4j4FzuMbw_11_6">249</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tax (charge)/credit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" scale="6" id="Tc_Z6eBHsU_A0WEQkJB2UpPSA_12_2">3</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" scale="6" id="Tc_g1pmUqYiiE-Zv9Vojolldg_12_4">9</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" sign="-" scale="6" id="Tc_CK4wemxDPUmJMREtZQXNdQ_12_6">7</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Profit from discontinued operations, net of tax</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="Tc_T9eFLltKQ0-l5Xa_XYe1IQ_13_2">276</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ikK8G9vCiUCTSdJNZyUo7g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="Tc_QXLtpyN_FE2FpqOVXLN7Zw_13_4">121</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_ZlQlFDXEMUScolLV02pV9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="Tc_cmt7Oe1o60m8C7OBXwDOHw_13_6">256</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">(b) Assets and liabilities of disposal groups</b></p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" id="Tb_Gx70VNqkkEOB_1oi4vomuw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Assets of disposal groups</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_lUCo903oBUCDLquuV_ydDQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="Tc_vu63ZH4cSEKSkBnJxzCLjg_4_2">9,002</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_lUCo903oBUCDLquuV_ydDQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherAssets" scale="6" id="Tc_ApJY3WSwE06zPK6ZM6CbdQ_6_2">8</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_lUCo903oBUCDLquuV_ydDQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherLiabilities" scale="6" id="Tc_06OdjuIC5k-a43lD0x6KeA_9_2">5</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net assets of disposal groups</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:69.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:69.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net cash flows from operating activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_ifrs-full_DiscontinuedOperationsMember_czhstGA7NkqJPs3Vv5EjXw" decimals="-6" format="ixt:numdotdecimal" 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:72.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:1.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Earnings</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:72.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) from continuing operations attributable to ordinary shareholders</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.43%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" scale="6" id="Tc_7L4Dt8_RdkidBrucJ-u96w_4_2">2,674</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction 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style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">As there was a loss from continuing operations attributable to the parent company for the period to 31 December 2020, the effect of share options and convertible securities was not dilutive.</span></td></tr></table></ix:nonNumeric></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><a id="a10Financialinstrumentsclassification_45"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfFinancialInstrumentsExplanatory" id="Tb_DRDFZCbgGUye6jQAA6jtkQ" continuedAt="Tb_DRDFZCbgGUye6jQAA6jtkQ_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">10 Financial instruments &#8211; classification</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">Financial instruments are contracts that give rise to a financial asset of one entity and a corresponding financial liability or equity instrument of a counterparty entity, such as: cash; derivatives; loans; deposits; and settlement balances. This note presents financial instruments classified in accordance with IFRS 9 &#8211; Financial Instruments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Judgment: classification of financial assets</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Classification of financial assets between amortised cost and fair value through other comprehensive income requires a degree of judgment in respect of business models and contractual cashflows.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The business model criteria is assessed at a portfolio level to determine whether assets are classified as held to collect or held to collect and sell. Information that is considered in determining the applicable business model includes the portfolio&#8217;s policies and objectives, how the performance and risks of the portfolio are managed, evaluated and reported to management; and the frequency, volume and timing of sales in prior periods, sales expectation for future periods, and the reasons for sales.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The contractual cash flow characteristics of financial assets are assessed with reference to whether the cash flows represent solely payments of principal and interest. A level of judgment is made in assessing terms that could change the contractual cash flows so that it would not meet the condition for solely payments of principal and interest, including contingent and leverage features, non-recourse arrangements and features that could modify the time value of money.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">For accounting policy information see Accounting policies 10, 12, 13 and 15.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">63</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amortised</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">MFVTPL</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">FVOCI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">cost</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsCashAndCashEquivalentsMember_cCL1v6-yfUqX5kyMzVVYtA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_QrK5Wke3TECWVu3KEiDK-A_4_6">177,757</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsCashAndCashEquivalentsMember_F5bynKb53UGWE3I6rDrYKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_tLN-syI6VEmexQvqC-L-lg_4_10">177,757</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_fAYmOcirOkmqel_4CeSlHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_244bM_cPl0qVGZfe2de3IA_5_2">59,158</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_1NU0W0VXE0S9T7k2xxPWdA_5_10">59,158</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_n9HFymr4tkmK9m5x73qx1Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_YqWj34RO7UCnTxK7XE0EIQ_6_2">106,139</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_Oe7ZTOonFEWHmJIKzuNmRA_6_10">106,139</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetMember_tNFCjInF0063w6p8GbshiA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_7GQqZhiXYk2byDS96uzbHw_7_6">2,141</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetMember_0fVYYSimdUyNbhwz68SG8Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_AhtwnLtN3EOkzkPJrTCjKg_7_10">2,141</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to bank - amortised cost (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostMember_u4omWG_jiEe2PiFTjjTzeg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_zlpT626hakaRfn6WHD7j9Q_8_6">7,682</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostMember_UWVjasDWBUGQm9932slOXg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_JvJfDNoNBESbfIISsZKWpA_8_10">7,682</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostMember_kHghPgs8vEugj-i0R_DuFg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_fjsbrb3asEKsS1319T438g_9_6">358,990</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostMember_kLxXrvhwXkytynhC44-s2A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_E1hd-6SpkU-q2JUNaHFZoQ_9_10">358,990</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_WzhuvrG8UES7Bria3LnsbA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_88AgXweWA0S2pDYxGDuzAw_10_2">317</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_PUxK65bpY0OtCWwqe1LZ2Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_637WT18mTUGYJOpSE-8A9Q_10_4">37,266</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_Ibyievt6N0StDzEzslEihQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_SNjmQ_a2iU2XJDwAMTmISA_10_6">8,562</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsOtherMember_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherAssetsMember_cvNYqIofhE2PV3lmrgHdtA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_EmA7LDLBakqL6Ws0_WmcNg_12_8">8,242</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherAssetsMember_1X1NdfgKHE-ltuRTD3LUyw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_MfaZ9BPdrEic7rnDujDE3w_12_10">8,242</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets of disposal groups</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsOtherMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_AssetsOfDisposalGroupsMember_ZednCqJ54EuQA2OcLEzNmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_gbyR8bUshkO8dQbwXTgeuQ_13_8">9,015</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_AssetsOfDisposalGroupsMember_BSfDCwo_-0majqkPYLRUTQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_5jRVYRnk50KndIhb15waEg_13_10">9,015</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">31 December 2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_dyp8gIOCLE2aUVUmjpvcyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_B-gD2_mzV0KoGRySvCmvEA_14_2">165,614</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_Lo_5JUkRtkKlPP-5ZjySzg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_3s7v4M_SoUiThP9FZvxaMw_14_4">37,266</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_j_kdu9QA-0Snu9JF0YPy1Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_9W24HlMt8EO6CTJkJZikVw_14_6">555,132</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsOtherMember_GtVjo8p9xkifiBv84kTUag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_CQ3ngNG-i0-LXOd8JhXmPw_14_8">23,980</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_0rGgfiXd0UScf8c544JMIA_14_10">781,992</ix:nonFraction></b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsCashAndCashEquivalentsMember_Rcy-HtZc60m5Xy_wHNL8lA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_M0mJZM8GFUaFYFEzN13N4g_1_6">124,489</ix:nonFraction></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_pzeQy4-BJki59JMcJiNWeg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_8BsWbesDO0S99_Qf45QzyA_2_2">68,990</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_HsmhacizXEudG7dkOLlXHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_GbHXnqqK5Ey4-KhT5FvQuA_3_10">166,523</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.31%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetMember_jcF-VsnpoUmus6IU0kTb3A" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostMember_SENwY0J2EkuzprZY09O2IQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_jAKGZsKMcU-OdwAUNf_QWg_5_6">6,955</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostMember_vixTdjWGaE6OOPKzswq_hQ" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostMember_LOdc0aWM6UGVMnpFajj2ng" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_nXuI1n6JXUyNDiowZLK_XA_6_10">360,544</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_Fwm1-7wI6ke48xIjI9sCjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_IouNXjeerUOW9dGWZqVDcg_7_2">440</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_OwegH-VaJ0-gJU1tkzU1Uw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_7GYSSsGT606IeJ3TmZoXKA_7_4">44,902</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_FawLaR_HkEiql5iFNvW0sA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_GND23jgQMkurKIIxK9I-4g_7_6">9,806</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_uY55_dc8-0SPyJRNqK-x6w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_9PC2BpMjlkKBxv9MWj3U9g_7_10">55,148</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Intangible assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsOtherMember_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_7qb18enEV0-qmMRsJqfIdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_DmERg3JoLUq4hDbN2NsMfQ_8_8">6,655</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_dZK7E-mC306WABCxtn0hOw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_1cSe3QIT70GTyQ0pqeQgRA_8_10">6,655</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsOtherMember_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherAssetsMember_Jy8IvZx9okW5J-z7B1229w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_tvOFWpGUUkGoZnihssintA_9_8">7,890</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherAssetsMember_bYYFtFLa9Uy-RVvyLMVOaQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_EoRTpH_EQkW55D8bqjUqVg_9_10">7,890</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.31%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">31 December 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_kSyGs0bjHkeS8f6hAUIFUQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_Ei3R_WnolkmWYzHFCb6hhA_10_2">235,953</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_8BP_3zekKk-PiwSYDOvxjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_TSAbjTe8OECmdttS1QzuJw_10_4">44,902</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.63%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_DAUpCSZv2Ue7D6B6_DaZdQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_VUU6kGbGQ0qsdk8XY1J4cA_10_6">504,091</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.63%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsOtherMember_ASU46610dkela19fk7oO8Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_bsyrbtcLh0K0yEsee8Zz5g_10_8">14,545</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.62%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_vnKd7AAAaECd2x73xEhkNg_10_10">799,491</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Held-for-</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amortised&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">trading</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">DFV </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">cost</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">liabilities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits (4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_N2u3kj0820CQfpQJSk-Pew" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_H9joa8FBYkO5DcqZFm5neA_4_10">26,279</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_u72aIfkgF06pGp40wVVToA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_vY6l5YXyoEeZXuTCHJClLQ_5_6">479,810</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_qYjPWvIVR0ullDfDmA8-Fw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_qUIGx9iwk0uIf-QcloPgnA_5_10">479,810</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SettlementBalancesLiabilitiesMember_RhL8yUZas0qwd7lHuRU6fQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_P176IqIQ2Ui39FUx15ANtw_6_6">2,068</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SettlementBalancesLiabilitiesMember_tt7ujqeDCkGGZ3grv4jfWA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_s8Fx9KubKEaXMym4pyv7Vg_6_10">2,068</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_NzKmcdpY2kWfrMIn1_4OzA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_HJrb1PS2qkiEYuCRy2aR7w_7_2">64,598</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_GWRnV5oJX0yTIYvXZl8chw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_YWfIXue180uA5PCTFG2KFw_8_2">100,835</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_GoCjql_pGEWIYvBYKuHTUA_8_10">100,835</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities (5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_XVaUdQ1pvEqqlF5qcW6klw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_uef58GSbZUawoPRb83MIMg_9_4">1,671</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_qjWLv6MAPEqnCH7y5J71Bg" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ErcUZyD2dkqKQgKYwpwCcg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_heNtxhl06ESbgzDZY2iQxg_10_4">703</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ftdFo_LMVUOkgqNOlrC-Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_ab7xQlTlq0afG28CMyEwQw_10_6">7,726</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_uuVomn5RQ0OCh3n8oID9Sw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_FN1Eu43ovEWd_i7ohNKQ4w_10_10">8,429</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Notes in circulation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember_B_GDoK69xU6B8wm631RGcQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_hYQsnNJipEexatoGRD_KZg_11_6">3,047</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember_6HfQ9dhlLEaAbT5r8_dEJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_lfAv9RZVOkqOL0BgbbBIXg_11_10">3,047</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities (6)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsOtherLiabilitiesMember_W2kPlwXU-0WHkwABskIqGQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_ujcA7YY8FEmK4GQT6-DcSA_12_6">1,356</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_AssetsAndLiabilitiesAxis_nwg_OtherFinancialLiabilitiesCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsOtherLiabilitiesMember_97QEt-JtOUu9YBTP0I8OBA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_AkEdYKM8TEObHSVCkv8oxw_12_8">4,441</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsOtherLiabilitiesMember_nj3WsR0ebUK94HaZHCbmYQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_d6deirNq1kKZYQO07UySUg_12_10">5,797</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">31 December 2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsAndLiabilitiesCategoryMember_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_6tFIiu8v7EGyLj6MGCR1iQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_6c-3SYxIvUe-pBIqJyYbAg_13_2">165,433</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsAndLiabilitiesCategoryMember_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_Irq8uGOjWEKocBNZe1doMw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_O5eErHw6QUy9fGmKup91Nw_13_4">2,374</ix:nonFraction></b></p></td><td 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style="vertical-align:bottom;width:45.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><span style="font-size:8pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits (4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_zlrexCrcRUugaAwta_Jo5g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_wh9hHH4wPUeKPFymN3T5EA_15_6">20,606</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember__0HS--RmCEyF2ikTGIF4kA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_AdPyxfHDEE27UKH4jO0hsw_15_10">20,606</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_QFZF8aQkY0iMhPbXtYgPOg" decimals="-6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SettlementBalancesLiabilitiesMember_jhbzf9MTakuhzpfGabwEHg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_4CNXDTBwekWEjZrNjswThA_17_6">5,545</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SettlementBalancesLiabilitiesMember_9oFeykz2gkON9brK66QKEA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_yqfIknqFhU-nHTmlat4IXA_17_10">5,545</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_Zk7q82NXGUmvTXMP-pjRzA" decimals="-6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_BzTe0A7nj0qtM_zSxCuwnA_18_10">72,256</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_T2-9c8QmskmzNj-J-Gl8Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_Idyc5i4TFkSW1eoETxcutA_19_2">160,705</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ruKd_7avdk2PQOf_zeQOMA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc__o-eibZ2xEWa4tUZKFZMxQ_19_10">160,705</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities (5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_UXA0LLN7Gkm_3gI2ctKRZQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_6MdA4jQKz0ieM8JPfIXHIA_20_4">2,403</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_qNPsUl2k606eKZqs9TyvwQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_86ndMsPlaUG1AFrWyBFWbA_20_6">43,408</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_L70l4HZeXEO38_XUdtSx-g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_a-HCpBpmJEmCspkkW1qmqw_20_10">45,811</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ibTkQtUJK0-g9CUKiOuOvg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_7U77R-Xei0WkdZ0-FVJmxA_21_4">793</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_tAohgHDeqkGTOameXtBFmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_sxUC0jVik0ipddjsVK5j3Q_21_6">9,169</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_Cqd82j87QUO4bDfWCGrqBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_rHcw23zZdUqIGFYItQA7Cg_21_10">9,962</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Notes in circulation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember_WVRTxvFV_0uIirD1bjtYoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_ZrzbsyNeLU6NCcc5d4dfew_22_6">2,655</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember__J5eY5Kmr0SSyXMcFBFZdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_FNc_RISFf0qGoLYWzUBkvA_22_10">2,655</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities (6)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsOtherLiabilitiesMember_s8x1dX0mRUGT_v-WIpFdWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_l40JKRBBzEq3X8TyQjKJzQ_23_6">1,882</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsAndLiabilitiesCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsOtherLiabilitiesMember_oAFMfsPje06aaZNPoFyvig" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_Lg4gZRH7z0iYxyGPBsUrsg_23_8">4,506</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsOtherLiabilitiesMember_x3FgfT36m0iioWFQ-Yuv8A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_8nhjm39ZUEWSWquc8T-zmw_23_10">6,388</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:45.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">31 December 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.69%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsAndLiabilitiesCategoryMember_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_ZApMD0uM5U-bfiICW7AcdQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_AgnJJC-z0k6Gmdo_7GXtow_24_2">232,961</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsAndLiabilitiesCategoryMember_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_E-1rCTv0CEGmkPbbpSmNpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_8cz63Xw12U-7MCkeJHBQpQ_24_4">3,196</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_2lYdEIZIiUmmGq0Kx6fePQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_okz-7QAFE0u2tNj9RJhAwQ_24_6">515,004</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.1%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_AssetsAndLiabilitiesAxis_nwg_FinancialAssetsAndLiabilitiesCategoryMember_-Cf6dt53kU6Ff1AKdnIVlg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Liabilities" scale="6" id="Tc_jZCUcptRXU-eSGhKcEPCzw_24_8">4,506</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.08%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_uk0jfiz00USOd8vSxZMqfQ_24_10">755,667</ix:nonFraction></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">Includes net hedging derivatives assets of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="Narr_m0xNMHTpLkiA2NJRfw3unA">44</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million (2020 -</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_HsmhacizXEudG7dkOLlXHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="Narr_MxTiVirPqEG9prcAD-u7PQ">93</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million) and net hedging derivatives liabilities of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="Narr_DJLYkT2wfkWROF2yagvD8w">120</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ruKd_7avdk2PQOf_zeQOMA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="Narr_zmx_-nT8fku6S5LxIka1Rw">130</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million).</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">Includes items in the course of collection from other banks of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostMember_UWVjasDWBUGQm9932slOXg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="Narr_oXdMeBl1LEqaAY32kZRbgA">67</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostMember_vixTdjWGaE6OOPKzswq_hQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" scale="6" id="Narr_dWwwBM8P0E6GuyQkT4KDQQ">148</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million).</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">(3)</span></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">Includes finance lease receivables of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostMember_kLxXrvhwXkytynhC44-s2A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinanceLeaseReceivables" scale="6" id="Narr_HvQNPfnpYUOVoZEfZUhxVw">8,531</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostMember_LOdc0aWM6UGVMnpFajj2ng" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinanceLeaseReceivables" scale="6" id="Narr_WW7S-H-VXE2oSvUvtAN0TA">9,061</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million).</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">(4)</span></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">Includes items in the course of transmission to other banks of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_N2u3kj0820CQfpQJSk-Pew" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ItemsInCourseOfTransmissionToOtherBanks" scale="6" id="Narr_TYdoRDyfOUSmigjt9joLMg">56</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember__0HS--RmCEyF2ikTGIF4kA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ItemsInCourseOfTransmissionToOtherBanks" scale="6" id="Narr_xUPzfE2VtU-R27yAIAf6vA">12</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> million).</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">(5)</span></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">The carrying amount of other customer accounts designated at fair value through profit or loss is the same as the principal amount for both periods. </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_yeY3mlsLpkung7Ah21e_Qw" decimals="-6" format="ixt-sec:numwordsen" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="Narr_eC82K7Srq0eEaWefE1YO6Q">No</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;"> amounts have been recognised in the profit or loss for changes in credit risk associated with these liabilities as the changes are immaterial both during the period and cumulatively.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">(6)</span></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:5.5pt;">Includes lease liabilities of </span><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">64</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsReverseRepurchaseAgreementMember_KsdI2H8ip0CnX8IMNlKn2w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" scale="6" id="Tc_ouRtJc4qr0SY3rMOT0UuSg_4_2">20,742</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsReverseRepurchaseAgreementMember_vfqzKr6QBk24az345-xaJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" scale="6" id="Tc_xf7PdbrXbkaP-7S7lfv8XA_4_4">19,404</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_yZRXeDk9CkCIGM0kF2KTSg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" scale="6" id="Tc_4yTgEhQTqUWC3FQfPyKJbQ_5_2">189</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_AycLihWbNkS4pJMBye-g_g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" scale="6" id="Tc_Cl5hZp9T2k2V04DXBHlWKg_5_4">153</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_xA8Rx1eP_kyIyH6Ed20JRg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" scale="6" id="Tc_gGAbTURqi0WyEDOkmD68uQ_6_2">25,962</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_sq_j9YNJtESrXKayrw29eA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" scale="6" id="Tc_qLsGcKGnXEibP29Jkp6Emg_6_4">25,011</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksRepurchaseAgreementMember_0f-rPuhvaEGi6QYi4t9-Ag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" scale="6" id="Tc_smO7ZbFgYk2KzgS3CQmY7A_9_2">7,912</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerRepurchaseAgreementMember_myOcGdagf0iEbK8X8zlt9A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" scale="6" id="Tc_fGkJe8yuJkmHZWSr9PZ8Nw_10_2">14,541</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerRepurchaseAgreementMember_UsDhAWw96E2Nt3-ln1bXjQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" scale="6" id="Tc_ElSEWHJq1UqFvuYGXN6gHA_10_4">5,167</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingLiabilitiesRepurchaseAgreementMember_XlL76QokKUeB8naV1Vu8Cg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" scale="6" id="Tc_rGnAOH2ChkiaLG7iMBXz-Q_11_2">19,389</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingLiabilitiesRepurchaseAgreementMember__lgykyU7rEW2OrgUtwyn1Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" scale="6" id="Tc_oDbmIqQlgECX-73YkDKgCQ_11_4">19,036</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The tables below present information on financial assets and financial liabilities that are offset on the balance sheet under IFRS or subject to enforceable 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:22.06%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Instruments&#160;which&#160;can&#160;be&#160;offset</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:35.06%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Potential&#160;for&#160;offset&#160;not&#160;recognised&#160;by&#160;IFRS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Effect&#160;of</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Net&#160;amount&#160;after</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Instruments</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">master&#160;netting</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">the&#160;effect&#160;of&#160;netting</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">outside</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">IFRS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Balance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">and&#160;similar</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Cash</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Securities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">agreements&#160;and</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">netting</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Balance</b></p></td></tr><tr><td style="vertical-align:bottom;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Gross</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">offset</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">sheet</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">agreements</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">collateral</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">collateral</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">related&#160;collateral</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">agreements</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">sheet&#160;total</b></p></td></tr><tr><td style="vertical-align:bottom;width:24.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivative assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_64MS5QIbKEGXVGG32lCsoQ_7_2">113,220</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_a3AIk6GSC0-ToI6xCfw2Yg_7_4">7,961</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_8ZeMsj44_0mIS0PmA-ZdOg_7_6">105,259</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="Tc_D6qPwHcrrkyUQhb-fh2seQ_7_8">85,006</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="Tc_XYx5hpW9MEqGiMCHuCL6kw_7_10">15,035</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="Tc_kNml1FRZKEiGOms0mRfhhw_7_12">2,428</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_aV9z2FBHq02W0-C3Yc0KmA_7_14">2,790</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsNotSubjectToMasterNettingArrangement" scale="6" id="Tc_-NIEpBo4VkuZtRcNf3-NOQ_7_16">880</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ulS2yx0raki3iF77ftYI4A" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_fQU8sPGAuUiSiljw-IjRRw_7_18">106,139</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivative liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_A2qMpWxGf0agZxvGjl1NOA_8_2">108,594</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_bcaYydWA80G0vPgX5FK3wA_8_4">8,568</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_PIGvrvf_MEivR79QiRNMeA_8_6">100,026</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="Tc_Ox0MFO8Hb0iAIMOaHPCZPg_8_8">85,006</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="Tc_gDMAGczINUyxAyiM3Pfdcg_8_10">9,909</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="Tc_j2v-BBUpDEue1c_x1gAWOA_8_12">2,913</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_Lf2XnFPFwkGfzBclVUAE9A_8_14">2,198</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilityNotSubjectToMasterNettingArrangement" scale="6" id="Tc_8IbuTIVU8Em5dCo2nFMpHg_8_16">809</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_IvBSYD9l-UeVvTH1npExKA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_q_8PruRtnUupikFJsJNP7w_8_18">100,835</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net position (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_SWcVi0UW40a9D5gs2o5x9w_9_2">4,626</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_HLGAwHhLskKIFFmMYKgp3w_9_4">607</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_W9yY35jIxEWowTGVkY7qgQ_9_6">5,233</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" sign="-" scale="6" id="Tc_lBASbbOWVECh09BJ4LFKRQ_9_10">5,126</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" scale="6" id="Tc_0iJlx3ByVUmMb0v4VsVUPA_9_12">485</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_T9deJckZz0q3_2qfAbP2Iw_9_14">592</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" scale="6" id="Tc_HfgoilPr7kSJo9L8vS0gUg_9_16">71</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_rfi2YqhsgE6YdYgQrQ9jeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_1je-fbkO00y8mZVLFKZxZg_9_18">5,304</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_TIs6hG8yJEeIbApSGtixdA_11_2">44,529</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_eyaa7yfHq0OwXxBd3hMOXA_11_4">24,422</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_NMkLuwN3CEKyzmDFyEuDGA_11_6">20,107</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="Tc_wZiEQ0_3BUSKGOC3Tb9nzQ_11_8">900</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="Tc_6G7w4X9ETUG-0VAOusMddw_11_12">19,136</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_xjlPDaiZckKnmURcAbRjkg_11_14">71</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilityNotSubjectToMasterNettingArrangement" scale="6" id="Tc_jxt-yD6RvE2UCDKIETopPg_11_16">635</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingReverseRepurchaseAgreementMember_9xBFzn1HgUWOYS6avUkhMQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_rSVYDptMSkeGCHLDou14rg_11_18">20,742</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_4zsnpYBHkU6rT3upAi3rGQ_12_2">42,664</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_WBr7s0S-8EamVpl2aVojuw_12_4">24,422</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_lELPUaRY1kWUG1rtAxltug_12_6">18,242</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="Tc_O99efCkHeUuiqs5ZeypFlQ_12_8">900</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="Tc_FaWt3EJ4mk-iwvHSePAD2w_12_12">17,341</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_doN7Gu_Makylcb1lWC-Z0A_12_14">1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilityNotSubjectToMasterNettingArrangement" scale="6" id="Tc_OCzg-HTw7kWM3acjO3Fkiw_12_16">1,147</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_RhMjWNZUaEGCwLKd90ku7Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_OSR_8-XBrU2vgyflraXNPQ_12_18">19,389</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net position</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_i6K7xFg_H0KyXg6qCLKEOw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_BSwS5AjANUSjpTLvHMPFmQ_13_2">1,865</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_i6K7xFg_H0KyXg6qCLKEOw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_8PyN0oTzy0adJ4TXnsLWlA_13_6">1,865</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_i6K7xFg_H0KyXg6qCLKEOw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" sign="-" scale="6" id="Tc_6oVPFI6cLUmJpqIxuWmgog_13_12">1,795</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_i6K7xFg_H0KyXg6qCLKEOw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_jUU59EV5lkaBJoMpSRXLVA_13_14">70</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_i6K7xFg_H0KyXg6qCLKEOw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" sign="-" scale="6" id="Tc_sZzT4v8m_0KgKpqwaa415w_13_16">512</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_i6K7xFg_H0KyXg6qCLKEOw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_ppEoUEGUB0GrCmhoJzzRWA_13_18">1,353</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non trading reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_uVGbWyd8uUW5Ne8OKaFG_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_RVV9ckzB60mYH1GPLEjT_w_15_2">33,729</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_uVGbWyd8uUW5Ne8OKaFG_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_8WnYtwtO5keuu4FR_gLDfw_15_4">7,594</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_uVGbWyd8uUW5Ne8OKaFG_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_wZn2UlMa106B8hHx7wB0-A_15_6">26,135</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_uVGbWyd8uUW5Ne8OKaFG_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="Tc_g55soLBVl0CnqRfnp06YmQ_15_12">26,135</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_uVGbWyd8uUW5Ne8OKaFG_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsNotSubjectToMasterNettingArrangement" scale="6" id="Tc_ywpuU_7WuU24d7GvmzxnXw_15_16">16</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_uVGbWyd8uUW5Ne8OKaFG_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_fkXQfuYj1kK5Xv-WMNEmqQ_15_18">26,151</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non trading repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_hThM4VhFakqawdduSZk2gA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_4vBFoGD81EmRDDlF82yDgw_16_2">30,047</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_hThM4VhFakqawdduSZk2gA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_cfhGWNVmZ0OJnwo_RZIXFQ_16_4">7,594</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_hThM4VhFakqawdduSZk2gA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_R8DMIu5IL0-X888e_ZOyPA_16_6">22,453</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_hThM4VhFakqawdduSZk2gA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="Tc_v5XFtcFL8kGreMR00GEczg_16_12">22,453</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_hThM4VhFakqawdduSZk2gA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_-hKLwioFOk6_c_pJQvaeAA_16_18">22,453</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net position </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_f5acJxVulkyD9D3CALikAA" decimals="-6" format="ixt:numdotdecimal" name="nwg:GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_ePnlHjhPt0Sok68RdWDMxQ_17_2">3,682</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_f5acJxVulkyD9D3CALikAA" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_CkC_38cgvEqXYMpCZ1GB2A_17_6">3,682</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_f5acJxVulkyD9D3CALikAA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" sign="-" scale="6" id="Tc_Or9ipiEmnkCB3UY3j-hV6w_17_12">3,682</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_f5acJxVulkyD9D3CALikAA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" scale="6" id="Tc_Xu2_gc5M7Eu2nI3T3byF7g_17_16">16</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_f5acJxVulkyD9D3CALikAA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_Tyfdir9DBk2FsgY8U37Jqg_17_18">3,698</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:24.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingRepurchaseAgreementMember_7AFEzZD8J0-Bmdt4lq8V_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_KMhMbhVDk0eo6XdQCGfupw_25_2">42,203</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_LsCmVTaoYkSpy3013NBxFg" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="Tc_qCJciQWaM0ig8ZP0GNNJXw_26_6">1,705</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:24.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non trading reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_KlEyX97Woki6aEcVa32zgw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_SULAzgVosEqiBPmOD41LnA_28_2">36,117</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_KlEyX97Woki6aEcVa32zgw" decimals="-6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_NonTradingReverseRepurchaseAgreementMember_KlEyX97Woki6aEcVa32zgw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_xRKPIFz3zUeniAWg-J7tyA_28_18">25,164</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:24.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non trading repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_7nflwvxcIU-h9CuiyegXbw" decimals="-6" format="ixt:numdotdecimal" 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name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Tc_7YjUbC031kulFTNZn1grsA_29_4">10,953</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_7nflwvxcIU-h9CuiyegXbw" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:6.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_7nflwvxcIU-h9CuiyegXbw" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NonTradingRepurchaseAgreementMember_7nflwvxcIU-h9CuiyegXbw" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.73%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_lIoDLiqCWUKV2ZTqP3oBTA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" scale="6" id="Tc_5SQAtMOOUkiLOuehI_TR6Q_30_18">13,527</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">The net IFRS offset balance of </span><span style="font-size:6pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Narr_jwUKYcwMwEqXeBgW3y0jsQ">607</ix:nonFraction></span><span style="font-size:6pt;"> million (2020 - </span><span style="font-size:6pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="Narr_Hod4JeI1XU6HvsyM7YUAew">733</ix:nonFraction></span><span style="font-size:6pt;"> million)relates to variation margin netting reflected on other balance sheet lines</span><span style="font-size:6pt;">.</span></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;font-weight:bold;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">65</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Tc_pSS_X0Hhika5LKt2yXyUng_1_2"></a><a id="Tc_xL6RvX_ssk2UGnHLsRSGYg_2_2"></a><a id="Tc_BlDxcT3Ir0iPq3jIVPsMWA_2_4"></a><a id="Tc_l6ixXEFTy063788ysoRfQw_2_6"></a><a id="Tc__ztybG78T0SkD7C2dohQ3w_2_8"></a><a id="Tc_hPEXbqfnwkut9YaHSZ9_Mg_3_0"></a><a id="Tc_qw07UynSzU-Xtzf6LMhEdg_3_2"></a><a id="Tc_Kesj8GcbWE2Xg8LsnftqBg_3_4"></a><a id="Tc_0PnlivPAl0qemgH5c0Hvdg_3_6"></a><a id="Tc_xQmcqY8meE2VcxkeCJHZTw_3_8"></a><a id="Tc_h46GeRviM0KM6OgcpOsitg_4_0"></a><a id="Tc_Z-H5ZbyDGU2tG87TONhUiQ_4_6"></a><a id="Tc_FaumLucgzEeRWQ4n7RcXWQ_5_0"></a><a id="Tc_HF0wB5xnzEW44KmsaEUceg_5_2"></a><a id="Tc_xtIxH6tw9U2roK86RelY_w_5_6"></a><a id="Tc_CaXXAyPoHEmSvaYhO9THTg_6_0"></a><a id="Tc_oFmxhLtJN0msqLJCzdirdw_7_0"></a><a id="Tc_RJ0Kf-vJGka1fjF2eeRrYQ_7_6"></a><a id="Tc_m8CP5dD7B0GqTfcndorLnw_9_0"></a><a id="Tc_cMv_A15dxEGIkbdIZeUmAw_9_2"></a><a id="Tc_3OOSkXDbbkCHqkPA8AcV-w_9_6"></a><a id="Tc_6RDXA2A6IU63Ffh77Z4F_A_10_0"></a><a id="Tc_L0S2cnhvcUKDRUmb_mo1Ew_10_2"></a><a id="Tc_qi41EDwxdUWJW-eARmxbTw_10_4"></a><a id="Tc_-MRp2nsGk0K1gAqm1Tu68w_10_6"></a><a id="Tc_J_raWVCldkW8eajo7R5-3g_10_8"></a><a id="Tc_09WAr41VbUSt81PULVvuhg_11_0"></a><a id="Tc_0hAsh2Mmr0yOtvnd287GTA_11_6"></a><a id="Tc_y-4qJPvrAkKTGunxbqON1w_12_0"></a><a id="Tc_A8M6assTO0-4hjebudw5dg_13_0"></a><a id="Tc_83gDXqqa90q0OKSarGUi6Q_13_2"></a><a id="Tc_nobfy53m60mtBFhqhcIwgA_13_6"></a><a id="Tc_FN4E-mC8q0agG28j6tV3zg_15_0"></a><a id="Tc_MJrnzIbYWkS9J1K1KwVvug_17_0"></a><a id="Tc_Qjnxb2UEe0yoPszIds92eA_17_6"></a><ix:continuation id="Tb_DRDFZCbgGUye6jQAA6jtkQ_cont3" continuedAt="Tb_DRDFZCbgGUye6jQAA6jtkQ_cont4"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">10 Financial instruments &#8211; classification continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Interest rate benchmark reform</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The NatWest Group IBOR program successfully delivered the conversion of the vast majority of the IBOR exposures to risk free rates (RFR) in advance of the cessation date. This encompasses loans, deposits, capital instruments and derivatives, which, have been converted using fallback provisions, switch provisions or as part of market-wide conversion events in the case of derivatives subject to clearing. These instruments will convert at the first repricing date post cessation.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The total amount of exposure for NatWest Group at 31 December 2021 subject to the above conversion provisions are &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfInterestRatesAxis_nwg_SubjectToConversionProvisionsUnderIborReformMember_Qe4lJfXAo0qC8mHbMf6U6g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Narr_wxXIDf7bqkqvorg7HUN4BA">22,056</ix:nonFraction> million of assets, &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfInterestRatesAxis_nwg_SubjectToConversionProvisionsUnderIborReformMember_Qe4lJfXAo0qC8mHbMf6U6g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Narr__h--b7AQfkeGzW3B21M0yQ">426</ix:nonFraction> million of liabilities, &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfInterestRatesAxis_nwg_SubjectToConversionProvisionsUnderIborReformMember_Qe4lJfXAo0qC8mHbMf6U6g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossLoanCommitments" scale="6" id="Narr_Rl197rG5c0aZ8q9Tezxn4w">15,785</ix:nonFraction> million of loan commitments and &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_SubjectToConversionProvisionsUnderIborReformMember_S0jIznWY80-YYI4yvzOBEA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_CIL3hO7Vu06ydgcHruDefQ">557.7</ix:nonFraction> billion of derivative notionals.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Despite the significant conversion levels achieved, certain instruments remain in discussion with customers and counterparties to achieve consensual conversion. 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style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Rates&#160;subject&#160;to&#160;IBOR&#160;reform</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">GBP&#160;LIBOR</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">USD&#160;IBOR (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other&#160;IBOR (2)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember__ecBNZX7KUS6gE3Yb7PENw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_itUkO8JunkyWFd3Ul4OWyQ_4_2">62</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_bCzuimIp7keuANcHVQ4FVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_ewWaa2Nz3E-TRO0zWG5wDg_4_4">90</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_XVBCYjQnTEKaRsRPk_RFyA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_a9rBBNM2Q0qtgPxkDHbgPA_4_8">152</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_5sn_DnDe00SQALqvMdaQCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc__-yo-OYzakyFKELeGo-MKQ_5_4">11</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_Ea7lWvWuz0Oy_z1YN2EW5g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" 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contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_21MEVyvkJ0ibmAmvBPcsVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_oG0MiN3yqEamYT_bVsaoUA_6_2">4,788</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_nToU3UTgPkmusTByRvuL-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_zrMsZsWNMke79qFJf42f2w_7_2">864</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_hj0HmhkecUGEgAHfJKEcyg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_7dM6GTH9pkqYnL-K0us4ow_7_4">768</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_WNF1Pc0nJ02Uhl6Eunp1bg" 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style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_2LvoOSwCRkG72laJ_mzFuA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_8eFZC0DhTUmqcifKGR6CQA_9_4">37</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_O1p5PSeUwEy2yRcICyPGvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_Vqa8ujnlQEy0RxKdJPDkjQ_9_8">37</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingLiabilitiesRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_1sdtwkXvLUSLk_4rgvaHKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_M6aUKA-9PkyXxy3NX8uDIA_11_2">31</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingLiabilitiesRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_CgRJLN3frE28_j3WHBs_Ag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_UfUQ6GlRbE-QyrSAIlpL_Q_11_4">166</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingLiabilitiesRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_s8sibTaTwE2BCvrvlf_Zjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_1JcusXGU4E-HfEvor9BXpw_11_8">197</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_lnqgBCCAS0SiO9nf5CWDiA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_XbYiQKEIdkid7RL9cleNTw_12_2">2,390</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedLiabilitiesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_B49rcWUBGU2VenjytuzqvQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_naI58kba0UGxH9jhoe6q7g_13_8">90</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan commitments (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_m1kFZzMga0uuobSnV05KNA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossLoanCommitments" scale="6" id="Tc_pFSBKQMZzE6ejawjFSZIDQ_15_2">1,016</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_3wtdHIuoJUaQAynXZUBqWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossLoanCommitments" scale="6" id="Tc_pDldXo4QbUm_Bxun31xnmg_15_4">6,366</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_VUUC5iWlMEuFn3fBahpocg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossLoanCommitments" scale="6" id="Tc_A4ig4hJYmUy19E-ROmdnCQ_15_6">55</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_6RLytOvJH0-1V7wJXMtlWg" 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style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:61.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Derivatives notional (&#163;bn)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_m_x158e9HE6bMWSp12L_aA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_FVL-6ywHMUK75jDSBdKt0Q_17_2">3.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 9pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_g-6z80JmxEKY04AKgHO1oA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_QhcLKb0DZEikuosND6Db9A_17_4">1,152.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_40NUE92bb0qlpd-x4By3Nw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_c252rSBCVUS8YYD9M7BhJA_17_8">1,155.6</ix:nonFraction></b></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At December 2021 NatWest Group held certain currency swaps with both legs subject to IBOR reform, for which only the GBP LIBOR leg has an explicit or agreed conversion provisions as of 31 December 2021, but not the entire contract. These include currency swaps of GBP LIBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_nwg_IfrsCurrencyAxis_nwg_GbpMember_jWOvCnqGRU2ExKQpIKbGbw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_4AUBnzM-9kW5D4XlhiRorw">8.7</ix:nonFraction> billion with USD IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_nwg_IfrsCurrencyAxis_nwg_GbpMember_8W6TkOyQ_kW3Ack9uXeYQQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_LdR8uGdZU0Oc1tK2Wjb6tQ">8.2</ix:nonFraction> billion and Other IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_nwg_IfrsCurrencyAxis_nwg_GbpMember_nb_GMgSxkkq8VzfJz5EpYg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_-rmjZLuBWUKrF0drUnk7rw">0.5</ix:nonFraction> billion; currency swaps of USD IBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_nwg_IfrsCurrencyAxis_nwg_UsdMember_PSEZdEeO20CM6EwG6EcnVQ" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_xBAW49vYhUaPZYBP_oLbbA">117</ix:nonFraction> billion with GBP LIBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_nwg_IfrsCurrencyAxis_nwg_UsdMember_LMBAvMVJ-kauYqqwDNFO5A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_P3WPqbSULEq4FNgvpRRUWA">91.7</ix:nonFraction> billion and Other IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_nwg_IfrsCurrencyAxis_nwg_UsdMember_o9OE2NznIkefZj5xVq0Kjg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_0cPZanGMrE-3HSkLldkL5g">25.3</ix:nonFraction> billion; currency swaps of EURIBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_nwg_IfrsCurrencyAxis_nwg_EurMember_m-EfAp4JGUKXDLUMd51QsQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_o5rsD59x6UeslOq5bjMYVQ">0.1</ix:nonFraction> billion with GBP LIBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_nwg_IfrsCurrencyAxis_nwg_EurMember__ui01J0yJ0esBXaVjoQrog" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_20v8tqebtUKrz_UXPVx4uQ">0.1</ix:nonFraction> billion; currency swaps of Other IBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_nwg_IfrsCurrencyAxis_nwg_OtherIborMember_Fxw44berg0O3j6MRC2Ma0Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_5Z0CJ_kf0kmnSCj12v2s4g">0.4</ix:nonFraction> billion with USD IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_nwg_IfrsCurrencyAxis_nwg_OtherIborMember_Hgs3UrfYdU-0r-pIZOXlqQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_UYE0TYaCsEWN3I-DaX9v9w">0.4</ix:nonFraction> billion.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8.5pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">66</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_f64f575c_f2fc_4e91_b4a3_d111e7df81a1"></a><a id="Tc_RVxy7vL-60CIQkNJAr99mg_2_2"></a><a id="Tc_ZKPGwKHsVUijPZoZ2fWZlw_3_2"></a><a id="Tc_NKOBwDOHBEmc0lwpeP22MQ_3_4"></a><a id="Tc_gWYjyVV1pUuNCkvdAm7G8A_3_6"></a><a id="Tc_YwRODn6VdUC-wPlc-qRIew_3_8"></a><a id="Tc_90-aN_NDQkKpMm5RI2IFXg_3_10"></a><a id="Tc_xMMqhSn-kkquYBT3yankRQ_4_0"></a><a id="Tc_LBCWqJw6ZkS9lD5j-ZgZsQ_4_2"></a><a id="Tc_U0Y6fujoRkSvnZiQ-SdoEA_4_4"></a><a id="Tc_wtWvw3LYFEKzee6OCOlpOg_4_6"></a><a id="Tc_MpT7EVHXV0Kp_JC-BR5d-A_4_8"></a><a id="Tc_XuFrIXmZ30SHyVlTqMfmzQ_4_10"></a><a id="Tc_pxrRl1mAdESjexfEU6RWmA_5_0"></a><a id="Tc_Pdfucruk_0GH_he2pAb2gg_6_0"></a><a id="Tc_BjLG6PCikEGXEvsabnaYmg_6_8"></a><a id="Tc_zUIGmALB1kWjBoDl5vkYXA_7_0"></a><a id="Tc_FuX_8LDLEk-XfDIkA-0bTw_8_0"></a><a id="Tc_ShnnDONw5kepY1oW2CNbyA_8_8"></a><a id="Tc_FkXtDYxngE6TrFFjLpQclg_10_0"></a><a id="Tc_GAO6Och2zUGYApHkTtyghQ_10_2"></a><a id="Tc_VssRQE3oOkuV_24y51ujVg_10_6"></a><a id="Tc_xZTLDVFri06mGIqCmf1Djg_11_0"></a><a id="Tc_7iv08whCsUm_LUvhLtNNoA_11_2"></a><a id="Tc_375tdsgLVUGMw7nVdssl9A_11_4"></a><a id="Tc_v5l42l_kYUOZgrtupMVVfg_11_6"></a><a id="Tc__Ay4xGWzGkSXq_7B0WGESA_12_0"></a><a id="Tc_YX9F_kMIoUC-uThiwCDGRw_13_0"></a><a id="Tc_UZoj9-llFEGU8pb2HANL5Q_14_0"></a><a id="Tc_Tm0AwMnBb0G493UdCGR2_A_14_8"></a><a id="Tc_-lTC0UIuIEmG769IwieywQ_16_0"></a><a id="Tc_6Dz8zHJrX0qiLfKmrBGw4Q_18_0"></a><a id="Tc___URKftgtEKuWf0N845m9Q_1_2"></a><a id="Tc_wUxHY-40qU-F-XlDYL9tDQ_1_4"></a><a id="Tc_qHGp6DDJTkSRb0iWk5p67A_2_2"></a><a id="Tc_ddNv76cBLkCkEFa0v16-Hg_2_4"></a><a id="Tc_ppnHP4fsvEKv4C413o20XQ_3_2"></a><a id="Tc_l1_O8iCAp0WbtoaeZ3JtSA_3_4"></a><a id="Tc_OQpszAkmPUunsHBD9NYJLA_4_0"></a><a id="Tc_67vzCA8G1U22YgUFFjzpiQ_5_0"></a><a id="Tc_4uwuibrWDUWHBrOkCBsqyA_5_2"></a><ix:continuation id="Tb_DRDFZCbgGUye6jQAA6jtkQ_cont4"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">10 Financial instruments &#8211; classification continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Interest rate benchmark reform</b></p><ix:continuation id="Group_hU8xwopSE0KbdTGuHCDpSA_2"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:47.66%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:47.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:40.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">Rates&#160;subject&#160;to&#160;IBOR&#160;reform</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">GBP&#160;LIBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">USD&#160;IBOR (1)</p></td><td 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0pt;">Other&#160;IBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;m</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_mfZW6ZRBO0aZU8gZ6arJpQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_rZDzjG90rEGF0V0eDYts3w_5_2">75</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_OlDGY85xLECweU1o5Xp42Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_fmrdty9GIUaddXXgA-Nf2w_5_6">348</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_jl2l2E8GgUaEdgLpQA1-bw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_IJVRRHrd80ad_hOrVBiKjg_6_10">206</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to 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style="vertical-align:bottom;white-space:nowrap;width:9.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_iCqn3zLm8066UT3hN114Uw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_YbfWQKtylkC3vN7QEPRvog_7_8">234</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_gO09wu_hjE-Dufvr-hrR4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_env-SvzrAECc1sN60GiGFg_8_2">2,918</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b 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style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_P25MMh9TWU69ERSz3liS0w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_sCfBUt7P5kGW0ocRYcYh9g_8_6">370</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.24%;border-bottom:1px solid 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_PfB_CT03VkGFokTzXlTxLA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_oydmcfrjCkORGcONXpVVRA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_qrhc76std0ytOPDLPXPAQg_11_8">4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_TradingLiabilitiesRepurchaseAgreementMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_TGVgPDsofEOePXTu7-tMrg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_06jr5sibYkm5LsXgWkj6vg_12_4">414</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedLiabilitiesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_9eTWmnPuqkK-0tJm9FXMIQ" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan commitments (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_d5eXHH1YQEOSkPi1DbPEnQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GrossLoanCommitments" scale="6" id="Tc_qtiuF8kNkkOeq9oj21JmTw_16_10">42,702</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:47.66%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives notional (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_EXf8393YPkCahWZe8LN2jg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_eh1qmjjpWUavrBwFRRyFXg_18_2">1,407.5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_2qYmuLiqJ0qjkvq2RdqhFA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_wpeoNudGd0e-8McFpYdOgg_18_4">1,368.8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_nsB2Ts0PGEu_YV6yS08j7w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_hiXO6x0W_0q80yB-6egmSQ_18_6">2,358.7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_dVsJRmoZ_0Kg9u5ImGDVlQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_dtUz4Mni_EqY-d0E3lqUQA_18_8">289.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_InterestRateBenchmarkReformMember_ka5_Bi6ALEa9MsHEIexPSQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_Ou-BrQ4oFkSpdokCUfi5YQ_18_10">5,424.6</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In 2021 the FCA declared that USD IBOR will be non-representative post 30 June 2023; at the time of preparing the 31 December 2020 Annual Report on Form 20-F this date was expected to be 31 December 2021.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In 2021 management concluded that EURIBOR is not expected to be significantly reformed further and therefore any uncertainty due to interest benchmark rate reform for EURIBOR has ended. 31 December 2020 data includes EURIBOR exposure as subject to reform.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Certain loan commitments are multi-currency facilities. Where these are fully undrawn, they are allocated to the principal currency of the facility. Where the facilities are partly drawn, the remaining loan commitment is allocated to the currency with the largest drawn amount.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Included within the 31 December 2020 table above for derivatives were currency swaps with corresponding legs also subject to IBOR reform of GBP LIBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_nwg_IfrsCurrencyAxis_nwg_GbpMember_78-vvEvsAk2zY6T6ws2qfA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_4yEgxNhcDUKbyIc1ZDFteA">5.2</ix:nonFraction> billion with USD IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_nwg_IfrsCurrencyAxis_nwg_GbpMember_yWgp26wsuEmDHz4GOBcM9g" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_aPo_skZnvUiENbBuue3f3g">2.0</ix:nonFraction> billion, EURIBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_nwg_IfrsCurrencyAxis_nwg_GbpMember_zEw-xulHKkyIKzL0t8Ykaw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_ABP0bA4Ux06QZdtY4SxzNg">2.9</ix:nonFraction> billion and Other IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_nwg_IfrsCurrencyAxis_nwg_GbpMember_tMHbbAxJUEmSWiegjkUeKg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_tnDYpNwpeEKikg_YKKYbGQ">0.3</ix:nonFraction> billion. Currency swaps of USD IBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_nwg_IfrsCurrencyAxis_nwg_UsdMember_lJbfJ2Of9EOaDXNI8H73jg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_jhu1SxFLDU2A7lJ50FsN9g">231.7</ix:nonFraction> billion with GBP LIBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_nwg_IfrsCurrencyAxis_nwg_UsdMember_C-c0pA9ci0CmNPyLH12sCw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_-95edF8GVEC_0Yc1TrNgMQ">98.5</ix:nonFraction> billion, EURIBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_nwg_IfrsCurrencyAxis_nwg_UsdMember_ZLuJwXvzzUioBIcq2hQu-g" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_h87t8gS8mk2dgsYpXQ_GvA">85.8</ix:nonFraction> billion and Other IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_nwg_IfrsCurrencyAxis_nwg_UsdMember_Mr-auLuolUCc8RlCJbG1Bw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_yp7vSgn2AEOX8JVM4KstjQ">47.4</ix:nonFraction> billion. Currency swaps of EURIBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_nwg_IfrsCurrencyAxis_nwg_EurMember_gnhdSp24R0yUHX0GgCWA9A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_LDCYWuLU50OuECModfdChw">5.1</ix:nonFraction> billion with GBP LIBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_nwg_IfrsCurrencyAxis_nwg_EurMember_Pvw7VJ6WFEisF5gpvku9Pg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_7V8C0E0b1EOMqN5-CSF-9Q">2.3</ix:nonFraction> billion, USD IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_nwg_IfrsCurrencyAxis_nwg_EurMember_9-oc4dohOUO1fRmcfndxFw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_tltXn7WW0UWiCLlt0H1_Yg">1.8</ix:nonFraction> billion and Other IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_nwg_IfrsCurrencyAxis_nwg_EurMember_tztZrd6tIUW4KVXq0iXY4Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_wF7nUkgr5U-y91FKB5K7uQ">1.0</ix:nonFraction> billion. Currency swaps of Other IBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_ssrpozMxR0WqVFKpyIWScg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_nDHbXBmhDU2K8I8FyeLTMQ">2.2</ix:nonFraction> billion with EURIBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_nwg_IfrsCurrencyAxis_nwg_OtherIborMember_qHQboOn0xEeenzwgxAfLUQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_OLRXV12Ca0aWJIrSnMneVA">0.7</ix:nonFraction> billion, USD IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_nwg_IfrsCurrencyAxis_nwg_OtherIborMember_ufgY0dz2_0e38HBymoezSg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_5awEczSi7UGFNHNhkIW5Hg">1.2</ix:nonFraction> billion and Other IBOR &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_CurrencySwapContractMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_nwg_IfrsCurrencyAxis_nwg_OtherIborMember_NgP01KlrIkKESlxjNNN2xw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_hoOeIomzdketb4HDPFSZWg">0.3</ix:nonFraction> billion.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Additionally, included above are basis swaps for GBP LIBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_BasisSwapsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_VWgN_djdu0-DjeE68fO2Eg" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_NXD4IF1hdUCLul3Sjx89Sg">97</ix:nonFraction> billion, USD IBOR of &#163; <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_BasisSwapsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_n7M-MXFB10KUr5c2QCs9mg" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_3vPhnhrOr0Gbj4lU2szokg">81</ix:nonFraction> billion, EURIBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_BasisSwapsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EurIborMember_W1-RIqYkr0KNsryx4w8JxQ" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_aYDzHvy6mk2Pj1PmETN6vw">49</ix:nonFraction> billion and Other IBOR of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_BasisSwapsMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_F9E3m_j18ESZn9gM-L35RQ" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_yV4UhZqagUezcgml1nf95w">10</ix:nonFraction> billion.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">AT1 issuances</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group has issued certain capital instruments, AT1, under which reset clauses are linked to IBOR rates subject to reform. Where under the contractual terms of the instrument the coupon resets to a rate which has IBOR as a specified component of its pricing structure, these are subject to IBOR reform and listed below:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:ScheduleOfIssuanceOfCapitalInstrumentsTableTextBlock" id="Tb_qOEZnrRKnU6lDB36HOwyig" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="margin-bottom:3pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;white-space:nowrap;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;">31 December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;font-weight:bold;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0.05pt 0pt;">31 December</p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;font-weight:bold;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0.05pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:77.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 0pt 0.05pt 0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0.05pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1.15Billion8NotesMember_Mw_wQ0xOV0KKVv23KFw2Kw" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_TO_mxdMYOkKN-DTbrgXM6Q">1.15</ix:nonFraction> billion <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1.15Billion8NotesMember_Mw_wQ0xOV0KKVv23KFw2Kw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_YGQ4RWIZhUie12wYb6LesA">8</ix:nonFraction>% notes</p></td><td style="vertical-align:bottom;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1.15Billion8NotesMember_Mw_wQ0xOV0KKVv23KFw2Kw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_mntDOHUMEkOsUp6cI9pI4g_4_2">734</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1.15Billion8NotesMember__URu3az0R0mSA8JVYJZq-A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_x5Rc4NWQJEmV_bdE6Y3fEA_4_4">734</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember_laAIj1S4hke6RU8OZXvpfQ" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_vw001mqU4EWf5ABs_29hEA">2.65</ix:nonFraction> billion <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember_laAIj1S4hke6RU8OZXvpfQ" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_1UTVXcyYOUGZxCsTykzc8g">8.625</ix:nonFraction>% notes</p></td><td style="vertical-align:bottom;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0.05pt 0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember_NTbw40-nj0acmsRt79Q8ZQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_Mr3sAfMM10WST1LRA7JiWQ_5_4">2,046</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="margin-bottom:3pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group&#8216;s non-cumulative preference shares of USD$<ix:nonFraction unitRef="Unit_Divide_USD_shares_RbCrR85dP0mUTqI57qE3iQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeriesUNonCumulativePreferenceSharesUS01Member_dfwogxFd_UKRYCdNGerw0g" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_QQmS1Nw28EuLPLNNkHyOYw">0.01</ix:nonFraction> Series U (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeriesUNonCumulativePreferenceSharesUS01Member_dfwogxFd_UKRYCdNGerw0g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Narr_hWcLkPwvd0i1l7oCLqgu2A">494</ix:nonFraction> million) are also subject to IBOR reform.</p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 36pt;"><span style="font-size:1pt;margin-bottom:3pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">67</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a11Financialinstrumentsvaluation_955918"></a><a id="CriticalaccountingpolicyFairvaluefinanci"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfFairValueMeasurementExplanatory" id="Tb_X0faNgEgwEaRgLnJfHbX4w" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;"><span style="white-space:pre-wrap;">Financial instruments recognised at fair value are revalued using techniques that can include observable inputs (pricing information that is readily available in the market, for example UK Government securities), and unobservable inputs (pricing information that is not readily available, for example unlisted securities). Gains and losses are recognised in the income statement and statement of comprehensive income as appropriate.  This note presents information on the valuation of financial instruments.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">The table below provides an overview of the various sections contained within the note.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Critical accounting policy: Fair value - financial instruments</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial instruments classified as mandatory fair value through profit or loss; held-for-trading; designated fair value through profit or loss and fair value through other comprehensive income are recognised in the financial statements at fair value. All derivatives are measured at fair value.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. A fair value measurement considers the characteristics of the asset or liability and the assumptions that a market participant would consider when pricing the asset or liability.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group manages some portfolios of financial assets and financial liabilities based on its net exposure to either market or credit risk. In these cases, the fair value is derived from the net risk exposure of that portfolio with portfolio level adjustments applied to incorporate bid-offer spreads, counterparty credit risk, and funding costs (see &#8217;Valuation Adjustments&#8217;).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Where the market for a financial instrument is not active, fair value is established using a valuation technique. These valuation techniques involve a degree of estimation, the extent of which depends on the instrument&#8217;s complexity and the availability of market-based data. The complexity and uncertainty in the financial instrument&#8217;s fair value is categorised using the fair value hierarchy.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For accounting policy information see Accounting policies notes 10 and 15.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;width:100%;background:#f2f2f2;"><tr><td style="vertical-align:bottom;width:85.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:14.62%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">Page</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:8.5pt;font-weight:bold;">Financial instruments</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">Critical accounting policy: Fair value</span></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">68</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:8.5pt;font-weight:bold;">Valuation</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Fair value hierarchy </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">69</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Valuation techniques </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">69</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Inputs to valuation models </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">69</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Valuation control </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">70</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Key areas of judgment </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">70</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Table of assets and liabilities split by fair value hierarchy level </span>(T)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">71</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:8.5pt;font-weight:bold;">Valuation adjustments</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Table of fair value adjustments made </span>(T)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">71</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Funding valuation adjustments (FVA) </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">72</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Credit valuation adjustments (CVA) </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">72</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Bid-offer </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">72</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Product and deal specific </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">72</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Own credit </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">72</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:8.5pt;font-weight:bold;">Level 3 additional information</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Level 3 ranges of unobservable inputs </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">73</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Table of level 3 instruments, valuation techniques and inputs </span><b style="font-weight:bold;">(T)</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">73</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Level 3 sensitivities </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">74</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Alternative assumptions </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">74</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Other considerations </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">74</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Table of high and low range of fair value of</span></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 11.5pt;"><span style="font-size:8.5pt;">level 3 assets and liabilities </span><b style="font-weight:bold;">(T)</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">74</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Movement in level 3 assets and liabilities over the reporting period </span>(D)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">75</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Table of the movement in level 3 assets and liabilities</span> (T)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">75</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:8.5pt;font-weight:bold;">Fair value of financial instruments measured</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-size:8.5pt;font-weight:bold;">at amortised cost</b></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 5.75pt;"><span style="font-size:8.5pt;">Table showing the fair value of financial instruments measured at amortised cost on the balance sheet </span>(T)</p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">76</span></p></td></tr><tr><td style="vertical-align:bottom;width:85.37%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">(D) = Descriptive; (T) = Table</span></p></td><td style="vertical-align:bottom;width:14.62%;background:#f2f2f2;border-bottom:1px solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">68</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_1"></a><a id="Note11_2"></a><a id="Note11_3"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont1" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont2"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">11 Financial instruments &#8211; valuation continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Valuation</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Fair value hierarchy</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial instruments carried at fair value have been classified under the fair value hierarchy. The classification ranges from level 1 to level 3, with more expert judgment and price uncertainly for those classified at level 3.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The determination of an instrument&#8217;s level cannot be made at a global product level as a single product type can be in more than one level. For example, a single name corporate credit default swap could be in level 2 or level 3 depending on the level of market activity for the referenced entity.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:italic;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-style:normal;">Level 1 &#8211; instruments valued using unadjusted quoted prices in active and liquid markets, for identical financial instruments. Examples include government bonds, listed equity shares and certain exchange-traded derivatives.</span> </p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:italic;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-style:normal;">Level 2 - instruments valued using valuation techniques that have observable inputs. Observable inputs are those that are readily available with limited adjustments required. Examples include most government agency securities, investment-grade corporate bonds, certain mortgage products - including CLOs, most bank loans, repos and reverse repos, state and municipal obligations, most notes issued, certain money market securities, loan commitments and most OTC derivatives.</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:italic;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-style:normal;">Level 3 - instruments valued using a valuation technique where at least one input which could have a significant effect on the instruments valuation, is not based on observable market data. Examples include non-derivative instruments which trade infrequently, certain syndicated and commercial mortgage loans, private equity, and derivatives with unobservable model inputs. </span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Valuation techniques</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:italic;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-style:normal;">NatWest Group derives the fair value of its instruments differently depending on whether the instrument is a non-modelled or a modelled product. </span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:italic;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-style:normal;">Non-modelled products</span><span style="color:#000000;font-style:normal;"> are valued directly from a price input, typically on a position-by-position basis. Examples include equities and most debt securities.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Non-modelled products can fall into any fair value levelling hierarchy depending on the observable market activity, liquidity, and assessment of valuation uncertainty of the instruments. The assessment of fair value and the classification of the instrument to a fair value level is subject to the valuation controls discussed in the Valuation control section.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-weight:normal;">Modelled products </span><span style="color:#000000;font-weight:normal;">valued using a pricing model range in complexity from comparatively vanilla products such as interest rate swaps and options (e.g., interest rate caps and floors) through to more complex derivatives (e.g., balance guarantee swaps). </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For modelled products the fair value is derived using the model and the appropriate model inputs or parameters, as opposed to a cash price equivalent. Model inputs are taken either directly or indirectly from available data, where some inputs are also modelled.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-weight:normal;white-space:pre-wrap;">Fair value classification of modelled instruments is either level 2 or level 3, depending on the product/model combination, the observability and quality of input parameters and other factors. All these must be assessed to classify a position. The modelled product is assigned to the lowest fair value hierarchy level of any significant input used in that valuation.  </span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-weight:normal;">Most derivative instruments, for example vanilla interest rate swaps, foreign exchange swaps and liquid single name credit derivatives, are classified as level 2. This is because they are vanilla products valued using standard market models and with observable inputs. Level 2 products range from vanilla to more complex products, where more complex products remain classified as Level 2 due to the materiality of any unobservable inputs.</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Inputs to valuation models</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">When using valuation techniques, the fair value can be significantly affected by the choice of valuation model and underlying assumptions. Factors considered include the cashflow amounts and timing of those cash flows, and application of appropriate discount rates, incorporating both funding and credit risk. Values between and beyond available data points are obtained by interpolation and extrapolation. The principal inputs to these valuation techniques are as follows:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Bond prices - quoted prices are generally available for government bonds, certain corporate securities, and some mortgage-related products.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Credit spreads - these express the return required over a benchmark rate or index to compensate for the referenced credit risk. Where available, these are derived from the price of credit default swaps or other credit-based instruments, such as debt securities. When direct prices are not available; credit spreads are determined with reference to available prices of entities with similar characteristics. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Interest rates - these are principally based on interest rate swap prices referencing benchmark interest rates. Benchmark rates include Interbank Offered Rates (IBOR) and the Overnight Index Swap (OIS) rate, including SONIA (Sterling Overnight Interbank Average Rate). Other quoted interest rates may also be used from both the bond, and futures markets.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Foreign currency exchange rates - there are observable prices both for spot and forward contracts and futures in the world&#39;s major currencies. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">69</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_4"></a><a id="Note11_5"></a><a id="Keyareasofjudgment_31337"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont2" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont3"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Equity and equity index prices - quoted prices are generally readily available for equity shares listed on the world&#39;s major stock exchanges and for major indices on such shares. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Price volatilities and correlations - volatility is a measure of the tendency of a price to change with time. Correlation measures the degree which two or more prices or variables are observed to move together. Variables that move in the same direction show positive correlation; those that move in opposite directions are negatively correlated.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Prepayment rates - rates used to reflect how fast a pool of assets prepay. The fair value of a financial instrument that can be prepaid by the issuer or borrower differs from that of an instrument that cannot be prepaid. When valuing prepayable instruments, the value of this prepayment option is considered. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Recovery rates/loss given default - these are used as an input to valuation models and reserves for asset-backed securities and other credit products as an indicator of severity of losses on default. Recovery rates are primarily sourced from market data providers, the value of the underlying collateral, or inferred from observable credit spreads.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Valuation control</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#39;s control environment for the determination of the fair value of financial instruments includes formalised procedures for the review and validation of fair values. This review is performed by an independent price verification (IPV) team. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">IPV is a key element of the control environment. Valuations are first performed by the business which entered into the transaction. These valuations are then reviewed by the IPV team, independent of those trading the financial instruments, in light of available pricing evidence. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Independent pricing data is collated from a range of sources. Each source is reviewed for quality and the independent data applied in the IPV processes using a formalised input quality hierarchy. Consensus services are one source of independent data and encompass interest rate, currency, credit, and bond markets, providing comprehensive coverage of vanilla products and a wide selection of exotic products.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Where measurement differences are identified through the IPV process these are grouped by the quality hierarchy of the independent data. If the size of the difference exceeds defined thresholds, an adjustment is made to bring the valuation to within the independently calculated fair value range.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">IPV takes place at least monthly, for all fair value financial instruments. The IPV control includes formalised reporting and escalation of any valuation differences in breach of established thresholds. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The quality and completeness of the information gathered in the IPV process gives an indication as to the liquidity and valuation uncertainty of an instrument and forms part of the information considered when determining fair value hierarchy classifications. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Initial fair value level classification of a financial instrument is carried out by the IPV team. These initial classifications are subject to senior management review. Particular attention is paid to instruments transferring from one level to another, new instrument </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">classes or products, instruments where the transaction price is significantly different from the fair value and instruments where valuation uncertainty is high.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Valuation Committees are made up of valuation specialists and senior business representatives from various functions and oversees pricing, reserving and valuations issues. These committees meet monthly to review and ratify any methodology changes. The Executive Valuation Committee meets quarterly to address key material and subjective valuation issues, to review items escalated by Valuation Committees and to discuss other relevant industry matters.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The Group model risk policy sets the policy for model documentation, testing and review. Governance of the model risk policy is carried out by the Group model risk oversight committee, which comprises model risk owners and independent model experts. All models are required to be independently validated in accordance with the Model Risk Policy.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Key areas of judgment</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Over the years the business has simplified, with most products classified as level 1 or 2 of the fair value hierarchy. However, the diverse range of products historically traded by NatWest Group means some products remain classified as level 3. Level 3 indicates a significant level of pricing uncertainty, where expert judgment is used. As such, extra disclosures are required in respect of level 3 instruments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Over the years the business has simplified, with most products classified as level 1 or 2 of the fair value hierarchy. However, the diverse range of products historically traded by NatWest Group means some products remain classified as level 3. Level 3 indicates a significant level of pricing uncertainty, where expert judgment is used. As such, extra disclosures are required in respect of level 3 instruments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In general, the degree of expert judgment used and hence valuation uncertainty depends on the degree of liquidity of an instrument or input.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Where markets are liquid, little judgment is required. However, when the information regarding the liquidity in a particular market is not clear, a judgment may need to be made. For example, for an equity traded on an exchange, daily volumes of trading can be seen, but for an over the counter (OTC) derivative, assessing the liquidity of the market with no central exchange is more challenging.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">70</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_6"></a><a id="Thetablebelowshowstheassetsandliabilitie"></a><a id="_fc5c565c_a029_4d76_9064_7c71cb2d9ed1"></a><a id="Tc_2xc2LbYqu0q4i-DyovyERQ_1_2"></a><a id="Tc_oxjgEP1qvE2OluYV6u8rMQ_1_10"></a><a id="Tc_q6mKtYeJbk6IPMmiMHloHg_2_2"></a><a id="Tc_jVzxSB2-90OJGWGRaG8GjA_2_4"></a><a id="Tc_A4JRxG94LEOqoGrQkzflvQ_2_6"></a><a id="Tc_etoJyd_4tUG9ekLZOIt8Cg_2_8"></a><a id="Tc_gheR8T302EeUbCsFvdJblA_2_10"></a><a id="Tc_aBIWBTRB6kyLj-pGJzTOhA_2_12"></a><a id="Tc_MYLXS-JpnkiRihLt1Bp02w_2_14"></a><a id="Tc_PZS4sNGePECS5NdnpoG-Pw_2_16"></a><a id="Tc_TA3s-5u21UqNomvkiAh8XQ_3_2"></a><a id="Tc_4gSMqp_PEkKyKaa_6jy46Q_3_4"></a><a id="Tc_vmLNhUPkAkeFRtiWdEeylg_3_6"></a><a id="Tc_qGTqPf-82U6T3ne1znDEkQ_3_8"></a><a id="Tc_MoPiZzuokUe47FhZggPsEg_3_10"></a><a id="Tc_LWwBURlflk-pmp-7obHrFw_3_12"></a><a id="Tc_LYPbLgTp0EKFW6y39kcoHA_3_14"></a><a id="Tc_daYMcE8AfU6cChuXRFXnCw_3_16"></a><a id="Tc_k89pp1Mzo06ILgxIty2Emg_4_0"></a><a id="Tc_95SQ--UdMk2Yyko11T_PbA_5_0"></a><a id="Tc_ezv9RCQdPEuPw5vApLsqwQ_6_0"></a><a id="Tc_KQjOTKJYi0uodesXGufoyg_6_2"></a><a id="Tc_g7lzs1EMak691XMKnZOoxQ_6_10"></a><a id="Tc_8nJsZWjaMEG5nJBd6uInqw_7_0"></a><a id="Tc_ftKFQwn6gUWIOijMy2uPyQ_8_0"></a><a id="Tc_7y3pg5wNl0ar1e0PWqg_Eg_8_2"></a><a id="Tc_fQHVMd1Vpky8FSNOL5R3VQ_8_10"></a><a id="Tc__E7VDrdFI0W-u-AeCqm95Q_9_0"></a><a id="Tc__yHqMW5Z_UKMrgQeKLvz3A_9_2"></a><a id="Tc_rgz9aEJbMUC9mpUU0wQ7Ng_9_6"></a><a id="Tc_OCKOG6gzW0qnSkKagI4YZw_10_0"></a><a id="Tc_IDqDSh_EDEG5usTUgeciRA_10_2"></a><a id="Tc_0SaEk0jz4kal49nG5P7GaQ_10_10"></a><a id="Tc_czFmgDPTeUmf6MgWuKqaGA_11_0"></a><a id="Tc_mLxApI6PB0mPa7KbaaP2XQ_12_0"></a><a id="Tc_sWM56kHrkUq9TrXpDoZroQ_13_0"></a><a id="Tc_M2nYGKGkzkeBODP02g78lA_13_3"></a><a id="Tc_lVAoj_AbwUyhrY0eFkkcEA_13_5"></a><a id="Tc_OvZ5rf1zG0Cn6f6ZJeCqCQ_13_7"></a><a id="Tc_P_YlYZqrvkuqTfOlUBVGpw_13_11"></a><a id="Tc_Hg2SpyLgzUSUxj-OwMAqsQ_13_13"></a><a id="Tc_V6MCd9WejEC8-YZRXAL9Qg_13_15"></a><a id="Tc_ZAg3VFD4d0qdVC2bM0YGvg_15_0"></a><a id="Tc_xmbKsd3hBk61_LlIjm2XHA_16_0"></a><a id="Tc_D-UT0VCm4kO0UfYN4WqjUg_17_0"></a><a id="Tc_FYY-bWWS2kStZKPqRQG2CQ_17_2"></a><a id="Tc_oq0DMNUMYECxxD-VKGV_9g_17_10"></a><a id="Tc_MXwflQXywky92kwsOYhL2Q_18_0"></a><a id="Tc_m7WLoIeKakKdhyQcm4dc_A_18_2"></a><a id="Tc_kMNE8CaoWUihp5wKfL8Abg_18_6"></a><a id="Tc_dU_21bdMkEauxZn3B4HpTw_18_10"></a><a id="Tc_OSRDntwi1kyTdlQwL2GzOA_18_14"></a><a id="Tc_LypXXgknRkOT_5UPCTSHhg_19_0"></a><a id="Tc_-uGJs7k2S0SEvyaJc9f6qw_19_14"></a><a id="Tc_e2IE7UwTgkCSjJ7l-xNJQg_20_0"></a><a id="Tc_bnWswM5uZU2Gct1jt6y8FA_20_2"></a><a id="Tc_9Oir8UoKNUKeD8PGAuv6Ew_20_10"></a><a id="Tc_-_Qjprk3B0in5bMwrZ2BJw_21_0"></a><a id="Tc_jhurigVwF0uY6Dt8sskzfQ_21_2"></a><a id="Tc_5qJ0KAGTskKFj1_SjOYEYA_21_6"></a><a id="Tc_LhzRiDzfo0W7-B-vqCSQ2w_22_0"></a><a id="Tc_lm4OuSNQGUesfyAJ2TVpkA_22_2"></a><a id="Tc_yr-kBM-bzUaoQek9qJP88w_22_6"></a><a id="Tc_Bp-K2yh9w0S0BkPfDIZdhw_22_10"></a><a id="Tc_-3NgOqMryUSRLPbSc4LbQg_22_14"></a><a id="Tc_nKdBU5eTHUGvuHOsy1JUSg_23_0"></a><a id="Tc_IgdlCjWvJ0SwNdtCUkyZ0g_23_2"></a><a id="Tc_JXXZYz5Io0Ork8yUMJtLRA_23_6"></a><a id="Tc_xZeahS59Gkuf73oDFtHM5Q_23_10"></a><a id="Tc_l_S46hxCqkOJokoxSsxUcA_23_14"></a><a id="Tc_P0cvDaqf1EiRdlIQb-xTEA_24_0"></a><a id="Tc_q35DSTLnDU6tHDjBDpNC6A_24_2"></a><a id="Tc_cgPI9ILglEqshc1qLSxaqw_24_6"></a><a id="Tc_LE_58ObWi0emMljnuzhNMA_24_10"></a><a id="Tc_8hUtHJM7hEij23d4vDUgVw_24_14"></a><a id="Tc_H9lFQ5QTZU2BMH0pnJvBpg_25_0"></a><a id="Tc_AbFRhM68Bk2SrME1Ssu_Pw_26_0"></a><a id="Tc_orOqI7fmRUi54CW7Jbh2WQ_26_3"></a><a id="Tc_6GOQ49ddlUaZINM5RKJK8Q_26_5"></a><a id="Tc_-QMinC3P90SbjeI4nxuCYQ_26_7"></a><a id="Tc_Aqns0cvJDUS3dJgPBE1iZA_26_11"></a><a id="Tc_IE3wrSTac02krXmTxtCD-w_26_13"></a><a id="Tc_9U87y0k5skSrLbBjQJipkQ_26_15"></a><a id="Note11_7"></a><a id="Tc_1rsYw6O9A0K_-eRK77teIA_1_2"></a><a id="Tc_3uswBNDIdUS8SzuumNwCrA_1_4"></a><a id="Tc_Z-lpCuZYR0mFc5Fb4ZK3hg_2_0"></a><a id="Tc_NCPenWKsyky_EeKHupRQsA_2_2"></a><a id="Tc_qoA3O-NgPEGDS0UzrqEdIw_2_4"></a><a id="Tc_YM2tj3QTy02KcwQ7RSEEEQ_3_0"></a><a id="Tc_tUMkXxdZcEGvJpXgmAIGJA_4_0"></a><a id="Tc_EAB3Pw9gxkeYOtCui1CnuA_5_0"></a><a id="Tc_wPEDduIISEaKJF3zFuEIXQ_6_0"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont3" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont4"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A key related matter is where a market moves from liquid to illiquid or vice versa. Where this movement is considered temporary, the fair value level is not changed. For example, if there is little market trading in a product on a reporting date but at the previous reporting date and during the intervening period the market has been liquid. In this case, the instrument will continue to be classified at the same level in the hierarchy. This is to provide consistency so that transfers between levels are driven by genuine changes in market liquidity and do not reflect short term or seasonal effects. Material movements between levels are reviewed quarterly by the Business and IPV.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The breadth and depth of the IPV data allows for a rules-based quality assessment to be made of market activity, liquidity, and pricing uncertainty, which assists with the process of allocation to an appropriate level. Where suitable independent pricing information is not readily available, the quality assessment will result in the instrument being assessed as level 3.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The table below shows the assets and liabilities held by NatWest Group split by fair value hierarchy level. Level 1 are considered the most liquid instruments, and level 3 the most illiquid, valued using expert judgment and hence carry the most significant price uncertainty.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock" id="Tb_c80odTpKdUqHY03dH04KvQ" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:34.11%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:32.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:30.85%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Level&#160;1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Level&#160;2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Level&#160;3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Level&#160;1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Level&#160;2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Level&#160;3</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:34.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_LDNHNiv6tk-Xl6jieQ1LoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_fVWjreh6O0SPv1I6AmTh9w_6_12">39,550</ix:nonFraction></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingLoansMember_ZT_OmNBTFEWvUasmEpmBFQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_wzvpv6Pp4U-kfwjXQ8bDSw_6_16">39,775</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Securities</p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_TradingSecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_4GsXw7cQC0eWeYgdXKPNpg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_Uk6wkPD4okiKSNZLNa11zg_7_14">81</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Loans</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_cB6TpMOW8E-ZDuNr7NLORw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_w57vt8DhGUWNiIVEKHCznA_10_4">359</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_tF-jYdD_d02Fd6RRWxHkBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_6M6v2ZWLiUqMBiv-FHijzQ_10_6">207</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherLoansMember_uPmYYMz7cE-BZvIrYuR6cg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_ElxjhKXA3k67slqL8MIhmQ_10_8">566</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_s4XYVW7uJUCHIR8Kjvp1xA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_OpUKUUoNjUGEIOgd48Nnbg_10_12">185</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_I5PkZYc4F0SH01kacqjhGA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_zwghcrVmOU-ygWFXJqWRdA_10_14">168</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherLoansMember_5XjTr5VsjUiXK-xkau4E_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_ZdWIKXg6BESMP75FQh5VXQ_10_16">353</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:34.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_CBSQPALQREKYb6dU66XNVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_E4HLaxOa102CHaXFiICo_g_11_2">28,880</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_p4EB0WdgDUuMpU7rwcsk3A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_TGT_hKhVr06iiIvbCdJ0fQ_11_4">7,951</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_y5ZoaPGEukKufvKL-HQl4Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_KQYvBuvOjEWCRp0WtFq4Xw_11_6">186</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_W1Ox1ieBwkyhqnilRNy33Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_zS268D3q0UC1j3T0f-Nn7g_11_8">37,017</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_5Ck6W9oju0SVP9ikldeePg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_39IvqHdNmkOTWQErUehxDQ_11_10">35,972</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_8QL0ld6iLk2B-fR0l9NG0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_8Puzco-n5UaHhWDtZWQplA_11_12">8,850</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_UXxRDJ4MYkGVam7f-wvA9g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_jikUmWFjX0SqX5AdjegU7w_11_14">167</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_OtherEquitySecuritiesMember_2Wz_Dx921Uqcxe88Qu6PUQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_3LR4OFHWTUqmceIGem3G0A_11_16">44,989</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total financial assets held at fair value</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_rZDxHu0f1Empt6XEl0X0hw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_mEjbvptrbUSCV5faxu1ftw_12_2">48,443</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ABECqYhw-0KZ4Az5T5YxeA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_JTmv2DUsSEKzCmVfPCb8KQ_12_4">152,385</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_iVYu7__UEUSeDglaLM8zCw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_-9MsG_mDHEOFRIa4wkwGFA_12_6">2,052</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_3sXB_uDw6EGcV84FbSD8CA_12_8">202,880</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_UoQ8RcdSAkGB8CiTZKSrmQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_X5-DW52Iz0WIZLftLY4DIQ_12_10">57,507</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_r3nyEnOq60uDDfZEqM01lw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_a-XYA25ec0W9SxU7U68a_w_12_12">221,625</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_daJLoRmHFEOdZ-2KVXMMvQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_IKW16hWjiEuC7QpmKLvIdA_12_14">1,723</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_VUL07sf3e0mC6gvW7F0tBg_12_16">280,855</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">As % of total fair value assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_rZDxHu0f1Empt6XEl0X0hw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" scale="-2" id="Tc_A-fGu1Q9FESaJUM1fz5Bbw_13_2">24</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ABECqYhw-0KZ4Az5T5YxeA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" scale="-2" id="Tc_dlWDvJJXwki4hfTFkE_Bxw_13_4">75</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_iVYu7__UEUSeDglaLM8zCw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" scale="-2" id="Tc_MjSZkARugUmehhp7S-hngA_13_6">1</ix:nonFraction> </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_UoQ8RcdSAkGB8CiTZKSrmQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" scale="-2" id="Tc_WcJNuqGIcEWQjcm3nFUcPw_13_10">20</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_r3nyEnOq60uDDfZEqM01lw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" scale="-2" id="Tc_yAjhs92m7U6YHQ3CcvgAUQ_13_12">79</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_daJLoRmHFEOdZ-2KVXMMvQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" scale="-2" id="Tc_TVfjUtbY6UqgXODiIQWtBA_13_14">1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">   </span><span style="color:#42145f;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">   <span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueTradingMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_mDslskSOukiw8HjvX34TzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_1w53J2l8zk69ZpxPJiPxXA_18_12">1,408</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_LTljlAoHUUycqMh1jDgDjQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_9ji-1YQflEirK0pfHyrWgw_20_12">159,818</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherDebtSecuritiesInIssueMember_n0DA_a0T3EWOWHDjD3Ldmw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_0MUdKbHW7kSsMEI7c2HTyA_22_16">1,607</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Other deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherDepositsMember_SLkz_KdjT0eC3Sd40om5fQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_R_UqpqfaeEKe_t_9QCC8iw_23_16">796</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:34.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1px solid 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style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_JEqiWmedSk28PurOI7CTuw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_ps9oW2HjsEefurIRAoscGA_24_12">793</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_rZDxHu0f1Empt6XEl0X0hw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_cwL4JPOGak6tg6yQoJap0Q_25_2">20,507</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ABECqYhw-0KZ4Az5T5YxeA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_N9Be9TF29EaGMzOsJ7qn-A_25_4">146,691</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_iVYu7__UEUSeDglaLM8zCw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_QeaU6q7U_0ORYJIvqI0GGQ_25_6">609</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_ozHHNEU3xECB3qAg2-NL7g_25_8">167,807</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_UoQ8RcdSAkGB8CiTZKSrmQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_GY3AOkr5bkCjDjEBtNWSsg_25_10">19,045</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_r3nyEnOq60uDDfZEqM01lw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_0cmvRL2PKESW0HQiXKA6Aw_25_12">216,218</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_daJLoRmHFEOdZ-2KVXMMvQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_EPDLqCFnskm7jdcmtEEW2w_25_14">894</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_mbkbPU13skqu2LngFP3NsQ_25_16">236,157</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:34.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">As % of total fair value liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_rZDxHu0f1Empt6XEl0X0hw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" scale="-2" id="Tc_Oojy7jBDKUeb6bL_IVuWWg_26_2">12</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ABECqYhw-0KZ4Az5T5YxeA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" scale="-2" id="Tc_aX5Ma_QuBE2CkFRLkj23MQ_26_4">88</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_iVYu7__UEUSeDglaLM8zCw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" scale="-2" id="Tc_5_i9Y78fwk-NTxddPvH8Mg_26_6">0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.55%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_UoQ8RcdSAkGB8CiTZKSrmQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" scale="-2" id="Tc_C0VOmtM-RE67kgFRZR8ICw_26_10">8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">%</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_r3nyEnOq60uDDfZEqM01lw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" scale="-2" id="Tc_bsQX45-uX0W_lEkta0sD2g_26_12">92</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">%</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_daJLoRmHFEOdZ-2KVXMMvQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" scale="-2" id="Tc_UtZsC-WUAE2t-IBTl1ASOA_26_14">0</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">%</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Transfers between levels are deemed to have occurred at the beginning of the quarter in which the instrument was transferred. </span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">For an analysis of debt securities held at mandatory fair value through profit or loss by issuer as well as ratings and derivatives, by type and contract, refer to Risk and capital management &#8211; Credit risk.</span></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Valuation adjustments</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">When valuing financial instruments in the trading book, adjustments are made to mid-market valuations to cover bid-offer spread, funding and credit risk. These adjustments are presented in the table below:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:ScheduleOfFinancialInstrumentsValuationAdjustmentsTableTextBlock" id="Tb_t3nbZrwyF0SI1Nb2-X6Sxw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:78.96%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:78.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:78.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Adjustment</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:78.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Funding &#8211; FVA</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:FundingValuationAdjustments" scale="6" id="Tc_hPmRNFVzKkqaKhGVB079iA_3_2">90</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:CreditValuationAdjustments" scale="6" id="Tc_KjwA74i_k0qltFlT4_DUaw_4_2">390</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:CreditValuationAdjustments" scale="6" id="Tc_jltl703xqkeeipojkurRMw_4_4">390</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:78.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bid &#8211; Offer</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:BidOfferAdjustments" scale="6" id="Tc_Akai6tTaSEKNmQsCQu9FdQ_5_2">113</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:BidOfferAdjustments" scale="6" id="Tc_bKwPIezJgk2MkZXg3E2jgA_5_4">148</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:78.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Product and deal specific</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProductAndDealSpecificAdjustments" scale="6" id="Tc_ew3GriLOm0KnTn8ws6jOiQ_6_2">119</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProductAndDealSpecificAdjustments" scale="6" id="Tc_fLJEAuQseUOoxSJA6CMx9g_6_4">172</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:78.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialInstrumentsValuationAdjustments" scale="6" id="Tc_Z1GELQOa9UikgsH4GY2MLg_7_2">712</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialInstrumentsValuationAdjustments" scale="6" id="Tc_oxcVIhADNU2kjyC-wNawTw_7_4">850</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">71</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_8"></a><a id="Note11_9"></a><a id="Note11_10"></a><a id="Note11_11"></a><a id="Note11_12"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont4" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont5"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There was a reallocation of FVA to CVA during the period following an update to the risk management of certain exposures. The net decrease across CVA and FVA was driven by reduced exposures, due to increases in interest rates and trade exit activity. The reduction in bid-offer and product and deal specific reserves followed reduced risk due to trade exit activity and LIBOR cessation.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Funding valuation adjustments (FVA)</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">FVA represents an estimate of the adjustment that a market participant would make to incorporate funding costs and benefits that arise in relation to derivative exposures. FVA is calculated as a portfolio level adjustment and can result in either a funding charge (positive) or funding benefit (negative).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Funding levels are applied to estimated potential future exposures. For uncollateralised derivatives, the exposure reflects the future valuation of the derivative. For collateralised derivatives, the exposure reflects the difference between the future valuation of the derivative and the level of collateral posted.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Credit valuation adjustments (CVA)</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">CVA represents an estimate of the adjustment to fair value that is made to incorporate the counterparty credit risk inherent in derivative exposures. CVA is actively managed by a credit and market risk hedging process, and therefore movements in CVA are partially offset by trading revenue on the hedges.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The CVA is calculated on a portfolio basis reflecting an estimate of the amount a third party would charge to assume the credit risk. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Collateral held under a credit support agreement is factored into the CVA calculation. In such cases where NatWest Group holds collateral against counterparty exposures, CVA is held to the extent that residual risk remains.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Bid-offer</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Fair value positions are required to be marked to exit, represented by bid (long positions) or offer (short positions) levels. Non-derivative positions are typically marked directly to bid or offer prices. However derivative exposures are adjusted to exit levels by taking bid-offer reserves calculated on a portfolio basis. The bid-offer approach is based on current market spreads and standard market bucketing of risk.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Bid-offer spreads vary by maturity and risk type to reflect different spreads in the market. For positions where there is no observable quote, the bid-offer spreads are widened in comparison to proxies to reflect reduced liquidity or observability.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Netting is applied on a portfolio basis to reflect the value at which NatWest Group believes it could exit the net risk of the portfolio, rather than the sum of exit costs for each of the portfolio&#8217;s individual trades. This is applied where the asset and liability positions are managed as a portfolio for risk and reporting purposes. </p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Product and deal specific</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On initial recognition of financial assets and liabilities valued using valuation techniques which have a significant dependence on information other than observable market data, any difference between the transaction price and that derived from the valuation technique is deferred. Such amounts are recognised in the income statement over the life of the transaction; when market data becomes observable; or when the transaction matures or is closed out as appropriate. On 31 December 2021, net gains of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_H7j0gQJEF0mdw8-S7C_b1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition" scale="6" id="Narr_YFt81am8kUaXAiCoxf64Mw">71</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_7SqFPBhoOkCR7F91vazgzg" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition" scale="6" id="Narr_ZeoynHDUm0arb1nLoUe5Gw">63</ix:nonFraction> million) were carried forward. During the year, net gains of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_H7j0gQJEF0mdw8-S7C_b1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition" scale="6" id="Narr_uBPIVitIh0CsAneHs1q5Fw">103</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_7SqFPBhoOkCR7F91vazgzg" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition" scale="6" id="Narr_kysZ4pzJE0ChpkmLfdBxOg">75</ix:nonFraction> million) were deferred and &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_oJqLK11vKUa1--grGDZuNQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="Narr_LOX8M5k9JUO8ATjJkAzLDg">94</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_IynTJB0GaU6nZvfo7a9RNQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="Narr_0xIGdNWvuUmbyGyj6Q_urA">100</ix:nonFraction> million) were recognised in the income statement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Where system generated valuations do not accurately recover market prices, manual valuation adjustments are applied either at a position or portfolio level. Manual adjustments are subject to the scrutiny of independent control teams and are subject to monthly review by senior management.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Own Credit</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group considers the effect of its own credit standing when valuing financial liabilities recorded at fair value. Own credit spread adjustments are made when valuing issued debt held at fair value, including issued structured notes. An own credit adjustment is applied to positions where it is believed that counterparties would consider NatWest Group&#39;s creditworthiness when pricing trades.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">72</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_13"></a><a id="Note11_14"></a><a id="_bb67cc43_3223_4dff_9f42_71fb21c4dcd3"></a><a id="Tc_F7UiqJau1k2pYlpRMIzmsg_1_8"></a><a id="Tc_OGJNkuSMkU-13si6v7MUQg_1_12"></a><a id="Tc_4u5Ub7UmZUKfzai6Ee6HLg_2_0"></a><a id="Tc_ybUO9QxyVkaTdoYv5PvZSA_2_2"></a><a id="Tc_KOswVLF-cE2zdbXme2QIrw_2_4"></a><a id="Tc_fZoAOLmBgUqWqfPbxcXWXg_2_6"></a><a id="Tc_XcrpZcdFNEmMj-SYgK1DMw_2_8"></a><a id="Tc_pOR9Qj0dqEa3aVJMoFocog_2_10"></a><a id="Tc_yjWmlHUar0CdUQoThKaztw_2_12"></a><a id="Tc_pYWyCgoGtkq1mYeCcISLBg_2_14"></a><a id="Tc_3k8pa01RVU2yhqX9ZHRLmw_3_0"></a><a id="Tc_r4cWLeu86k2OyvDWw5azTQ_4_0"></a><a id="Tc_bnQ1Pak4bE-6rh0Cx4L2Sw_4_2"></a><a id="Tc_F6J4_f8BY0yrJYwIvWpkhg_4_4"></a><a id="Tc_d35t5RefAEOMp7UVkJ6nUA_4_6"></a><a id="Tc_6np9SikqGUiLBNN2FmQxbQ_4_8"></a><a id="Tc_RMlOkJ7bhkudSSZJ4czKnw_4_12"></a><a id="Tc_cFuVXmoD2kOmC7FbnMNNJQ_5_2"></a><a id="Tc_HIRW9J2n4k-FZmP27yPeAg_5_4"></a><a id="Tc_wnh04Uz5GUWedBgMEYYxxg_5_6"></a><a id="Tc_XbHFgVHf00eercExYQYLGA_6_2"></a><a id="Tc_88RyoUkXtkmRrm9h7hPnPw_6_4"></a><a id="Tc_g2whOcmLKEa_HKBNd9WDEg_6_6"></a><a id="Tc_1GRTXHICg0mXOp53FTSWwQ_9_0"></a><a id="Tc_mwJfSYrxhEKkPTwsUo2_FQ_9_2"></a><a id="Tc_h5BEXzkrfkGBIzBUcsorjQ_9_4"></a><a id="Tc_Ywv9a4i9okKCa8o-PRyJ_w_9_6"></a><a id="Tc_SIi7F7RtX0yRAuyKvaDIcw_9_8"></a><a id="Tc_eEOzbFl6eEKPwGU3cde1Nw_9_12"></a><a id="Tc_9mPFU_rFl0mm7t_TuO2gQA_11_0"></a><a id="Tc_PHKjEQmbWUGA9HC4AFDhyQ_11_2"></a><a id="Tc_xplaQJPVxE6plus1pmfLFw_11_4"></a><a id="Tc_g85OfF97BUqfHOxAXky1ig_11_6"></a><a id="Tc_nNXJLsjb20u3RMnbMJGbcQ_11_8"></a><a id="Tc_mHfDFGK440qTuvHJeljPmA_11_12"></a><a id="Tc_3689NcGeWEqB7jfzlCd86w_12_2"></a><a id="Tc_CbtjHO63BkSDP9EwZ9uyTQ_12_4"></a><a id="Tc_v8pcxbJpqkiN88N8Qbv_WA_12_6"></a><a id="Tc_N8cAxLOGb0mxxn4Sg372aA_12_8"></a><a id="Tc_tP1uPD1AOEeI5ZCou7-_Aw_12_12"></a><a id="Tc_Of3fLBkiZkS7o1K_GgyR4w_13_2"></a><a id="Tc_Zh6B63LFTUCagYeG6GdK8Q_13_4"></a><a id="Tc_BqaIJryRcUeOeR9GdwE6QQ_13_6"></a><a id="Tc_JF1aaW6d20yX8vjNoCo8AQ_14_2"></a><a id="Tc_IiQhnljVtk2vT5VB9cAwHg_14_4"></a><a id="Tc_2-utqCuyxESYR6u9fEPKKw_14_6"></a><a id="Tc_ETXV1_MDc0y_8de32YkVKA_16_0"></a><a id="Tc_aWcsFigEA0qMRaHbRRxSVw_17_0"></a><a id="Tc_cXxdA3iuWk-VO1YwN6EAJA_17_2"></a><a id="Tc_dOkcf7VGjkyT9XRCisS56w_17_4"></a><a id="Tc_hWBmtlN3ak6qTw76s-0OCQ_17_6"></a><a id="Tc_F_TCCsmI7kOkwZLOJxyBgw_18_4"></a><a id="Tc_wqE4O6i9l0mIX_-gYx4y-A_18_6"></a><a id="Tc_4q9MyjzBG0mCCa_1WfdvMQ_19_4"></a><a id="Tc_wDuQRzo9oEefWYOlAL-gZA_19_6"></a><a id="Tc_Z9HERtltqEu0PNcTikbGJg_20_4"></a><a id="Tc__lCRhaVXi06a34yHAn9McQ_20_6"></a><a id="Tc_QWJ1itc-KUaS4qzmhXPO3g_20_8"></a><a id="Tc_iQarM12LZk6EG1Yf2EourA_20_12"></a><a id="Tc_tIH0cJJnl0-iFp0GFl94xQ_21_4"></a><a id="Tc_SNw-aWETekWG3Ml-xTTpog_21_6"></a><a id="Tc_x5KqdUC4fk2t8j_e_DYAmw_21_8"></a><a id="Tc_P_6FH9HAS02TZ_Ra8E4R5w_23_0"></a><a id="Tc_SUSMKpXbL0WIjhUD9xAcCg_23_2"></a><a id="Tc_wsZhx8xTvkC-Y5ZCWarejw_23_4"></a><a id="Tc_JIfmFCwNTUu5JBZIbCOwiw_23_6"></a><a id="Tc_dc-70SuGrkCVKsd24a5k5g_24_0"></a><a id="Tc_gzGjHt9n8ECT7P91_NG-Aw_24_4"></a><a id="Tc_6Jssj59hOUanG0pWjJhE6A_24_6"></a><a id="Tc_ouZSa3XHW0meWejo7h7fmw_25_4"></a><a id="Tc_Z3grXOxYhk28n3fty7J4OA_25_6"></a><a id="Tc_H3PdCDNNkkaBLjDzjqcwWw_26_4"></a><a id="Tc_h6SlFnjMm0qherlVHMADrQ_26_6"></a><a id="Tc_AKmnslEDZUSGYhCZZ8jVWA_26_8"></a><a id="Tc_AEerqxWJC0axVsHKCzqZcg_26_12"></a><a id="Tc_lnof6ooQnUWZuzZkR6d1Cw_27_4"></a><a id="Tc_EgyfG6gRA0KYJeIwZR4s4w_27_6"></a><a id="Tc_Pjb1uXRMyUuu5emaYRZgsQ_28_4"></a><a id="Tc_p5C9dngLoECOge_Gw2fBWQ_28_6"></a><a id="Tc_C0nulHHXq0Wc2neoaj9xwQ_29_4"></a><a id="Tc_XEP5Qotkx0aklvAJw6BddQ_29_6"></a><a id="Tc_4guJwtzkLUiYhyFgCrXx8g_31_0"></a><a id="Tc_h4qGgSD5qkCD8mMFgc4qNg_31_2"></a><a id="Tc_QAdcBqs2506hBVCWqKkC8Q_31_4"></a><a id="Tc_eFgsZvvUYkqvIPU6jDLUig_31_6"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont5" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont6"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation continued</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:12pt;font-weight:normal;">Level 3 additional information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For illiquid assets and liabilities, classified as level 3, additional information is provided on the valuation techniques used and price sensitivity of the products to those inputs. 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:middle;width:10.13%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:14.84%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:14.84%;border-bottom:1px solid 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#000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:middle;width:10.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Unobservable&#160;inputs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">Units</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">High</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Low</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:10.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:top;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Price-based</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Price</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_PriceMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_PriceBasedMember_hl_gpoo4iUmZaSA5CSbd6Q" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_UfBFRo5AXE-uQSce_MTFLg_4_10">106</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_PriceMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_PriceBasedMember_3N6Gm_a8UkmPvwiqf2n9iA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_8njeVqDD2keuTy4X56G9tw_4_14">105</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Discount cash flow</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Credit spreads</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">bps</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CreditSpreadMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_DiscountedCashFlowMember_HGXuhF2dvEeBaxuEESmgMg" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" scale="-4" id="Tc_Np1bewFheUm0dBUdJjJUXg_5_8">40</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CreditSpreadMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_DiscountedCashFlowMember_HGXuhF2dvEeBaxuEESmgMg" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-4" id="Tc_eoxFmeOL2kyAlAnycKNaLA_5_10">102</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CreditSpreadMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_DiscountedCashFlowMember_mGAtJVoKFkGwwZKHt4JjHA" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" scale="-4" id="Tc_yaSQyJiv4EOnxy6uH8Q5ZQ_5_12">69</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Price</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equity Shares</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Price-based</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Price</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">GBP</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_PriceMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_PriceBasedMember_rN1cgNFhuU6J1X6muomIoA" decimals="0" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets" scale="0" id="Tc_SzXfiMNeHkWuXvkltFdMUg_11_10">30,378</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_PriceMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_MarketComparablesMember_teIgRrVL9UepeF6k1MNdkg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_V5YSzM6BfUGJltoxoS2gNw_12_10">7</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_PriceMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_MarketComparablesMember_tC3QmHDyU0eej7LMuJriKw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_a-G7FMG7OEOFyP5qLd6FcQ_12_14">80</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:top;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Discount cash flow</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Discount margin</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_DiscountMarginMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_DiscountedCashFlowMember_DEfh5FWDAUuDy8nb96bJfw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" scale="-2" id="Tc_GZf6SQVDLU-bGG1gjaLBSw_13_8">6</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_DiscountMarginMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_DiscountedCashFlowMember_DEfh5FWDAUuDy8nb96bJfw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_G8v-iCbZm06pP0vunyG9jA_13_10">8</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_DiscountMarginMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_DiscountedCashFlowMember_oSWqtwJ4Kk6iGJhGKQmwyQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" scale="-2" id="Tc_lxcL8SkkAkWMp7wu5PHZHQ_13_12">7</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_DiscountMarginMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_DiscountedCashFlowMember_oSWqtwJ4Kk6iGJhGKQmwyQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_0tXsvyybWkKvtXEWaipDbQ_13_14">9</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net asset valuation</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net asset value</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CapitalisationRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_NetAssetValuationMember_WFzQrPAQoUWz93ZmEmIoLw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" scale="-2" id="Tc_suqvw2_5q0aM70eb__A-3w_14_8">80</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CapitalisationRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_NetAssetValuationMember_WFzQrPAQoUWz93ZmEmIoLw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_VP3M6AaZv06nWcP84VgLEA_14_10">120</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CapitalisationRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_NetAssetValuationMember_YFaDlxx2NkK-zUlKQdxFSg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" scale="-2" id="Tc_ZxFRdRGr6UySq4q6CilICw_14_12">80</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CapitalisationRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_NetAssetValuationMember_YFaDlxx2NkK-zUlKQdxFSg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" scale="-2" id="Tc_2-iwDpOux0SJJ02MFdMw6Q_14_14">120</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:30.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Derivative assets and liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:15.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Credit derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Credit derivative pricing</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Credit spreads</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">bps</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CreditSpreadMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_CreditDerivativePricingMember_ZhpQV43KYUyHwpHw8S2riA" decimals="4" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-4" id="Tc_uSwYR45guEOJ5rrCDCczeQ_17_8">6</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CreditSpreadMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_CreditDerivativePricingMember_ZhpQV43KYUyHwpHw8S2riA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_akobZt7m1EWF1UUsorBA6g_17_10">635</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_CreditSpreadMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_nwg_CreditDerivativePricingMember_kOr8rszqO0C79WCfVNBmlQ" decimals="4" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_1jDWstS1I0yuOa-EBYUKaQ_17_14">500</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Correlation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_Y5WvDVb-JEiG8gJmI0aXvA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" sign="-" scale="-2" id="Tc_Fi8wT_QGHUmJigyT-khHVQ_18_8">15</ix:nonFraction>)</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_Y5WvDVb-JEiG8gJmI0aXvA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_47gb_p-NQkC583IeJQ5how_18_10">95</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_ioagpyMbxkSVEJtzS-g36A" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" sign="-" scale="-2" id="Tc_oFzA-bGuu0KPz01LM0BqCw_18_12">50</ix:nonFraction>)</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_ioagpyMbxkSVEJtzS-g36A" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_lfO2bmAyIkGYqihQ1UXWHw_18_14">95</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Volatility</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_nFrbVH8YyEKBXonTSdYoFw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_l3GosolHNkukXem3eiY8Xg_19_8">30</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_nFrbVH8YyEKBXonTSdYoFw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_9sic6YuuEEuGQ86Z0ZDtBg_19_10">108</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_w7sBsfvo9kORD6uweGjXWw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_zQ8-wEUqJUWFaQUlCBJa-w_19_12">27</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_w7sBsfvo9kORD6uweGjXWw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_z28v24GvdE2XUIqVkKWT7w_19_14">80</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Upfront points</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsCreditDefaultSwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_RecoveryRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_9gt5c1vaBkuqzuSa7_moQQ" decimals="2" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest rate &amp; FX</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:top;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Option pricing</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_AdJCJPTnlUemGXa-b-_KZA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" sign="-" scale="-2" 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style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_heHILI4F5k6ndS3T5gxZcA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" sign="-" scale="-2" id="Tc_Y8OdNBXLNU2tYXB3vl-ocQ_23_12">50</ix:nonFraction>)</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Volatility</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_GnSE-nC0fEWhQZTN6VTvdw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_ehh94OQ0x0WgWEYqGLBaIg_24_8">17</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_GnSE-nC0fEWhQZTN6VTvdw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_9Ab-RT-y2EOIKl0gM5eQ4w_24_10">77</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_bHqu34E_b0y4Yfup4lF_tg" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_OY5DG6b7ZEqFC5_wf7T4Eg_24_12">17</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_VolatilityMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_bHqu34E_b0y4Yfup4lF_tg" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_hsGaXAG6sUel867FbknuUA_24_14">60</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Constant Prepayment Rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_ConstantPrepaymentRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_XgMkCXPvW0SE4d4RlpWVlQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_Uz5Q02L0qEG6vNsHpI5fmQ_25_8">2</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_ConstantPrepaymentRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_XgMkCXPvW0SE4d4RlpWVlQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_6WTx2JLEAEq4neoDUcldqQ_25_10">16</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_ConstantPrepaymentRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_GxXG1b5_I0ud9u5zvMcWjQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_e2rO9yekHUW_SxtAgeEjaQ_25_12">2</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_ifrs-full_ConstantPrepaymentRateMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_GxXG1b5_I0ud9u5zvMcWjQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_e5twQdcXFkCxGU6PFpa-UQ_25_14">18</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Mean Reversion</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_MeanReversalMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_b_Ej6PRjI0mCthSOhgzM7g" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_e7i07HnAzkyu-SG-ntpP8w_26_10">92</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_MeanReversalMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_WmSrwRdhmkS6yBvmaLgitw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_jou14CfBKEyByhq2H7rjkg_26_14">92</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Basis volatility</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">bps</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_8H8trL7FaEW5EJAJU7ncVQ" decimals="2" format="ixt:numdotdecimal" name="nwg:BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_JT5qT_ioO0WpSunrr7RrlQ_27_8">8</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_8H8trL7FaEW5EJAJU7ncVQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="0" id="Tc_v3mYi9JRJUWFBy7y8P5suQ_27_10">18</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_zbe6eaHLC0eVvkH9CmM3Uw" decimals="4" format="ixt:numdotdecimal" name="nwg:BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-4" id="Tc_pd91mR_od06suTHOWyR27Q_27_12">15</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_zbe6eaHLC0eVvkH9CmM3Uw" decimals="4" format="ixt:numdotdecimal" name="nwg:BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-4" id="Tc_IHJnU-WJ_kmCz4HFfqPPHA_27_14">21</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Inflation volatility</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationVolatilityMeasurementInputMember_PHO0zFBLdkqgMqoh_Qk7zg" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_gVbttBXf_EygWJeme6sJUg_28_8">1</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationVolatilityMeasurementInputMember_PHO0zFBLdkqgMqoh_Qk7zg" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_aXyVICqwGE2x-mXk9SsyFw_28_10">2</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationVolatilityMeasurementInputMember_Dv2gocckFkexnetejBjrNA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_iVX50CPV5kWQGMLG6RndLw_28_12">1</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationVolatilityMeasurementInputMember_Dv2gocckFkexnetejBjrNA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_hitYX9hnD02XvVq_KI324A_28_14">2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;white-space:nowrap;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Inflation rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationRateMeasurementInputMember_gOarFxeA5keMCjiUXNF0AA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_8d55MhqRMEWrGU_voddYaQ_29_8">2</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationRateMeasurementInputMember_gOarFxeA5keMCjiUXNF0AA" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_qBHE12SB2keh0AJndA_lwQ_29_10">3</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationRateMeasurementInputMember_gMHA2rn6_UCArbZ1ZJpBCw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_3c_pCl4uj0-YT3bQMhoFxA_29_12">1</ix:nonFraction></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_InterestAndForeignExchangeContractsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_InflationRateMeasurementInputMember_gMHA2rn6_UCArbZ1ZJpBCw" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_Z2yckKlVE0adDtkrKXyW_Q_29_14">2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:30.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:top;width:15.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:middle;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:30.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equity derivatives</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:15.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Option pricing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:10.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Correlation</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsEquitySwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_UN1aRf6uR0KIc66T-D0F1g" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" sign="-" scale="-2" id="Tc_K8VlqHcIDkqAmDcnyOeaKw_31_8">53</ix:nonFraction>)</b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsEquitySwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_UN1aRf6uR0KIc66T-D0F1g" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_3fa0d2BAEEerfi1ZAtYAZw_31_10">87</ix:nonFraction></b></p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsEquitySwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_0j-mJpEj0EGCaZFLk1gAIQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" sign="-" scale="-2" id="Tc_xortp1TTFkO82KkQEZBOAg_31_12">53</ix:nonFraction>)</p></td><td style="vertical-align:middle;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:middle;white-space:nowrap;width:6.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_IfrsEquitySwapMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_ifrs-full_UnobservableInputsAxis_nwg_CorrelationMeasurementInputMember_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_ifrs-full_OptionPricingModelMember_0j-mJpEj0EGCaZFLk1gAIQ" decimals="2" format="ixt:numdotdecimal" name="nwg:PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" scale="-2" id="Tc_ugzcxDnUME-hPocXvmRFzw_31_14">87</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Valuation for private equity investments may be estimated by looking at past prices of similar stocks and from valuation statements where valuations are usually derived from earnings measures such as EBITDA or net asset value (NAV). Similarly, for equity or bond fund investments, prices may be estimated from valuation or credit statements using NAV or similar measures.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">NatWest Group does not have any material liabilities measured at fair value that are issued with an inseparable third-party credit enhancement.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:9pt;font-weight:bold;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">73</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_15"></a><a id="Note11_16"></a><a id="Note11_17"></a><a id="Note11_18"></a><a id="Tc_J-tG_NMgIkmf7UqIt59qQw_1_2"></a><a id="Tc_zNoAPyqhPU6Miau04f9hUw_1_8"></a><a id="Tc_Kik0yJmd7EmbXG_BCoS9jg_2_2"></a><a id="Tc_5n1JtygUM0e3YuIdNHPFTA_2_4"></a><a id="Tc_KnpZUhs25E-lIQIwN2WKzw_2_6"></a><a id="Tc_kOuyV32ABU22Kd9bi2iwDQ_2_8"></a><a id="Tc_u8nSHnPVvk6pvyFMUP-bkg_2_10"></a><a id="Tc_e91V-N9OjkCN1y429qiI4g_2_12"></a><a id="Tc_-3yYACAz1Uq9L5qxxghC6w_3_2"></a><a id="Tc_6B-ZHJEsD0awd9SbW6nu9w_3_4"></a><a id="Tc_8fY6qN6EiU6_NjEjMpJfOQ_3_6"></a><a id="Tc_T9F2A4dFRki5CA7UeR5GSA_3_8"></a><a id="Tc_vavVGl3t7k2JWYDgDBm_FQ_3_10"></a><a id="Tc_cySksUC6Rkue38OLmT7f3w_3_12"></a><a id="Tc_ogpFDw3qKEOMqALyBj4BLg_4_0"></a><a id="Tc_uiPRSXgsjUCdkR4ltu3Hxg_5_0"></a><a id="Tc_KIld_Kb-BEiadt04o3BcKA_6_0"></a><a id="Tc_c2hcf2VpTUeJeEp_fvYUvw_6_12"></a><a id="Tc_Bs8Qr_Di4E--qgVx-f4RRg_7_0"></a><a id="Tc_6iPfJqUM1Ue4FjbS9t-A-g_7_4"></a><a id="Tc_QDVjpN1AMUCKG472pLMAKQ_7_6"></a><a id="Tc_ST6SMh145Uum9wc3NjlPiQ_7_10"></a><a id="Tc_iKAh-yYG1EqiX-IbfOBe5w_7_12"></a><a id="Tc_5eq_fpoD1UKoKrLtwhZNMQ_8_0"></a><a id="Tc_SfXOWLoEDES7unGqRXzxCg_9_0"></a><a id="Tc_UtQIRyJtq0SxtKYeUWlPcA_10_0"></a><a id="Tc_oipP11qJmU62uwwpmGz_OQ_11_0"></a><a id="Tc_cwnVxCx19E6rCEpV940CBg_14_0"></a><a id="Tc_5KmERPtHpUuw9XQ-QSTAlQ_15_0"></a><a id="Tc_L5Fp8XYhwEGFexnySKk77g_16_0"></a><a id="Tc_Jv8gOcJo_Ua0fOJ6j_oJsQ_16_4"></a><a id="Tc_KwIwHk71Mk6F9pxZQ5Nmag_16_6"></a><a id="Tc_35YGAQddXEmBcAL_6x5cSg_16_10"></a><a id="Tc_6y6WUr0o10mXHBST9RfPpw_16_12"></a><a id="Tc_4gYtLW-7RE6GHDzRf2D5Rw_17_0"></a><a id="Tc_6A5-0mQcKUqIxJ0eW6Ipag_17_2"></a><a id="Tc_42k3NUomBkWguWnI4wp8KA_17_4"></a><a id="Tc_HA457TP6tEajCFRC5G6YOw_17_6"></a><a id="Tc_gYT1N3kVJEqzQRhcInku5Q_17_8"></a><a id="Tc_oPRnhxfsxUWJDbB57YRLHQ_17_10"></a><a id="Tc_mMujn_0yV0i-C09IgeH8Qg_17_12"></a><a id="Tc_D2PS1dDqoUiGNmr_mN5b3g_18_0"></a><a id="Tc_buiXq1FfTkugCui0cq2kog_18_4"></a><a id="Tc_D69wYeyj_ECr9d2hwkF2Ew_18_6"></a><a id="Tc_Yvzc0QLQSEyHHBpXBnOHNQ_18_8"></a><a id="Tc_PbFa7SHCREuh4-v0On2KGQ_18_10"></a><a id="Tc_-zbZvwZPq0C3UP4UPpZ50Q_18_12"></a><a id="Tc_uTKkUDBnvUGvNCUFUUq3FQ_19_0"></a><a id="Tc_1aQ73ybMS0ute-sxnyWX8w_20_0"></a><a id="Tc_Cep3sR9oLE6VP6ibyptNdQ_20_2"></a><a id="Tc_JmwsAuyfG06k-aAZolGC_Q_20_4"></a><a id="Tc_eatmqCBs6k6UMQVPI6N4Qg_20_6"></a><a id="Tc_kIhl9DU51kOWZ02zwVMA5A_20_8"></a><a id="Tc_USmQ6liNPkq-hsaSA1fO2w_20_10"></a><a id="Tc_6FyVOr9EbESsi39sOzwqug_20_12"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont6" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont7"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation continued</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Level 3 sensitivities</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#000000;font-weight:normal;">The level 3 sensitivities presented below are calculated at a trade or low-level portfolio basis rather than an overall portfolio basis. As individual sensitivities are aggregated with no reflection of the correlated nature between instruments, the overall portfolio sensitivity may not be accurately reflected. For example, some portfolios may be negatively correlated to others, where a downwards movement in one asset would produce an upwards movement in another. However, due to the additive presentation of the above figures this correlation impact cannot be displayed. As such, the actual potential downside sensitivity of the total portfolio may be less than the non-correlated sum of the additive figures as shown in the below table.</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Alternative assumptions</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Reasonably plausible alternative assumptions of unobservable inputs are determined based on a specified target level of certainty of 90%. Alternative assumptions are determined with reference to all available evidence including consideration of the following: quality of independent pricing information considering consistency between different sources, variation over time, perceived tradability or otherwise of available quotes; consensus service dispersion ranges; volume of trading activity and market bias (e.g. one-way inventory); day 1 profit or loss arising on new trades; number and nature of market participants; market conditions; modelling consistency in the market; size and nature of risk; length of holding of position; and market intelligence.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Other considerations</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Whilst certain inputs used to calculate CVA, FVA and own credit adjustments are not based on observable market data, the uncertainty of these inputs is not considered to have a significant effect on the net valuation of the related derivative portfolios and issued debt. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As such, the fair value levelling of the derivative portfolios and issued debt is not determined by CVA, FVA or own credit inputs. In addition, any fair value sensitivity driven by these inputs is not included in the level 3 sensitivities presented.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The table below shows the high and low range of fair value of the level 3 assets and liabilities. This range incorporates the range of fair value inputs as described in the previous table.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfFairValueMeasurementValuationSensitivitiesForLevel3BalancesTableTextBlock" id="Tb_rZ2QDYV2v0e6beByRUMokA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.29%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Level&#160;3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Favourable</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Unfavourable</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Level&#160;3</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Favourable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Unfavourable</p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_pR1LwgP7BU6x_mNulBKj2g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_YH4gWrf0Tk6ueC6z84GOvg_6_2">721</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_CDGn7AFqBUyAOTsXCf8vYQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets" scale="6" id="Tc_5QrWk_vESkC-bQDDBZVvsQ_6_4">10</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_CDGn7AFqBUyAOTsXCf8vYQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputAssets" scale="6" id="Tc_Hn1wYTZIrEKH8zDu2AOPwg_6_6">10</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_UWBr8K3Bf06qoTNc9qRj6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_hi1a7tOEmk-PiTcE9uroBA_6_8">225</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsLoansMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_RCik8APOH0iAU5EqO_CEUg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets" scale="6" id="Tc_9tBEe-J2HUqtrnkhXdKSYg_6_10">10</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_CTJsozzZGUuNcyS0uiGuIg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_zspDxNECxEOB77pBy7KN-g_8_2">917</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_7Ve6_rdlB0mv3PUy0I2htg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets" scale="6" id="Tc_peCt_HHn_02RBnumfX--wA_8_4">60</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_8k7tAnP1qEu-NBE-MQfj2g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_JcF7DX721EWPRYKgtwnt_A_8_8">1,082</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_ShortPositionsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_UwtIuG8bFUKU2N3c6Ek_KA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_z3b1vJf-XUOn__Q4KmyOVQ_18_2">1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_8fDv2aajzUuLWSUZTrwvaA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_FDTcC4Cs80ORmDtMLJB-yw_19_8">887</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_iVYu7__UEUSeDglaLM8zCw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="Tc_Rdiwe0aeXEuxdQUHc355wA_21_2">609</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2021_To_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_-DGIiTsHQEqAatyp4bVMvA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities" scale="6" id="Tc_JUqyyI9qg0unedq0kn67mw_21_4">30</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2021_To_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_-DGIiTsHQEqAatyp4bVMvA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities" scale="6" 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style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2020_To_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_K_dw5t9RRkiYKvhPG3RHaA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities" sign="-" scale="6" id="Tc_QaxuFelgvUqLbNg_mptj0A_21_10">50</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_31_2020_To_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_K_dw5t9RRkiYKvhPG3RHaA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities" scale="6" id="Tc_QYP6dao0KUmEhgPFCvCIzQ_21_12">40</ix:nonFraction>)</p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">74</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_19"></a><a id="Note11_20"></a><a id="_46245006_d828_4c58_b6b3_2a3eec309ed1"></a><a id="Tc_aek-kGfCIkG5L9M3M8QsTg_1_2"></a><a id="Tc_V_E3jsCpsUimGDI_SMnHTw_1_10"></a><a id="Tc_1CUn0l1D-kiMo1G7WVOArw_2_2"></a><a id="Tc_m2JAuEDL0Uyx_TvHXERKZg_2_4"></a><a id="Tc_8GA3HLTQ_0OJZdUcA68xAA_2_10"></a><a id="Tc_q9NG_zI0oU2tsakVwyOxAw_2_12"></a><a id="Tc_J-zMiWqxzEqCpHvXGxzXGQ_3_2"></a><a id="Tc_nA7OnEC9C0-t1G0Y7pVLrQ_3_4"></a><a id="Tc_yeCopmbM5kyEpxp8CRG__g_3_6"></a><a id="Tc_YD30w9qOj0yUuckc7HjrOw_3_8"></a><a id="Tc_Pja5mNcuoUOcX9EEImE-qw_3_10"></a><a id="Tc_CmDdxoF-I02nYjlG_Zxy7A_3_12"></a><a id="Tc_nkJvPnHVjEaxwMsNaEA2gQ_3_14"></a><a id="Tc_efwNx8swQkCH-O_uwk7WEw_3_16"></a><a id="Tc_uKkQIuxde0aCGqBKh_PMuw_4_2"></a><a id="Tc_4xNCqXf1BEasZA17R6Da7Q_4_4"></a><a id="Tc_5Fv5BYL7WkyjBgQipp_DuQ_4_6"></a><a id="Tc_HMGLNnN120S8_k1UDvloGg_4_8"></a><a id="Tc_v8Gat8x0WkS0Tnu7n1uahQ_4_10"></a><a id="Tc_Ffjuo57VwkmpdIxyHTzTOw_4_12"></a><a id="Tc_hNGnnmL5Zka119x6iWX0bg_4_14"></a><a id="Tc_KkgB11rQSki5i3rU5vWgNg_4_16"></a><a id="Tc_XpyMAztT5kuCOC_6HzH33g_5_2"></a><a id="Tc_uLZhUyJT4UepUU0LJ_YkOg_5_4"></a><a id="Tc_YTNQpsXTs02fRNvBj0_JIA_5_6"></a><a id="Tc_Xll-i_7DCUiXKAG6gg2Kjg_5_8"></a><a id="Tc_S-0EgkrfbEKpKHQLLnrq-Q_5_10"></a><a id="Tc_NIDeoA0nbUevIMfueWZFpQ_5_12"></a><a id="Tc_urMzKz7lGEOI0RyZxiHFgg_5_14"></a><a id="Tc_apC1A7zcNk6Zmkwsy7DFlg_5_16"></a><a id="Tc_RlfOH7uK10C48Y5aBbc7sQ_6_0"></a><a id="Tc_fxtiJeXX3Uu_tvcTYdhWQA_7_0"></a><a id="Tc_dnQ5GtpwK0q9LhNwgiwXOA_8_0"></a><a id="Tc_Zye9JwGW50qJ5mmY_HexDw_8_2"></a><a id="Tc_BW0HtTxf5ESQtnAC0tyJmw_8_8"></a><a id="Tc_KcoofpPWTk6twajMfFhw5Q_8_10"></a><a id="Tc_DF64-xUCj02QrWKCmV1Erw_8_16"></a><a id="Tc_GghCCOtcm0OHxmwMfltKNQ_9_0"></a><a id="Tc_mIXmqjeJrkWFkaknuEsHcw_10_0"></a><a id="Tc_rd6l8jItMESKH6gPXVdV6w_10_12"></a><a id="Tc_aBnQnA0XVk6gPmq5bqcovw_11_0"></a><a id="Tc_jRC5f_7q7UGT0HSIE_40oQ_12_0"></a><a id="Tc_H4E4KU8c00qlXr9HXMybKw_13_0"></a><a id="Tc_OPyxude5d0W6pvHzwNoMWw_14_0"></a><a id="Tc_3DYr0MbQDkSXUC5jmbunxQ_15_0"></a><a id="Tc_KgEqRE4ZqEqhxwXR4izV0Q_17_0"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont7" continuedAt="Tb_X0faNgEgwEaRgLnJfHbX4w_cont8"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation continued</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 8pt 0pt;"><span style="color:#5e10b1;font-size:9pt;font-weight:normal;">Movement in level 3 assets and liabilities</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table shows the movement in level 3 assets and liabilities in the year.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfFairValueFinancialInstrumentsMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" id="Tb_QAKERXSfQEOhtyk2sgrkwg" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:35.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.73%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:35.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:30.97%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:31.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:35.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Trading&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Other&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:35.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">assets&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">financial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">assets&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">financial</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:35.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;(2)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">assets (3)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">liabilities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;(2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">assets&#160;(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">liabilities</p></td></tr><tr><td style="vertical-align:bottom;width:35.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.73%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:35.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">At 1 January</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.31%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.73%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_6HahTaGWHEy1lFznHtVAsw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" 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name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="Tc_awAtBUE4TUSRTekZgJZlug_6_4">335</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_YJY3MvpC-EyMDf965CHn1Q" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_RecurringFairValueMeasurementMember_WDDtC_XE0UKsBMFLeV1syw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" scale="6" id="Tc_SrNAg7P3lUGZYcW4G5b96w_8_12">63</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p 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name="ifrs-full:GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForLiabilitiesHeldAtEndOfPeriodFairValueMeasurement" sign="-" scale="6" id="Tc_Wp10_NPQN0-cpgBQyNvLuw_17_16">68</ix:nonFraction>)</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">There were </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis_nwg_IncomeFromTradingActivitiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_vlJiDtDbrUa8T5JHZzk-Fg" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities" scale="6" id="Narr_E9TKfe1fFEOMSJmeSSvBeA">3</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million net losses on trading assets and liabilities (2020&#160;- </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis_nwg_OtherOperatingIncomeAndInterestIncomeMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_IswWrZbU7UiwFLX8pJ3gCA" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities" sign="-" scale="6" id="Narr_f42LCzUaFEm1nMkc4w8eTg">194</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million net gain) recorded in income from trading activities. Net losses on other instruments of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis_nwg_OtherOperatingIncomeAndInterestIncomeMember_ifrs-full_CategoriesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_KZtbae15dUWseZOfLrVYOw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="Narr_U89yS5AO4EiulzY04HJxhg">29</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis_nwg_OtherOperatingIncomeAndInterestIncomeMember_ifrs-full_CategoriesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_zbW8K5O7CUC1A1WL98gppg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="Narr_b4OY40kft0SaxDOrEw9bGw">21</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million net losses) were recorded in other operating income and interest income as appropriate.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Trading assets comprise assets held at fair value in trading</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">portfolios.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Other financial assets comprise fair value through other comprehensive income, designated as at fair value through profit or loss and other fair value through profit or loss.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Movement in the period includes new loan originations classified as HTC&amp;S under IFRS 9 and fair valued through other comprehensive income. 2021 purchases include a new leveraged finance loan of &#163;</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_Kw3U6c-oT0aMtSVvGf90xA" decimals="-6" format="ixt:numdotdecimal" name="nwg:LeveragedFinanceLoan" scale="6" id="Narr_xZN37ri1TECVAzVHJq-CIw">450</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million. As a result of its composition and illiquid nature, pricing is based on unobservable inputs and the judgment of valuation experts.</span></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:12pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">75</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Note11_21"></a><a id="_6b05d277_a6fd_4a60_8335_70e6adb55f42"></a><a id="Tc_7w039yQ0VkWrgt_oMkqikQ_1_2"></a><a id="Tc_yQpnQfGQykOt7pjl3XVGnw_2_2"></a><a id="Tc_tveKqHI6XUSVVxe-8t0cuw_3_2"></a><a id="Tc_B14tb-8-r02wXShC8shgEQ_3_4"></a><a id="Tc_oCur8eofPUmhT5DoCFiS6A_3_8"></a><a id="Tc_sKwV5sYuCESNDLXouj_97g_4_2"></a><a id="Tc_Z8Uj2YyTIEm0grFoQGkIhA_4_4"></a><a 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id="Tc_P0sPCm4YMUe9WE0mHO19hw_34_0"></a><a id="Tc_cwcQ46EXzUurjGPaKNEgQA_34_4"></a><a id="Tc_LUofKq6RRUy7cd0-4gR4cw_34_6"></a><a id="Tc_IdCv0KLRWky1N9YIdomjaQ_34_8"></a><a id="Tc_4igOofkW8UWM4u55q9fAWg_34_10"></a><a id="Tc_T3GR_Fdcz0amn-1tllt3ag_34_12"></a><ix:continuation id="Tb_X0faNgEgwEaRgLnJfHbX4w_cont8"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">11 Financial instruments &#8211; valuation continued</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:12pt;font-weight:normal;">Fair value of financial instruments measured at amortised cost on the balance sheet</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Items&#160;where</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">fair&#160;value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">approximates</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Carrying</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:26.61%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Fair&#160;value&#160;hierarchy&#160;level</b></p></td></tr><tr><td style="vertical-align:bottom;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">carrying&#160;value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Fair&#160;value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Level&#160;1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Level&#160;2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Level&#160;3</b></p></td></tr><tr><td style="vertical-align:bottom;width:41.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsCashAndCashEquivalentsMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_vPZ2U9f_E0GxUsbLy9zjgA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_38ybtidil0-2GuUY33hY7A_7_2">177.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetsMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_3paRXc3IREaCmBbgE02axA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_IiAWqH3-mU2x3FW0RCy5EA_8_2">2.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_jrAIrozCv0qayD_d_Rk0bw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_4UCsXRqSTEi0If5EnsUhCw_9_2">0.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_0mmFtrneDECx1hDQ92GknQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_7epeP2VIxkiUIqt9knnFQw_9_4">7.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_6Y03Ovnw3k2P0At9W3aA0A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_1RUB9C7YlUKzpC15Woc-vg_9_6">7.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_U30oWhWD2U2ue-kPTj0isg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_VJtnf88pQEaUElgUZBzjag_9_10">5.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_ewqOI4KRnkaP8qfPhF8Q2w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_iyFlCWeRAkmyCwz49GzaqA_9_12">2.5</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_C15w9pyyCkqWJRWM5sFFWw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_K0l-k0FLB02CDKxIBzr01A_10_4">359.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_JpTifvKjskWfREVnfjT98g" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_2obvx77McEO8QIB6G9J8rA_10_6">354.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_tVvqxWH5yUyUTpaRnWZSUA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_BjLCu9lSSUOkHZzY52qEZA_10_10">28.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_mdDzDqVIwkuQOZ1b6qQSHw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_vnYOIz2xYkeKGy6JdSaBvg_10_12">326.1</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_tBTGkSfHAkKN07NyG5vQHg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_7HQRCSYHnESX9tFtyQLYLA_11_4">8.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_p9Sm3ssjzUO1JXKjJU8Hew" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_gE5Hmwb3mkutU1Gaf3mGNQ_11_6">8.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_w5ViZP2fPkiozbm5s-Hnzw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_dafCHOZKqUGI5cI8eJGSPA_11_8">4.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_QBBoLtY5nEq-fUcNkGWOVQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_FZMVtadMTUe0PZ6Px7yzSw_11_10">0.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_VYWfKlYtw0CbAn4a1G1b4w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_MXmMRUBwKUScJb039wYPpw_11_12">3.5</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:41.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">2020</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_IfrsCashAndCashEquivalentsMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_Pelb7kQ13kyVdMWYO1jspw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_h8MyFJwZDEiJ0Zhfp0fg2g_14_2">124.5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetsMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_lUsFh30jMEC6TeYi92G4lA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_zmyO09aHb0qFbSel_aJ47Q_15_2">2.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_EK7lkXYVmkWQIQvAp-OcUw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_ILEciyRO7k2rmZwHv6XXlQ_16_2">0.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_mDYhzkEcCk6qmab2b-qGPA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_LPAJsR11mUGxjXVKw89dVQ_16_4">6.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_KlrGm-jzskGSuh5dxiUWEw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_1fuh1xn9FUmaqUmQouw5LA_16_6">6.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_Iu3dL-TXa0i1ybNEyFqPOQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_tqTB4hu2YU2W8dAWDoDJvw_16_10">3.8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_hf0G5DI3N0GS0gMXLxbfNQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_tu_CypnBgEKmtKZs7dIUQQ_16_12">3.1</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_HyiFIzk0d06zIfdRUfrnew" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_PU5tWt2R4kigYmy756tqrA_17_4">360.5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_nHRsY0UN90uBf_9VXWXfDQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_1F9Pae3kp0C4O203bdZPFw_17_6">359.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_chawUeudy0ac4MrQZ9Bmhg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_wLguc7eF7EyoOkEYIWlZoA_17_10">25.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_f64jk1Zk9Eyw4HYqufz0Eg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_v1UxHk01S0qWZx56vmePWg_17_12">334.0</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:41.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_q_K9SAD-VEiM8fFoIsNHmg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Tc_ScxVNrnfrE-ZsWg5gr63Ww_18_4">9.8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_fFCCfAQ-jkmOWkUTWXcD0Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc__AmhHyoPB0eorsaIsInmAQ_18_6">10.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level1OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_2MvCcWTMCEiS4Z0rEi_IyQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_57j-394YrU68BYyrsSCAQg_18_8">5.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_kGduV4jEzEmFOGDsm8o_Jw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_bsH9EMxSwkKcI5qHzXsakw_18_10">1.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsSecuritiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_6eF3rcHFP0KLxc_BIbombw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="Tc_UfR1v6VZ1EivIqCycYl7uQ_18_12">3.0</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:41.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_NmIawHd9H0uRaKGzl6Lc_Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_iZP_6o5Chk-vnDz6wjFKdg_21_2">4.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_2_DWJ6aWyUaH5I3kFOaYsA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_oAJS_qV-WUyZrDMICc9wew_21_4">21.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_JMMpFCAnQkW72HfmDd56cg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_oKx-6xLAdE6fQbbNAEPRhw_21_6">21.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_r3xaDF-E-k2oe_HV0MBn7w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_Q0LrLfeJXkqreq2VegKKFQ_21_10">18.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_JiHHgW6U00yJCPM922xjJQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_kmhijMM1vUKfkn2-JlBOWQ_21_12">2.3</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_ut_TPdLH702PS-8GQxRrrA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_OKpAVEBxm0--p1hp5Zli0g_22_2">442.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_jjLDYBoVjEysvJ2jSJxl3A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_VElqYSqYXUGeOjJ7VpsMSg_22_4">37.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_pSTbTOnjPEucqul0W2UAIg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_M-Kv8NKi3k2RtHPSGX0WhA_22_6">37.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_Us7980Uy2k6NDhAk2sBV4w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_xWlVEMvj7EmWBD3Prk5RZw_22_10">18.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_TKD-rBRYoUCIlO9V3EpEaw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_XR9qKzNSfk-RCgnyjbf93g_22_12">19.5</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SettlementBalancesLiabilitiesMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_fl0Pwrak-Uu9d4e04SlxJA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_fxWYMVMj5kyOb7B-tYT06w_23_2">2.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities - debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_FinancialLiabilitiesOtherMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_pCRilqEg80yMjFNTLw6sDw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_TPlS9uDdJEKdxd8fZLld_w_24_4">47.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_FinancialLiabilitiesOtherMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_LH6mjHd410m5LyXYtEtWqQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_GMHlawQiZU6tRk0yVvkIIA_24_6">48.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_FinancialLiabilitiesOtherMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_yOlE1d_v1Empeusf9hh5VQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_Ne7rPKLOQEuPqtE4wYM4Mg_24_10">41.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_FinancialLiabilitiesOtherMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_EzJZ-g1ZlE2MYIdm-kpFUA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_xMgbOUykqE2WoIxXsaYD0A_24_12">7.2</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_ZAYB4V0SlUS8j3VEoCRqcA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_fituVYpp206vnHvv8hcr0g_25_4">7.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_1CmE4opfDUKPlKrmgtyAzg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_kvlWyfafl0SgJTvFyx8sZw_25_6">8.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_J2ZuEhIu2kiEyGKagk5jug" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_MOQPuJuqPUCYdJGwOWtCfg_25_10">8.2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_3roX3g4LKUyhLmrK3aJ-Nw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_doCe-Sw5kU-CQ6qtTWUySQ_25_12">0.1</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:41.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Notes in circulation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_p3cSEMy3oU2TmLOpjoNMRA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_Czs0BaENVU-_nTcox4ydIw_26_2">3.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:41.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">2020</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Financial liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:41.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_MeasurementAxis_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_YrIOYSrtb06q0fnwFoVREg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_IcOdh7ntpE2vCWxaeLPiXQ_29_2">4.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_ZtpLQgBUD0mIXcN3ed0lEw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_vfJiSM6jn0i0avpHkboD7A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_hgw7_P4Do0qrYcUgIGMh9A_30_4">60.0</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_g8HJ_awbWEyT-woO0Vi6WQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_YnLAf6I8q0qQCARRQeC9Hw_30_6">60.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_oBKkJ8qYvUu_y9pclvCY3A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_WpElLgIpFkGZ3wl66aKbNA_30_10">10.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByCustomerMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level3OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_Yy_AppUBLUe8VmujfCTGXQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" 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contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_FinancialLiabilitiesOtherMember_ifrs-full_MeasurementAxis_nwg_NotAtFairValueMember_hHAS_0lLV0a7bbuthJ27Rg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Tc_uocQSYZAREqslE8pFWu6lQ_32_4">43.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_FinancialLiabilitiesOtherMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_04BFWEiwHUa_rIVfhVPoRg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_kp5p8-AhjEGT3rNqobWsFg_32_6">44.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_FinancialLiabilitiesOtherMember_ifrs-full_LevelsOfFairValueHierarchyAxis_ifrs-full_Level2OfFairValueHierarchyMember_ifrs-full_MeasurementAxis_ifrs-full_AtFairValueMember_MiXU72yRuU2EvI3I3GMQdQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="9" id="Tc_OiI0M4gU7k25nUpx1eur0g_32_10">34.7</ix:nonFraction></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The assumptions and methodologies underlying the calculation of fair values of financial instruments at the balance sheet date are as follows:</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Short-term financial instruments</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For certain short-term financial instruments: cash and balances at central banks, items in the course of collection from other banks, settlement balances, items in the course of transmission to other banks, customer demand deposits and notes in circulation, carrying value is deemed a reasonable approximation of fair value.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Loans to banks and customers</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In estimating the fair value of net loans to customers and banks measured at amortised cost, NatWest Group&#39;s loans are segregated into appropriate portfolios reflecting the characteristics of the constituent loans. Two principal methods are used to estimate fair value:</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">(a)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Contractual cash flows are discounted using a market discount rate that incorporates the current spread for the borrower or where this is not observable, the spread for borrowers of a similar credit standing. This method is used for portfolios where counterparties have external ratings: institutional and corporate lending.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">(b)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Expected cash flows (unadjusted for credit losses) are discounted at the current offer rate for the same or similar products. The current methodology caps all loan values at par rather than modelling clients&#39; option to repay loans early. This approach is adopted for lending portfolios in Retail Banking, Ulster Bank RoI, Commercial Banking (SME loans) and Private Banking in order to reflect the homogeneous nature of these portfolios.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Debt securities and subordinated liabilities</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Most debt securities are valued using quoted prices in active markets or from quoted prices of similar financial instruments in active markets. 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Financial instruments&#160;- maturity analysis</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;font-weight:normal;">Remaining maturity</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">This note shows the maturity profile of NatWest Group&#8217;s financial assets and liabilities by contractual date of maturity and contractual cash flows.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table shows the residual maturity of financial instruments, based on contractual date of maturity.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:MaturityAnalysisOfFinancialInstrumentsTableTextBlock" id="Group_T_nxd1ujf02xkHi1vwnIoQ" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.29%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Less&#160;than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">More&#160;than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Less&#160;than</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">More&#160;than</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">12&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">12&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">12&#160;months</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">12&#160;months</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:42.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_n6sXeq-CwEWODlIePEbY2w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_-jpxsyi1jUmptvQHJXbw9A_7_2">40,263</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_gwQjXMDcgUqB-txS1MPKPA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_KUEaikXRIkKwz0sPY8E2Aw_9_2">2,141</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetMember_0fVYYSimdUyNbhwz68SG8Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_HLCApN01BEe0KwTBNWqxwA_9_6">2,141</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_J10-FTKFqE61w5b85Xu5mQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_aqB-R1Kk6kWKK0zrrOEIjw_9_8">2,297</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_SettlementBalancesAssetMember_NBBIJixQ9Eiu2tqTLlsMrw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_eezpn0pW5EKqs7wNvm0asw_9_12">2,297</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_s8OOPdV9p0Kd-7r4zAlD5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_ajIpD0888UmBaiTiFaQobA_10_2">7,425</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_3_f063qYaE6j2ecOnF9eUg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_cMYy9vOsZUKoOEK-XARQZg_10_4">257</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_wqx5J6s5DkGuiLCB0UeuZQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_uCq88I2lJUam3d2T5w2FCw_10_6">7,682</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_GyNZ3HsSo0O032bceYHHJA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_wcGsUGFeQEaPnSVLYrgvUw_10_8">6,835</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_JKOO3fFrLkSgBtqh4MeMHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_fVLstA1wgUSApKT4bS7hoQ_10_10">120</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_SCGVB8HES0Gx-v7f4zQSZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_zKqiJoqCHUG1115d-LiTzA_10_12">6,955</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_jAXLslfTA0yMOwF-uoMaUA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_nG3C8Fi5BE-43d7x9OfjuA_11_2">103,689</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_Y9gsnzzoaE-tjn5C9IwbkA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_fKDjYrZEW0qK-6mleL0GlA_11_4">255,301</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_AtlEwd_5dkuabdI1QFLT4Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_FkASA-JiUUetYMDKGf55Sg_11_6">358,990</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_7cDx3yopY0eaUk5KIUdTuw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_EAUKHfCitEO0dk5x9q-x6A_11_8">87,531</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_MBLR6RmYB0aHaE5z8RznBQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_sdU9iBH6iUuXe8M8FgvGMA_11_10">273,013</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_d6cAr_2rWkCIgoE53Vb60A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_u0lkIwVgdkKJREEukwFpbA_11_12">360,544</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_07xG5NfQr0uUP_57KxEDEA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_1KNdonKpfUq9i75dq_5H9w_12_2">11,151</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_aCSL7iQ-IkGry7Bjvf8Ghw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_hUvwE1AkjEWPNrnJboLaHg_12_4">34,994</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_TrExzdZWi0CT_yuGBq_2oA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_Lujf95U-2EW5UpRcKI8_XA_12_6">46,145</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_GReOw50YGEWJ_NcWsm56pg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_NYSRT59v7kiCgyFhhGpy3w_12_8">8,901</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_xfi4AQ2nqUKBU4jya-zJSg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_CpieglD2fUiZes8FLI0NEg_12_10">46,247</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_uY55_dc8-0SPyJRNqK-x6w" 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style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;white-space:nowrap;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ZSFngEfCb0ep6J0yqZf6tg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_6sRUaVfbMUGc1V3Ff517HQ_15_2">13,715</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_nplr_zj3zU68d3FyXpfFeQ" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_rlysMN5dPEm080mJ3vUwPg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_eHzcEypIvEuVB7KORWF36w_15_10">8,291</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_cvH_wYdjj0uSpeRd656_QQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_843vs-Dim0OuWYRkYyRQ-Q_18_10">27,219</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_qjWLv6MAPEqnCH7y5J71Bg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_HSxqx8KygEa9T26rmOZ69Q_20_6">49,326</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_Oqb-aoHdL0KXiCgJo7zzpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_0tBRim17rkOXuDW8urItRw_20_8">12,403</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_t4bmRXz4_Eu4RhQ_7tBtFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_XhRmb-Q7sUCEl5tRrZt1cw_20_10">33,408</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_L70l4HZeXEO38_XUdtSx-g" decimals="-6" 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format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_NzjQK1q2ZEq2IeBau-OHkA_21_8">365</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_EcBj6XA7M0GWdL2Kw3MD-w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_AJS_5CxyE0WovBxGTgjYoA_21_10">9,597</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_Cqd82j87QUO4bDfWCGrqBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_I_SsxaU5mk6BLRkZjCrenw_21_12">9,962</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Notes in circulation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_RgAe30WapkGM4weCJSC5AQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_aSieOVpBzkuFBPoDV5xzJw_22_2">3,047</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember_6HfQ9dhlLEaAbT5r8_dEJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_9ts184-1nU2uI7q9_6A_vA_22_6">3,047</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_NotesInCirculationMember__J5eY5Kmr0SSyXMcFBFZdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_6vsLIQrdr0aSL_kk9cGGDg_22_12">2,655</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Lease liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_LeaseLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_6nE3tysU_0ygVfQhdhd2vg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_pTyxa7k-r0-l7FVMoqRhGQ_23_2">238</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_LeaseLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_qqEo0ysLiUqp8Etuewbj9w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_fSf4Y7UI0U6UvdjCtM-yjQ_23_4">1,025</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_LeaseLiabilitiesMember_QNvZTiy0ZkmnczGR-G03Hg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_EPQ68bJSLk-ZS_pLoBsPJw_23_6">1,263</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_LeaseLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_CtD8_a9msUqpmw9hfEEQ3g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_eROdWQdpZU-taTdiXLzGWQ_23_8">185</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_LeaseLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearMember_e1ldYN6xIECcssurItXYNA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_chEBNOowqUe0jJDTdYjUZw_23_10">1,513</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_LeaseLiabilitiesMember_MzJuff-ccEapUGeyZp5w3A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="6" id="Tc_5h2qpBqEu0aKEyV36npcYw_23_12">1,698</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Assets and liabilities by contractual cash flows up to 20 years</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The tables on the following page, show the contractual undiscounted cash flows receivable and payable, up to a period of <ix:nonNumeric contextRef="Duration_12_31_2021_To_12_31_2021_LsVbvCfggE2VD6b5KGpnFw" format="ixt-sec:durwordsen" name="nwg:ContractualMaturityPeriodForUndiscountedCashFlows" id="Narr_oG5FK1Ng8kKaIZ2laqCgdQ">20 years</ix:nonNumeric>, including future receipts and payments of interest of financial assets and liabilities by contractual maturity. The balances in the following tables do not agree directly with the consolidated balance sheet, as the tables include all cash flows relating to principal and future coupon payments, presented on an undiscounted basis. The tables have been prepared on the following basis:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial assets have been reflected in the time band of the latest date on which they could be repaid, unless earlier repayment can be demanded by NatWest Group. Financial liabilities are included at the earliest date on which the counterparty can require repayment, regardless of whether or not such early repayment results in a penalty. If the repayment of a financial instrument is triggered by, or is subject to, specific criteria such as market price hurdles being reached, the asset is included in the time band that contains the latest date on which it can be repaid, regardless of early repayment.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">The liability is included in the time band that contains the earliest possible date on which the conditions could be fulfilled, without considering the probability of the conditions being met. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For example, if a structured note is automatically prepaid when an equity index exceeds a certain level, the cash outflow will be included in the less than three&#160;months period, whatever the level of the index at the&#160;year end. The settlement date of debt securities in issue, issued by certain securitisation vehicles consolidated by NatWest Group, depends on when cash flows are received from the securitised assets. Where these assets are prepayable, the timing of the cash outflow relating to securities assumes that each asset will be prepaid at the earliest possible date. As the repayments of assets and liabilities are linked, the repayment of assets in securitisations is shown on the earliest date that the asset can be prepaid, as this is the basis used for liabilities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The principal amounts of financial assets and liabilities that are repayable after <ix:nonNumeric contextRef="Duration_12_31_2021_To_12_31_2021_LsVbvCfggE2VD6b5KGpnFw" format="ixt-sec:durwordsen" name="nwg:PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity" id="Narr_KjVlIOAKm0W_oiCrhmrhRw">20 years</ix:nonNumeric> or where the counterparty has no right to repayment of the principal are excluded from the table, as are interest payments after <ix:nonNumeric contextRef="Duration_12_31_2021_To_12_31_2021_LsVbvCfggE2VD6b5KGpnFw" format="ixt-sec:durwordsen" name="nwg:PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity" id="Narr_Xt4yHZlae0KCIDjQ7_ODRA">20 years</ix:nonNumeric>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The maturity of guarantees and commitments is based on the earliest possible date they would be drawn in order to evaluate NatWest Group&#39;s liquidity position.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">MFVTPL assets of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_dyp8gIOCLE2aUVUmjpvcyQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Narr_Ugs9rpY2PkGy-xjIpzxzCA">165.6</ix:nonFraction> billion (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_kSyGs0bjHkeS8f6hAUIFUQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Narr_g-ylR9agmUmV4HjD3cj3Bw">236.0</ix:nonFraction> billion) and HFT liabilities of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_c0sGINNmTEiLYfuWTIO0cg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Narr_z_V_hwH1mUyOj_dMfB3SFg">165.3</ix:nonFraction> billion (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_cYMsmYua0UKZ4bJozzSgMw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialLiabilities" scale="9" id="Narr_SHQRIsvfFEeRMmvvtB2ISg">232.8</ix:nonFraction> billion) have been excluded from the following tables.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">77</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_bf61097a_04ab_49cf_9571_79311b11a372"></a><a id="Tc_lB_5422OP0ao8R2-ek-q-Q_1_2"></a><a id="Tc_oJL8PQ68lUKbE9NUzKHihw_1_4"></a><a id="Tc_sSMru88OhUCks0D0h5uxdA_1_6"></a><a id="Tc_Sk3B8lZNhkCU6zOXZIKp7Q_1_8"></a><a id="Tc_MhSnD6A7lkWNbQXEVpftHQ_1_10"></a><a id="Tc_KF8-qv6cOEK1taZoBD7ZDA_1_12"></a><a id="Tc_32lvR1WgRk-dQJsn3n3_nQ_2_0"></a><a id="Tc_j_i8Dec07USdgPMyOc0xYw_2_2"></a><a 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">0-3&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3-12&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1-3&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3-5&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">5-10&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">10-20&#160;years</b></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Assets by contractual maturity up to 20 years</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives held for hedging</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_vSpb0kKe8UKNCZ-NLACt-w" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" sign="-" scale="6" id="Tc_kKa5ybrC5UeFRTHxE3V8iQ_5_2">23</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_2vN7tiHuxU6VQ_APsB6HbA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" sign="-" scale="6" id="Tc_evwwFvuZnkWgDYcEKJplBw_5_4">32</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_IMFR_lJVC06vUFlGUQ4mlg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_GUMEZlsUL0m50eNG9gsObg_5_6">72</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_BNgAhJsKnEu__c4E9_DxTQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_SvBGdJA1r0W9bEvuh2EhAg_5_8">15</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_sbMXwP-YEEO1VTw_4ergpg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_n93V-bIeGUWcVCOYW1gzqg_5_10">10</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_0ZylJGukmkuwGZ2WqNz4sQ" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_Rf64cRRQV0-hxqROlTRjXA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_SAuW88UHDkGQnOrhrefCRA_7_2">5,735</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_NolrS-x6YUKPsXw7a4JyZA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_jg__Ow9IY0e0hhUiNsjoOg_7_4">1,689</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_bu-XWJaR30qFi20eFmBdiQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_cuUN7MxvEk2I_GHCFwkJ8Q_7_6">21</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_fwp-AWbdJkmb3YCu-4jAKQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_-DjgTm6RTEaSBzgVgzbUnQ_8_2">65,760</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_akz-PJr5P06XfVzi8lrJ9A" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_xfHOMuFevEydc6K_z78cPA_8_4">43,144</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_9nz8of3xLEG7k-LujqYv1g" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_Sn7RUJn21k6ZFQe58g14yA_8_6">63,979</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_Kd5eTCNHhkeuaiGD06uEKA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_AecTfCIirUWPsWpOuiup4Q_8_8">45,057</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_1idQIOZbYUuzosdp2mL5pw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_g3s5xLtVHEuZjD3W8b7r2w_8_10">73,044</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToCustomersMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember__sCBW3um90SuLn12VLk_yQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_PzTQhvUOtUaF3czJ4_j-Ag_8_12">90,115</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_mW80QFx7k0qpyR4ba-ywBw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_1lVhL3m5i0ifoLV13_Td9g_9_2">3,924</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_hj4jqpX4nUaUykeaUvjb1g" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_lLAV-mX3FUeaUXA0vO0lGQ_9_4">7,576</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_-0QYgY-s702pJifXQy5Hag" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_HRj0wfV2oUKqAA91M8JSOw_9_6">10,467</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_tdZluSw-LUCHsQG00Phn2A" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_f1Dp0m0nEE6Sft2fs-z6dg_9_8">8,048</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_PYqqgaxIc0usrWUHgml--w" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_-_y1Ct3e1kWKj03zwveoQg_9_10">7,444</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_bdhDnAy8MUad43N_nhusQA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_hx-NVANyAEKKEerGnzw0iQ_9_12">5,523</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance lease</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinanceLeaseMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_Fn068CJCrkeaRbEYQX3zZg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_3ChjcTceyU2lUauoy5Gxjw_10_2">290</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinanceLeaseMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_H_oSyHJhpkixiEVbvSTKrg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_3-Aliu3oS0mSBqksPDCsdQ_10_4">340</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinanceLeaseMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_8kZ6W7m-a0y72Ta2g7qg6Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_6PgDX3sdqUm_QKNRfmJNWg_10_6">746</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinanceLeaseMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_TaiygdFkYkCVIKHIIIf0LQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_iWxSiXGgLEaVi4591lx8nQ_10_8">504</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinanceLeaseMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_87fKp2LDB0mu2HrN8xby7g" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_QUhcxJxTCEyQeP2E-KYm4Q_10_10">704</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinanceLeaseMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_PtMrltbl0kma2DMfC7crmQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_UH4TflcyV0-oQtOoFgvYnw_10_12">377</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_lua7l1qghEe_rXzxVFaGhA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_cJMFnQLRRUKu5qNW5fWtsQ_11_2">255,584</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_8EAP09ta2EOdhoYMlBNrSA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_w52qYhkNGkKHMmbuTK98Lg_11_4">52,717</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_z4kHowXzIEO2olfQ8Gl0EA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_cxbzPmU6bE-rVwWB05aTGg_11_6">75,285</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_aED_CYYH1kCxUdctyu5tfQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_QyJV647YcE2f9pwKkAbqrg_11_8">53,624</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_dpd6A58JZ0aMGjbut8F4rQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_5jBMxnDg60OcqGP-mh9Thw_11_10">81,202</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_uRMcObiQt0ifvn62ImpI_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_45N9Fp0moU6pmcuMb1EIOQ_11_12">96,032</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Liabilities by contractual maturity up to 20 years</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CustomerAccountMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ikPMZ5J8J0SaENXHBr8Yzg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NonderivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_jMExbwR1jU629yCYLfXBHg_15_2">473,123</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CustomerAccountMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_64xTFaSeUUqQAvNmd-0gSQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NonderivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_AAqRakDU80e6vd8aIiSqFw_15_4">5,440</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CustomerAccountMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_TtezHLHCt0O4JoSxRPGcTg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NonderivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" 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style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NotesInCirculationMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_VBToUJjMUkiaFkIa0fep2Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NonderivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_gxaqcp5d4UWnUgzmEf9QAA_20_2">3,047</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_LeaseLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_9ZLh1CySAEeJhSupA8jMUg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_hg2K10t06k-qW-a8G3LVLQ_21_12">251</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_tqCylYAMrkKD5xRNMX2z8g" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_9HOOexFQEUi0UdDFDTEeqQ_22_8">24,630</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ZXq6R35a5kSHOUzkkytbrg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_qQB5sWDEj0OhJIicTDS4xw_22_10">9,534</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_dRYCkgrIwEuYDagNgePGTw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_8Rwx0TZpXkOsKvMxiXuQ1A_22_12">927</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Guarantees and commitments - notional amount</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Guarantees (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialGuaranteeContractsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_zhDFGwf99kydAJ5kLxixqA" 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style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Commitments (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinancialCommitmentsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_AHOb2nqWxUS0M9SJFGZgWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NonderivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_5gZ6STNMNkqDwNACoQg1eg_26_2">118,536</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.04%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinancialGuaranteesAndCommitmentsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_9LhchBNazkGRRkwBiJCtXg" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">2020</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Assets by contractual maturity up to 20 years</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivatives held for hedging</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_MjC4qRccukiUgCt4x7iV7Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_zHbpRPHDkku1pmzlELTi-A_5_2">14</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_0DzadDOadEiYziwWM7gqgA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_zSJS6REEv0SZyqkoUXU55g_5_4">18</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_NIgTIjwX8UaVaEBki3uTcg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_ReWQn62mJEOY2ZxaROULfw_5_6">96</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeFinancialAssetsHeldForHedgingMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_XK29BrFh4UW8d5baht-Rvw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" 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style="vertical-align:top;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Settlement balances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_SettlementBalancesAssetMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember__0aJ54v7nUWlbEYR93qrOA" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_Ta8c00EyJ0i5b2dFp_KwIA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_vXMYpsuDS0OXhULhG8MuQQ_7_2">5,600</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_MvzxVu4fGUmsddj8-pLNHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_ei20KEEBLEOEeyygW6SEVQ_7_4">1,245</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_j4hXNDVID02a8az1bVEC1g" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_itETJJgTbkin9NJZ-HrbZQ_7_10">1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesToBanksMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_jA2Raq5PrkySwMXV_0o54Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_7iTjBkEefkuW6W8xlSgA-w_7_12">110</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_FinanceLeaseMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_BGtniV4tXEy_z9feOqr2gA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_0jOpZhmCqkKex_SMD6Z3-w_10_12">545</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:42.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_FinancialAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_8-rIy58r4EmOn9QNH7bASw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinancialAssetsUndiscountedCashFlows" scale="6" id="Tc_hXUd0yPu6kuGeDM97YpeMw_11_2">183,974</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DepositsByBanksMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_vqOiUjzShUefPk2xZnwiDg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NonderivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_N2cgS3-mTkmZGXuc0LVRXw_14_8">5,038</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CustomerAccountMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember__JoSbzCr8ku176PjhkLxmw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NonderivativeFinancialLiabilitiesUndiscountedCashFlows" scale="6" id="Tc_6rS4cFc0XUaqy9dTEt-mUA_15_4">8,528</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p 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&#8212;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Other financial assets excludes equity shares.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">NatWest Group is only called upon to satisfy a guarantee when the guaranteed party fails to meet its obligations. 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="nwg:ReverseRepurchaseAgreements" scale="6" id="Tc_ZY5hlmjxoEyv3tcyPRyaBA_4_2">20,742</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" 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contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="nwg:CollateralOnSecuritiesBorrowed" scale="6" id="Tc_s9RyaBxZMUaQAjhTybX4xQ_5_2">12,047</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:CollateralOnSecuritiesBorrowed" scale="6" 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contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherTradingLoans" scale="6" id="Tc_p3YNaTu8Yk-sH0BTNDezvg_6_2">1,414</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherTradingLoans" scale="6" id="Tc_Wpo5VQmOh0ijAxF-57PDTA_6_4">1,611</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total loans</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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scale="6" id="Tc_29G6Ti1m_U2vqjW8VpXVag_7_4">39,775</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Central and local government</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_GeographicalAreasAxis_country_GB_GWAe_IwTN0m46Xwi--gVjA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GovernmentDebtInstrumentsHeld" scale="6" id="Tc_cWq0G6EU00OSijvrRRt6ZQ_10_2">6,919</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_GeographicalAreasAxis_country_GB_LMzV9mf92EKsH4LzQ-9AXg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GovernmentDebtInstrumentsHeld" scale="6" id="Tc_bvvXulpBdUqrAdj3B_tp-A_10_4">4,184</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_GeographicalAreasAxis_country_US_0Nh6tZuWjUyp79N2b9Ap7Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GovernmentDebtInstrumentsHeld" scale="6" id="Tc_yi7wCKZ3EUyYXa4JlVlflg_11_2">3,329</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_GeographicalAreasAxis_country_US_1BgeI31mS0-WzIMnFm76Og" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GovernmentDebtInstrumentsHeld" scale="6" id="Tc_sKe6DbjycEOFa0hoAOD87w_11_4">5,149</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_m8CdrpC0UEekod1n6EkWsA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GovernmentDebtInstrumentsHeld" scale="6" id="Tc_r8_aOu_kE0mCGDIjl_MOTw_12_2">10,929</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_UY_hmI3XmUWjpM8dPnXwrQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GovernmentDebtInstrumentsHeld" scale="6" id="Tc_HMfE6pv0o0KhJMCFJZ3t9Q_12_4">16,436</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Financial institutions and corporate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherDebtInstrumentsHeld" scale="6" id="Tc_GFo8zB1S6ke6qUk90XDsZg_13_2">3,778</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherDebtInstrumentsHeld" scale="6" id="Tc_KtLzsd-sYkG5Ln1MxfFEGw_13_4">3,446</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_bLSjNGLDfUKi9XMF8pkRVQ_14_2">24,955</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_duac0mNuxUW-ZvRksi4g0Q_14_4">29,215</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="nwg:TradingAssets" scale="6" id="Tc_HUFD-wil1E-C9oqmtg54Aw_15_2">59,158</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:TradingAssets" scale="6" id="Tc_ZlyBEJNq90S-KSsJ0D_43w_15_4">68,990</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_B63wG4Y-d06VDRoEhmysHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:RepurchaseAgreements" scale="6" id="Tc_SYvLa8eoP0KOt0Aex157cQ_18_2">19,389</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:RepurchaseAgreements" scale="6" id="Tc_jQRY8r-9O0ms2naabjygyw_18_4">19,036</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Collateral received</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_B63wG4Y-d06VDRoEhmysHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:CollateralOnSecuritiesLent" scale="6" id="Tc_aGzEsyu-sU6NToVoq5U5wQ_19_2">17,718</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:CollateralOnSecuritiesLent" scale="6" id="Tc_J8JgHSjtWU6Vod8iFP1IjA_19_4">23,229</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Other deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_B63wG4Y-d06VDRoEhmysHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DepositsOther" scale="6" id="Tc_uBCG1pl3SE-d1VVQWvPXhQ_20_2">1,553</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:DepositsOther" scale="6" id="Tc_GqXJh0XobU6AhoNsS8u9og_20_4">1,804</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_B63wG4Y-d06VDRoEhmysHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DepositsTradingLiabilities" scale="6" id="Tc_fGo8VXCj6EyVzCzplAFcpw_21_2">38,660</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:DepositsTradingLiabilities" scale="6" id="Tc_ljifL8jxf0mz2nmd9nt2-w_21_4">44,069</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_B63wG4Y-d06VDRoEhmysHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Tc_yCsJUUWZ0EiYwUCpAT0wyw_22_2">974</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Tc_ROnYeawcOkeZqXp2rqpmkg_22_4">1,408</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Short positions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_B63wG4Y-d06VDRoEhmysHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DerivativeFinancialLiabilitiesShortPosition" scale="6" id="Tc_JIR2AlKEY0q_fwPNPiExHg_23_2">24,964</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:DerivativeFinancialLiabilitiesShortPosition" scale="6" id="Tc_1OC4BmxLuEK-eMKv8FxJ9A_23_4">26,779</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_B63wG4Y-d06VDRoEhmysHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsTradingLiabilities" scale="6" id="Tc_irUMOMlHkUmUmM4YiegSrg_24_2">64,598</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_IfrsTradingLiabilitiesMember_70iMjocZDEiqroOGJBx-TQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsTradingLiabilities" scale="6" id="Tc_L8v3hgCDH0qqXmFO_wmb1g_24_4">72,256</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><a id="a14Derivatives_285222"></a><a id="_8e91cfee_b7a0_436c_af8a_22c9ce42cf8a"></a><a id="Tc_9q9xyj8JkU6i10rYTRQ_aQ_1_2"></a><a id="Tc_A9UnZpuDiE2euB-JWxlLaQ_1_8"></a><a id="Tc_yMUWV5wHBEGw74VVyjSYRw_2_2"></a><a id="Tc_ojYSM_VhcEqTYsiyEceBCQ_2_4"></a><a id="Tc_MeAjC_ihv0WjBJull14WBQ_2_6"></a><a id="Tc_Y9FjSYxe_0Cpb_wRtSkvsg_2_8"></a><a id="Tc_3N6xzFzjzEOhRyI_yAyREg_2_10"></a><a id="Tc_Kq535rMSz0ehqkXW8KD-oQ_2_12"></a><a id="Tc_VaByRujRVE23NTZWWAv9nA_3_2"></a><a id="Tc_tZdLVX-NckCOkXyKrtOOww_3_4"></a><a id="Tc_ENHD9hGY-UqUfxJaHv_3lA_3_6"></a><a id="Tc_aEVJPNr_KEKC8Y4Ncw9Kcg_3_8"></a><a id="Tc_a0CKvLlaO0iLs7Q8bbWFDA_3_10"></a><a id="Tc_2Zwd2fKu9kK77bvbvlCPig_3_12"></a><a id="Tc_Fki4sVfsd0iNSgO_JcDRjA_4_0"></a><a id="Tc_zBmrPKPpHU-IyzHyJUY77A_5_0"></a><a id="Tc_AahdsNR72UOoByZ7lBV3gA_6_0"></a><a id="Tc_CQJeSto9Sk2wbC1pyczGuQ_7_0"></a><a id="Tc_RxhWWM3aPU25-oIqA_36fw_7_2"></a><a id="Tc_GZnHp4feokiZpni_FAP2NQ_7_6"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory" id="Tb_us0oneZj2E6xKNpQnIsoSg" continuedAt="Tb_us0oneZj2E6xKNpQnIsoSg_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">14 Derivatives</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">Derivative is a term covering a wide range of financial instruments that derive their fair value from an underlying rate or price, for example interest rates or exchange rates (the underlying). NatWest Group uses derivatives as a part of its trading activities, to manage its own risks such as interest rate, foreign exchange, or credit risk and in certain customer transactions. 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style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Notional</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Liabilities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Notional</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Liabilities</p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Exchange rate contracts</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember__l4ptTuh0EKBPBsTKon4Qw" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_ctUMqJ7hikWKStVykqou7g_4_2">3,167</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember__l4ptTuh0EKBPBsTKon4Qw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_67Dq6VTXSESsQQfwzp2inA_4_4">38,517</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember__l4ptTuh0EKBPBsTKon4Qw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_T13xmPC5DUeLq5g2dsoKNg_4_6">39,286</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember_1Hva6zu2JE2ygHZjIWZbPw" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_rKRsVfC0CUqDg-xDA0mEIg_4_8">3,328</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember_1Hva6zu2JE2ygHZjIWZbPw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_QM6HnPXFMUiMhJUS2fJpVw_4_10">52,239</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfRisksAxis_ifrs-full_CurrencyRiskMember_1Hva6zu2JE2ygHZjIWZbPw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_POXdA1sF9ES9v3t9P8g0vg_4_12">55,107</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest rate contracts</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_A7i9XJhXZkuWtG5Xhq2NRQ" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_xWofAvAufkeJCUa5JKJeaQ_5_2">8,919</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_Vubaxi3l40mGYvY7DTLbGQ_8_10">166,523</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_XGu5wi6SDU2qMXaJAMZfuA_8_12">160,705</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group applies hedge accounting to reduce the accounting mismatch caused in the income statement by using derivatives to hedge the following risks: interest rate, foreign exchange and net investment in foreign operations. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s interest rate hedging relates to the management of NatWest Group&#8217;s non-trading structural interest rate risk, caused by the mismatch between fixed interest rates and floating interest rates on its financial instruments. NatWest Group manages this risk within approved limits. Residual risk positions are hedged with derivatives, principally interest rate swaps. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Suitable larger fixed rate financial instruments are subject to fair value hedging; the remaining exposure, where possible, is hedged by derivatives designated as cash flow hedges. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Cash flow hedges of interest rate risk relate to exposures to the variability in future interest payments and receipts due to the movement of benchmark interest rates on forecast transactions and on financial assets and financial liabilities. This variability in cash flows is hedged by interest rate swaps, which convert variable cash flows into fixed. For these cash flow hedge relationships, the hedged items are actual and forecast variable interest rate cash flows arising from financial assets and financial liabilities with interest rates linked to the relevant benchmark rates, most notably LIBOR, EURIBOR, SONIA and the Bank of England Official Bank Rate. The variability in cash flows due to movements in the relevant benchmark rate is hedged; this risk component is identified using the risk management systems of NatWest Group and encompasses the majority of cash flow variability risk.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fair value hedges of interest rate risk involve interest rate swaps transforming the fixed interest rate risk in financial assets and financial liabilities to floating. The hedged risk is the risk of changes in the hedged item&#8217;s fair value attributable to changes in the benchmark interest rate risk component of </p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">79</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_e697eb2e_a798_4bb0_826f_863d6773bb1f"></a><a id="Tc_VLRDy_UMi0aTaXteuZQAIA_1_2"></a><a id="Tc_lMdO6gMWBkGG77mLQEFK3Q_1_10"></a><a id="Tc_yPR3wvbYGkimPrh5jDKACw_2_8"></a><a id="Tc_tr2T8JNwe069BKfmGXclsw_2_16"></a><a id="Tc_I57eQyAhT0OO5yRfi5jSLg_3_8"></a><a id="Tc_MnekAtGfZUCysMcworxzAg_3_16"></a><a id="Tc_ws_SFF9lik62FtZbx5JWtQ_4_2"></a><a id="Tc_aAGKno2G90iRiQi2V6SPJg_4_4"></a><a id="Tc_TnUHF5WSdkKhk0UXIJCPFQ_4_6"></a><a id="Tc_OqL6ZgcLMkGVn5ERuC4Bqw_4_8"></a><a id="Tc_yxO2ei_bd02LRrvtHzCY_g_4_10"></a><a id="Tc_2xRfCogG8kG67Ef3ONpcAQ_4_12"></a><a id="Tc_iX6gqBNF1E-7YN2h5zkr7w_4_14"></a><a id="Tc_4y36fRoOG0uhpspCTtMvXw_4_16"></a><a id="Tc_2Bo2bNbRwEGUBSU3qiOl0w_5_2"></a><a id="Tc_eP1o9SnMeEeyJE4xSk0byA_5_4"></a><a id="Tc_WvWXrO_p1EiGn6RejC-jsg_5_6"></a><a id="Tc_iTfh7zIBlUGPJVbKtwMkPw_5_8"></a><a id="Tc_qdKCWEADFESqx-wb-FOTmQ_5_10"></a><a id="Tc_DYJ-0ScdcEiE_9HX8Cl2iQ_5_12"></a><a id="Tc_o1AbYgaTEkCrJGK0-pBjUA_5_14"></a><a id="Tc_Jwves1JbnEuurbcVS3m0Qg_5_16"></a><a id="Tc_zHUhQM4bd0OMxdfD3poysQ_6_0"></a><a id="Tc_MD36VakKiEW7IG4s9KEg1A_7_0"></a><a id="Tc_-FQPKSK7dUunwocq8NZclg_9_0"></a><a id="Tc_gK_OywfiNUKIdlExry9LDg_10_0"></a><a id="Tc_KMBTg9qbIUazv2mRSK3K3A_11_0"></a><a id="Tc_fi9WHAc0YkmMe9J0j1oCGA_13_0"></a><a id="Tc_3RC1NYbLuUmO2vFKoOPKbA_14_0"></a><a id="Tc_K18VBM4JRUWf4MY5MwI65Q_14_12"></a><a id="Tc_reU92yG52kKIxAR2OJkY2Q_15_8"></a><a id="Tc_nkU6TAlF1U2C9uJAW1R99g_16_0"></a><a id="_a029634a_53d4_4507_9fce_5e95eefa3f5b"></a><a id="Tc_YI7Tt4SN10Smtd0tlaYxIw_1_2"></a><a id="Tc_AYLPOp_3Qk2Ia9bbezFqCQ_1_4"></a><a id="Tc_ItsfG14ml0uZAO5u8L1SJA_2_2"></a><a id="Tc_nEjTpPeF1EezB8w5zAaWxg_2_4"></a><a id="Tc_dIkQW40qTUqziTSXGnTrig_3_0"></a><a id="Tc_n41JUKSyMkqVE3imtqA8dQ_4_0"></a><a id="Tc_fvxwzIPWYEWkzdhtPS8HOA_4_2"></a><a id="Tc_W_ab0W6nb0OW4hvrb-X7lA_5_0"></a><a id="Tc_HoP9kIEWHU6pLsDvUiIW2A_5_2"></a><a id="Tc_-9K_3_HTB0yQ7iVIL0WOuw_6_0"></a><a id="Tc_Cd6ON-Xq2Eipdi3LmHZTJQ_7_0"></a><a id="Tc_bwWO216e6k-UWvEiizY9RQ_7_2"></a><a id="Tc_L301puwMN06SYNRyswABWw_8_0"></a><a id="Tc_yEK_hf5HG06zqCyNsYHU7g_9_0"></a><a id="Tc_LkhvvunWDEed9rnk8wsQDA_9_2"></a><a id="Tc__V83wVne1EWHtYdfByIiUg_10_0"></a><a id="Tc_trIKGnNyJEKbpyNmm3zAmA_10_2"></a><a id="Tc_qH8OgwPNuUmZbBSK4alMMQ_11_0"></a><a id="Tc_QAbpRq7MHU-Vvdcv-762ng_11_4"></a><a id="Tc_WVm6u3iitUeAL9qoOGQEkQ_12_0"></a><ix:continuation id="Tb_us0oneZj2E6xKNpQnIsoSg_cont1" continuedAt="Tb_us0oneZj2E6xKNpQnIsoSg_cont2"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">the hedged item. The significant benchmarks identified as risk components are LIBOR, EURIBOR and SONIA. These risk components are identified using the risk management systems of NatWest Group and encompass the majority of the hedged item&#8217;s fair value risk.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group hedges the exchange rate risk of its net investment in foreign currency denominated operations with currency borrowings and forward foreign exchange contracts. NatWest Group reviews the value of the investments&#8217; net assets, executing hedges where appropriate to reduce the sensitivity of capital ratios to foreign exchange rate movement. Hedge accounting relationships will be designated where required.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Exchange rate risk also arises in NatWest Group where payments are denominated in currencies other than the functional currency. Residual risk positions are hedged with forward foreign exchange contracts, fixing the exchange rate the payments will be settled in. The derivatives are documented as cash flow hedges.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="white-space:pre-wrap;">For all cash flow hedging and fair value hedge relationships, and net investment hedging, NatWest Group determines that there is an adequate level of offsetting between the hedged item and hedging instrument at inception and on an ongoing basis.  This is achieved by comparing movements in the fair value of the expected highly probable forecast interest cash flows/fair value of the hedged item attributable to the hedged risk with movements in the fair value of the expected changes in cash flows from the hedging interest rate swap. Hedge effectiveness is assessed on a cumulative basis over a time period management determines to be appropriate. NatWest Group uses either the actual ratio between the hedged item and hedging instrument(s) or one that minimises hedge ineffectiveness to establish the hedge ratio for hedge accounting.  Hedge ineffectiveness is measured and recognised in the income statement as it arises.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">IBOR reform - NatWest Group in the year continued to apply, for relationships directly affected by interest rate benchmark reform, Interest Rate Benchmark Reform Amendments to IAS 39 and IFRS 7 issued September 2019 (&#8220;Phase 1 relief&#8221;) and Interest Rate Benchmark Reform &#8211; Phase 2 Amendments to IAS 39 and IFRS 7 issued August 2020 (&#8220;Phase 2 relief&#8221;).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Significant transitions in the year were the GBP, JPY and CHF derivatives subject to cash flow and fair value hedging transitioned as part of the LCH &#8216;big bang&#8217; conversion in December 2021. The swaps were restructured to reprice off the appropriate risk free rate from the next repricing date post 31 December 2021 plus a spread adjustment. All impacted hedge accounting relationships had their designations updated to reflect this transition.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">USD cash flow and fair value hedges of interest rate risk that mature post 30 June 2023 continue to be directly affected by interest rate benchmark reform.</p><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">14 Derivatives continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Included in the table below are derivatives held for hedging purposes as follows:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" id="Tb_tTGZl6hV5katQ0hLFSUpSA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:33.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:32.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Changes in fair </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Changes in fair </p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">value used for</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">value used for</p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Notional</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Liabilities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">hedge ineffectiveness (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Notional</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">hedge ineffectiveness (1)</p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest rate contracts</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_W4ucS_we_0KMpPtGuTkpiQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_-KjMqrHi5E63l_FYYR5q5g_7_2">65.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_vBOW3zh4J0uee2pOjX7k2g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_9QUjubrSPkeT11QR0tp4UQ_7_4">1,176</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_c5rkSCtdzkeY9v7LhbTuHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_i5GEc3bjJ0ijPZ6vRCaxcw_7_6">2,057</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_4ZECeOAnrECWjY_fTKzyHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="Tc_dURoAQCuAkGogFkDIzpKzg_7_8">897</ix:nonFraction></b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_GCv_YTgvNUau80GgM_6AEQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_2v3ainEvSE6C9WpH3oNyVg_7_12">1,878</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_Y4jRmUAilUGjIrZXMd_1jA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_133gFVtbqUKZjYl2wtjuSQ_7_14">3,844</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_MnHRKWEYLkWe2kosiqh-Zw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" sign="-" scale="6" id="Tc_kQ-l842yU0yxgIrKOWIRwA_7_16">875</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span 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0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_InterestRateSwapContractMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_o1ZBOjW4mUmh8R75PDF6Vg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_O6k-m4im8kORq_R_ekmFZw_10_12">2,035</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_gjpLDhvPkkGBm1EbqE6KQw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_jTLVHVKAnUmgVMgtP-Mbnw_11_4">30</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_S5jWbHRc8UWKSzNu5um6HA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_C8TruLeUmUymAdp709F-Zw_11_6">109</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_wdPvDpth5ES6-TxuZWkTjg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_7OWIsWpNFE65G8LEwC9yLg_11_10">10.8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_RoQQu6-1BEeL0iPiLhOyFA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_PLeaTaNmlkiKntaW9O_YAg_11_12">37</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_iIn0VoEEZEyWr6BgMXvpNg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_3ZZ2l33fnkKl-3Y4OqU7lA_11_14">116</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_eGXgQcVvQk6F2xSR7WfxNQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" sign="-" scale="6" id="Tc_2blTQLAnP0mZcWewYcJ-Sw_11_16">55</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Net investment hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> </b><span style="color:#42145f;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Exchange rate contracts</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_LLESrweed0O0lSmrFIDvGQ" 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style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_YJv0Cn5rpUyK4xAtLyK14g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_F9rCDvCUhkmnbNSRMJJmFA_14_6">1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_8nQSqpc1BkOpLLbjBGrIuQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="Tc_F1hlgfb5r0uayKdhlLmCaQ_14_8">7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_iuC2Z8YrH0GW3AGEZF-jSg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_sIr11Gu6h0KqEFDv3DTBlg_14_10">0.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_HedgingInstrumentsAxis_ifrs-full_CurrencyRiskMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_fUrWei-jQUSA7K0pNB5cVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_Ggyw2-iIHk6trFqXgHv46w_14_14">9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MeasurementAxis_nwg_DerivativesBeforeIfrsNettingMember_u3fxIQ3A0EKVV9V6sVMZpg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_CvKdzbcWeEq9em8SKmRUeQ_15_2">206.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_DerivativesBeforeIfrsNettingMember_fuAPX3uDhkOIWypHGhmUOQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_szIqdMBcX0iW9gFYvQa_Hg_15_4">2,169</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_DerivativesBeforeIfrsNettingMember_17kVkyNvWU2_IUKIrd8H0g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_amPakTzH4U-xRA_qnzmyHQ_15_6">3,316</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MeasurementAxis_nwg_DerivativesBeforeIfrsNettingMember_CjgEa2PteEqxYFxozppm4A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_9zrFqUGFAEadSersEvTK6w_15_10">205.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_DerivativesBeforeIfrsNettingMember_B-5uAottjUWtBk9sOmDCEA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_aUnYsiG24kywTKNzV2r_Hg_15_12">3,950</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_DerivativesBeforeIfrsNettingMember_vBwnmEHPJ0WW8G35yywnnA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_oEzcRiJkEkyFqaO-zqBoCA_15_14">5,179</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_MeasurementAxis_nwg_DerivativesBeforeIfrsNettingMember_p_8Q6v5f1kWRlwVZMaa_8Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" sign="-" scale="6" id="Tc_2YOo679WdU2KI8ZOsiq_3w_15_16">702</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:31.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">IFRS netting/Clearing house settlements</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_IfrsNettingMember_Q2vsknLEyEWfTZBUialXaw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" sign="-" scale="6" id="Tc_g680eVNTEkGZfh-eN33LJQ_16_4">2,125</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_IfrsNettingMember_N5ISVih2f0KyIjRCLfyImQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" sign="-" scale="6" id="Tc_ueTfcSdlYEWFyYbiVl3QsQ_16_6">3,196</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_DerivativesAfterIfrsNettingMember_FM-S6HEmKU-vNZuroxNwoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_amkY_HStxkWspvyIdIEd-A_17_4">44</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.75%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_DerivativesAfterIfrsNettingMember_JaXkE3aPA0my1WNMRSbv0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialAssets" scale="6" id="Tc_LVRh4FJtmE6ji8dl6KNw_g_17_12">93</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_DerivativesMember_ifrs-full_MeasurementAxis_nwg_DerivativesAfterIfrsNettingMember_5FcyZwr4rU61zFxwemtFRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DerivativeFinancialLiabilities" scale="6" id="Tc_C0KPp8pEX0m6a0QCxnllBw_17_14">130</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The change in fair value used for hedge ineffectiveness includes instruments that were decrecognised in the year.</span></td></tr></table><div style="margin-top:3pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The notional of hedging instruments affected by interest rate benchmark reform is as follows:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" 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style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Fair value hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">EURIBOR (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_nwg_IfrsCurrencyAxis_nwg_EurIborMember_2NpoXgHCH0-ABVSd-RsW8Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_YqM_G9IxDEGAfv_J1btubg_4_4">13.6</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">GBP LIBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_nwg_IfrsCurrencyAxis_nwg_GbpLiborMember_DR7vH6iNr0GJ_jdktj1CGg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_izMQ8I6oYkyrmI85Y9UBtw_5_4">11.2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">USD LIBOR (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_nwg_IfrsCurrencyAxis_nwg_UsdIborMember_PqQVQ5GHIEq_YWGpzipG3w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_p1_-X1u3F0KG438MwwggeA_6_2">20.2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_nwg_IfrsCurrencyAxis_nwg_UsdIborMember_IeJk9q0pckSZ5bkwdL1IBA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_aZyV1UeGuEue7BCNoYZD2Q_6_4">26.6</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other currency LIBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_nwg_IfrsCurrencyAxis_nwg_OtherCurrencyMember_UakHOyZyzEy91HeISuekDw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_xtGbHPMNckC5qDJBq_-00A_7_4">1.1</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">EURIBOR (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_nwg_IfrsCurrencyAxis_nwg_EurIborMember_Tx3-_5vP1kSwhjvgThMDZQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_kFrQraTIQ0qJZk21GcX7bw_9_4">5.2</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">GBP LIBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_nwg_IfrsCurrencyAxis_nwg_GbpLiborMember_AMfjl2M_DUuUOKdng8yV9Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_unAt9SwaqkShhpNi3kH4SQ_10_4">51.7</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">SOFR (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_nwg_IfrsCurrencyAxis_nwg_SecuredOvernightFinancingRateMember_fITkSVa84ESG6Vq4gzZwMQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_pGKHAxmZ-k6UN3iNrIIXXA_11_2">0.2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:69.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">USD LIBOR (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_nwg_IfrsCurrencyAxis_nwg_UsdIborMember_3D0sZMj-B0qhNmlM6jAzYA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_bu-_OQ0eOE-I0lGoKMM-JA_12_2">3.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_nwg_IfrsCurrencyAxis_nwg_UsdIborMember_WIChnlaZ7UefkY8wEICJXw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_m_9U7uv7qUui_659zwIcQA_12_4">2.7</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In 2021 management concluded that EURIBOR is not expected to be significantly reformed further and therefore any uncertainty due to interest benchmark rate reform for EURIBOR has ended.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In 2021 the FCA declared that USD LIBOR will be non-representative post 30 June 2023; at the time of preparing the 2020 disclosures this date was expected to be 31 December 2021.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Hedge relationships subject to reform are those where either the hedged item or the</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">hedging instrument is subject to the IBOR reform.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Notional of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_RiskFreeInterestRateMember_nwg_IfrsCurrencyAxis_nwg_IfrsCrossCurrencyInterestRateContractMember_f7X2SaSbi0SPhr7OB75AwA" decimals="-9" format="ixt:numdotdecimal" name="nwg:NotionalAmountConvertibleToRepricing" scale="9" id="Narr_vIXvLIcGLEKN_MKjNlmX8Q">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion cross currency derivative contracts in cash flow hedge relationships will convert to repricing off the relevant risk-free rate at the first repricing date post cessation.</span></td></tr></table></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">80</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_7996782c_8ced_45dc_b702_3fcbb184fbbd"></a><a id="Tc_Of7ljWnJTEKCzSj2SItPxQ_1_2"></a><a id="Tc_Cao0Dtja5ESP9lAAuoZBYg_1_4"></a><a id="Tc_LUPY1BxxX0yzDLWjIwTLWQ_1_6"></a><a id="Tc_AVmAghgXd0W5RGbxR2w5bw_1_8"></a><a id="Tc_ZCySBru6aEao1FkshiCdLg_1_10"></a><a id="Tc_MRc47vbsNUONWZiBavPfUA_1_12"></a><a id="Tc_Nh7NDo8CrEq7vxfbhPki1A_1_14"></a><a id="Tc_MnkigCbjjEWyHXKtBAlzLw_1_16"></a><a 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id="Tc_Tey5sW2fbE60tlKnqzNZBQ_6_0"></a><a id="Tc_RH-IiAvB5kuOEoliKdVeRA_6_2"></a><a id="Tc_yi8D1-wT2UyQ0K63bfiEQQ_7_0"></a><a id="Tc_VMoHK4I18UGIioHnsGZVQQ_7_4"></a><a id="_2f1b2a61_06e4_49d8_9b59_f84db4a4ed2b"></a><a id="Tc_BWKWxzU3NkiUPSyntlhkGw_1_2"></a><a id="Tc_lgKMGzhsdE-nZjoMasuBHg_1_4"></a><a id="Tc_riH2HJ4TdkGN3wWgqoh1gQ_2_0"></a><a id="Tc_XEwiko3uQUCwckeZ0deczQ_3_0"></a><a id="Tc_DIsSln3DHEq2c_EakzKSug_4_0"></a><a id="Tc_2rXUZE-R8ECAVESyAT2ikw_5_0"></a><a id="Tc_hkN4sgkK-UmoRGx-cJcYtw_5_4"></a><a id="Tc_hNfZLlse0UifDHhSohf1fQ_6_0"></a><a id="Tc_7IiKXDJofkiS_Z2A2xTV1w_6_4"></a><ix:continuation id="Tb_us0oneZj2E6xKNpQnIsoSg_cont2" continuedAt="Tb_us0oneZj2E6xKNpQnIsoSg_cont3"><ix:continuation id="Tb_CJ1g8B7EHkOl4YIRi1HCUA_cont1"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:continuation><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">14 Derivatives continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table shows the period in which the notional of hedging contract ends:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfMaturityAnalysisForHedgingContractsTableTextBlock" id="Tb_p6b5cFjHbUq2ndyGO8B79Q" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">0-3&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3-12&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1-3&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3-5&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">5-10&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">10-20&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">20+&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Fair value hedging</span></p></td><td style="vertical-align:top;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">Hedging assets -  interest rate risk </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_YClVdMwT-kqH1iVuy13u9g" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_t71HfHz7EUCIYW3Y5xg_xQ_4_2">0.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_QPvqIMTo90-VSD-zwXCYIQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_44o8bgD0ukWfNriawFRlvA_4_4">2.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_qau-uy_Q4ESgwgA0MW29Bw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc__kgtLU8ixUaHi-QtW2jXGg_4_6">5.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_qkMxfLS59UmbR5SfcC5imA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_O1hkmFzT-k26ix1n4q52jw_4_8">5.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_K-MM_Zu5JUW7uresQ2LSdQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_dKwtEsX4mEmAsA1hkWtQvQ_4_10">6.2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_HK6T7mzi4ke-gBxcbdAKhQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_v0gEaSYBkUGZ57jngWxTpg_4_12">4.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_G-KMYzHfDEKkbeLKe0DF2w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_HJE4QXxf3UaZMdVx7o7h5w_4_14">4.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_5gKTiwdBh0ut2uREnGp5-A" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_ttO7u67Nc0m0xJbeLnJ6Uw_4_16">30.2</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging liabilities - interest rate risk </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_OHCd5XPGnUe5tkdCzRU4Zw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_b2pFQ6DqTUGqjBSDAV--JQ_5_2">1.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_wYMD6L-EbE6EDetw596Xiw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_9EnA7IDRuUK8DQCCXuGSRw_5_4">4.2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_5oz-Jdy49EOb3ltES3xsYg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_b_NtO4l4REmhLEPuI1t6qg_5_6">11.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_KkWqmFj-Pk6S700XDdKYaw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_cXZh_QM_VEumzwSGh4Xf1A_5_8">9.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_0H11m-9Ca02uNOC-qMzqOQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_nsOAvp7ncUW2j4kmEQtDSA_5_10">8.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_BQ2pSjl3KkSf8uJNFapFNQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_3Kn_ixJduUeGCzdXWtEmjQ_5_12">0.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_urHXxNgKUEWY1I4L3926ZQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_vgbW_xCjlUS75hYp-TvrUg_5_14">0.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_-un3Zx8b3k6l4oEI92zw7w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_h8PP-SM8vk6ME65ciFIXVA_5_16">35.4</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Interest rate risk </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_pfZhsrciD0u0iPwukSbclw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_j6Y5iZFqPU6TwjV6YLX12w_8_2">5.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_8fHVOxRxkkadG5WAhFKmKw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_1JHt9_R-1Um1xB7fmwHq5g_8_4">8.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_ENN344zEgUq2z0vPPZuHxQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_69AJjpW8pkmkLQclGswURA_8_6">14.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_PE8D-G-Z2kOoMQNQchYVEw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_kPRzP7uNPUmfL5QwAJ6Zwg_8_8">24.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_GVTGe2oamkavI_IalDXEew" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_gLi0HgmoXU2b5fs7AfE8aw_8_10">11.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_y5xdDJ6cPE2LkkAUEcb6-Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_i60qDE3w_kuRbvGg_3Dhdw_8_16">63.7</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">Average fixed interest rate (%)</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_pfZhsrciD0u0iPwukSbclw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_BVnVNG2ZpkCKP9pYzHAO-Q_9_2">1.40</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_8fHVOxRxkkadG5WAhFKmKw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_kSjq0BGVJk2bDR5OBCCZWQ_9_4">1.19</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_ENN344zEgUq2z0vPPZuHxQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_QINLwuMb4E-biHtcrZcZaA_9_6">1.35</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_PE8D-G-Z2kOoMQNQchYVEw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_2qkpmU_S0Ea4bUUrjJvlfg_9_8">0.65</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_GVTGe2oamkavI_IalDXEew" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_ZQVBSrMKKUK1jPQddlxHew_9_10">0.82</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;">&#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_y5xdDJ6cPE2LkkAUEcb6-Q" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_SX9qoV4h2ki9vyWiMW8D6Q_9_16">0.97</ix:nonFraction></span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Interest rate risk </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_oeuQB1pMyEq5xL3mAx__qw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_f5yAX09mn0O2-r6JtqfH0g_11_2">8.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3Bhqp8AhrEyOijgsOBbLcQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_XVm8MWbT5Uqly8IqDmSAew_11_4">21.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_-NICKRav50-jvgoFIARrVA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_qnxVmL7Lo0-U6J8zenQW0A_11_6">33.0</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_4CS-Uex--UGjE2xfeGBzdg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_COP3fgXhokuu7hnv6wNbBw_11_8">3.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3dVgSUkUOUWkYG32-5lIAw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_78xm2VTe50GBrk2mUToqdQ_11_10">2.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3mFMKMuL1Uyx9jPvQoo-mw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_2RZr00KRf0G1D0e3R2Q-1w_11_12">0.7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_9i6WUUy0PEWMeehVQXpFRw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_coPGwmN5QkSm1Q5A-U5TPw_11_16">69.4</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">Average fixed interest rate (%)</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_oeuQB1pMyEq5xL3mAx__qw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_yga_LsIpI0eokyGfcAJY8Q_12_2">0.50</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3Bhqp8AhrEyOijgsOBbLcQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_iV93NvIIakyL9FvpAb1y-Q_12_4">0.24</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_-NICKRav50-jvgoFIARrVA" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_lUmB80WQN0GL546jKn3vTA_12_6">0.41</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_4CS-Uex--UGjE2xfeGBzdg" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_P4ehayzsykagTIkyTwcmPQ_12_8">0.47</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3dVgSUkUOUWkYG32-5lIAw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_dm8J4x3BGEic4wCI4FhvYA_12_10">1.01</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3mFMKMuL1Uyx9jPvQoo-mw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_qi4y1Q9KfkOGr0w7py-MIA_12_12">4.55</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_9i6WUUy0PEWMeehVQXpFRw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_5_l8sJEX0EaMEbnwUl7hKA_12_16">0.44</ix:nonFraction></span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Exchange rate risk </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Exchange rate risk </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_81OtoaxPcUaAQ4kWrmjnXg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_C6p5uS7kt0uhV2RM0kLtGQ_16_2">0.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_4sUsShFFAUOGzfNM5nzYpQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_Ws1xTh1D10O_boa70DetXQ_16_4">2.4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_fyEtM-UVAEOY-Mf-tz0QZQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_Yv9fNNyUnkib0ioG-D0gcw_16_6">3.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_zchwqT8Ff0mawYOX23iazA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_wev2IaToSE2oLxjUf-U50A_16_8">1.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_ACIuK7TuFEK9TZdoZQqKTQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_9kKJDHEuEE6hEWap30COaA_16_16">7.3</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Net investment hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Exchange rate risk </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_yUmJe0cZIEaweC6IXY0-1Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_FDjMc27vEEq-qIJhw4EvOw_18_2">0.5</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_o5mZxvmwn0iyhxUx1nibjw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_GYS5erG2D0CN2dU_UqHoPQ_18_16">0.5</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:33.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Fair value hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging assets - interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_wSs-Ch0JjkOrZ3YS1dvzng" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_vRWYO55VT0GoZBMOUdmVIg_21_2">1.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_8Sej5C3b-0aAV_uu5QjCdQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_gQq9HBaYbUK9awYr1lGfsw_21_4">2.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_aIIq119DKEiNo_AsTkhWmw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_Oooh6pSLl0maXh44lwCPxg_21_6">6.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember__kvjoraf00WSvsH_qDGfQA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_4jiFxtnYWE6ESagkamLYGQ_21_8">7.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_4lNlrUCcw0Omch8aBP9C6Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_6lH2665rh0q2GO9jsAcGvw_21_10">8.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_n6cQUQs1_k6AykeWW0-kpA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_yks7uJZFG0mmgd5VB-4rTw_21_12">5.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_FLpvGt7WbEGVpkR5KOYNdg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_Vsslc0wOL0G9zNlG6Q3Ouw_21_14">4.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember__00czzgfBE6XB8xT9KFrAQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_8nOiZstgREiMMBw4TrQISw_21_16">35.4</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging liabilities - interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_AverageFixedInterestRateMember_ep_WsC2xN024ECqKqsKiWA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_rMcDrCM5XUOrULuWG1up5g_22_4">0.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_AverageFixedInterestRateMember_k4uhk0cEkE-VP3c8sC4hmw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_V0q66rt-R0SZKhkS98n30g_22_6">10.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_AverageFixedInterestRateMember_ODdwabEOwkuByeoPs7sfyQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_yX282VYjO0GbF75mDLUD7g_22_8">11.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_AverageFixedInterestRateMember_qvlRBDLAjUOUK6jKu2sSlw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_lcndq4Eu-0S1iYVQQOj2lg_22_10">7.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_AverageFixedInterestRateMember_9mvG1mfuqEqw34sy4r3eug" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_TbGAKXtUzkexoMSlNrz6Xg_22_12">0.5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_AverageFixedInterestRateMember_gDkr_RbG7kSkEC4OsiMZQw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_ysv27ifFr0i4mj0AyvEQVw_22_14">0.2</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_AverageFixedInterestRateMember_QBK2-NPXvUCyrk7gf8_tHA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_gm5_693VCEqPwt6sqtRaTA_22_16">30.1</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_i_IsGbAlsUS0L5vJ1giwfQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_0BCo5JwCwkGpuTVoKVxTdQ_25_2">0.7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_udc0W5in00W7MhB2LzhXfQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_lLkiPePXekqmlJ-fvW0Eog_25_4">10.5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_8mY41jcvD0uEHcTK73yVgQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_vDAznElSE0W4aIc0WD8Liw_25_6">19.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_KL1HO85F_E63wEFzsaX00g" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_GkVbefd3UUSS-30GBsZbhw_25_8">13.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_DB-Sx3HPfkqqaXvWFdiHkg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_v53AQUSdEEi3VVIB79CpeQ_25_10">10.5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_QX_-2sTXIkyuSagWpfiGsA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_VZnNa1NUXE6KsfOOhab5Vg_25_12">0.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_7QEdPUjJgU6j8t2DCfJTCw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_RroSuzBbBUeOwK9-gCF-Kg_25_16">55.0</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">Average fixed interest rate (%)</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_i_IsGbAlsUS0L5vJ1giwfQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_jnPHUj4jbESjaXdYvMsS-g_26_2">1.28</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_udc0W5in00W7MhB2LzhXfQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_E1Veg6o6pkO61W7HTdZI1w_26_4">1.22</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_8mY41jcvD0uEHcTK73yVgQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_v4bzJxh-Q0OwaeynaL98Lw_26_6">1.51</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_KL1HO85F_E63wEFzsaX00g" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_LbPKgBlxykOdOY4whX5Hnw_26_8">1.06</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_DB-Sx3HPfkqqaXvWFdiHkg" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_-Z2cZJTvbUyo9KcsdBDQMw_26_10">0.92</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_QX_-2sTXIkyuSagWpfiGsA" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_pO42-7ghL0m14-c6ytTtQg_26_12">3.12</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> &#8212;</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_7QEdPUjJgU6j8t2DCfJTCw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_FIZ0zUTtikC4ASR2BDWpPA_26_16">1.23</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedging liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_kx5qGohtmk6jt9-MeRsqtA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_nRiCdS0Unk-n2vYoIkxi5g_28_2">1.6</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_B0hzV5h-wEmIFZRR6e3olg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_PF5-i_K_8EO7ayWkR6yJbQ_28_4">28.9</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_g-r8829-W0ag5a6ePsniFw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_YvKPhLzV_Uaoa2cCFGwGSw_28_6">36.8</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_rSAgR30khkOwuYmk9FKncw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_ktrwrLTsIUCvokItYpFEew_28_8">3.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_0iqo0hOxG0i00vvnNW6CKw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_4GLTMbsGsUSfOpJ6Rjidow_28_10">2.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_P0UQMyWm3kCyoka2W8z9vQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_LLXV7pAUWEKy-nW73f4Azg_28_12">0.7</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_plAIgtuf7kiBJyaQj_V8pw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_lspVAS07BUKRnZ3DpMvoPw_28_16">73.8</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">Average fixed interest rate (%)</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_kx5qGohtmk6jt9-MeRsqtA" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_13f-sA48-EyF1RIPtv4bGA_29_2">1.14</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_B0hzV5h-wEmIFZRR6e3olg" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_gwtgQnaXc02XMQe6_hWlTA_29_4">0.78</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_g-r8829-W0ag5a6ePsniFw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_NNDSmp00S0KZeceQ6201kg_29_6">0.37</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_rSAgR30khkOwuYmk9FKncw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_q2IHx5dgckaxqdZyRpdu0g_29_8">1.25</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_0iqo0hOxG0i00vvnNW6CKw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_rTXpb5LfMEaLLHiKQhbIPg_29_10">0.65</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_P0UQMyWm3kCyoka2W8z9vQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_TyxeutHSpUOC4qMw5ZThig_29_12">4.55</ix:nonFraction></i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> &#8212;</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_plAIgtuf7kiBJyaQj_V8pw" decimals="INF" format="ixt:numdotdecimal" name="nwg:AverageFixedInterestRateOfHedgingInstrument" scale="-2" id="Tc_ZoHHg4x2TkqXg_b4x89v_g_29_16">0.64</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Hedging assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Exchange rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_bz3g10aJ_keq0IR2gEZDGA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_JKaAej8tEkOwh2H9HFYpAA_31_6">0.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_VZxUn5i63EOhwSyIPfrrVQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_0q1J7Gh2B061ET6FSgDM9A_31_16">0.1</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Hedging liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Exchange rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_xuX2TiPSfU-8Lvodinzi4g" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_FAci1z3FhUKPBLp9SHHMOw_33_4">3.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_3aej8wCj1k67dEW9tWTp_Q" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_M6FYmwAlNUqjsFMM7rPXGg_33_6">5.3</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_1pV74FA1pkaXig3CzdskbQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_Nzh7F_CSb0-UwVFaU8hx5g_33_8">1.0</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_uKtzgfBNS0mhvYtCe_f4Gg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_5C4kheKB80-jeRvz8hq06w_33_10">1.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_zdXO9DjXAkisO9gQV8ZEhg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_NTvBgHo9o0WCeEyvZ73A_Q_33_16">10.7</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:33.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net investment hedging</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:33.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Exchange rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanThreeMonthsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_FPqn7Y3Qp0yFMIaHwWw1Og" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_wYWZKE1tP0mAcKt_7ADkMg_35_2">0.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_Oi6HaqxNbkuDQC4qL5eEkQ" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_STDzy8O1skeinaM5FBOUAQ_35_4">0.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_Ukajaf9QaUykoU7K3jU8DA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Tc_fRHGUH2Bck2Ig7FOVc6Zpg_35_16">0.2</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">For cash flow hedging of exchange rate risk, the average foreign exchange rates applicable across the relationships were as below for the main currencies hedged.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfDetailedInformationAboutCashFlowReservesAndForeignExchangeReservesExplanatory" 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:77.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:77.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">INR/GBP</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_INR_GBP_F3i8xpp1Skesnmwd_VHZjw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_Je9-Qj9c7UG6TkSOlaI7pg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_NsT6T--m_kyHSxNLTrP1Ng_2_2">106.58</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_INR_GBP_F3i8xpp1Skesnmwd_VHZjw" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_t9zdYA9ryU-3BxJiWOfMJg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_dOtFQbeTFkGh90drvIfeeg_2_4">95.29</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">USD/GBP</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_USD_GBP_1xY5YRBruk-qxjjTaob7gg" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_Je9-Qj9c7UG6TkSOlaI7pg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_j0RGVnlEEEe0xcaEjF2HLw_3_2">1.38</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_USD_GBP_1xY5YRBruk-qxjjTaob7gg" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_t9zdYA9ryU-3BxJiWOfMJg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_bIqSsJzZdkm4WB_MaYijAA_3_4">1.36</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">CHF/GBP</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_CHF_GBP_CPu-Up9FCUmZoAQxnOlXoQ" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_Je9-Qj9c7UG6TkSOlaI7pg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_Zr2JYT47_EmGKbDRMBpDbA_4_2">1.25</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">n/a</p></td></tr><tr><td style="vertical-align:bottom;width:77.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">JPY/GBP</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_JPY_GBP_pTHGRgHd0UOyJIign9RtTw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_Je9-Qj9c7UG6TkSOlaI7pg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc__FUqpw9gl0aPKFwB2eyRgQ_5_2">132.93</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Divide_JPY_GBP_pTHGRgHd0UOyJIign9RtTw" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_t9zdYA9ryU-3BxJiWOfMJg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_BWTdA9ywp0Wj81MS-6h9-A_5_4">132.93</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">JPY/EUR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">For net investment hedging of exchange rate risk, the average foreign exchange rates applicable were as below for the main currencies hedged.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:77.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:77.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">SEK/GBP</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_SEK_GBP_5Z3LO_lJykKXTWvW-NwV0g" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_nwg_ForeignExchangeHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_HeXN8MobAk2SSU55ztCnyA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_mYz1cLZo5UWuW5FvU5jYVQ_2_2">11.74</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_DKK_GBP_zTMfKhoejkagb9ggIRG0yw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_nwg_ForeignExchangeHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_HeXN8MobAk2SSU55ztCnyA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_DM5MhcFNiUSRskn0tpJ_2A_3_2">8.85</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_NOK_GBP_dp2UxHeUKEiQWS3FiS8h1w" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_nwg_ForeignExchangeHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_HeXN8MobAk2SSU55ztCnyA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_opm6AL0hrE2pWbLkLb-XhQ_4_2">12.12</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_AED_USD_lC8WBv9rqk6W-cRZ0atgkg" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_nwg_ForeignExchangeHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_HeXN8MobAk2SSU55ztCnyA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="Tc_LSyBDqchCEWASQ4w5wnEpA_5_2">3.67</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">n/a</p></td></tr><tr><td style="vertical-align:bottom;width:77.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">USD/GBP</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Divide_USD_GBP_1xY5YRBruk-qxjjTaob7gg" 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">81</span></p></td></tr></table><p 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Impact on </b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Changes in fair </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">hedged items</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">Carrying value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">Impact on</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">value used as</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;"> ceased to be</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">of hedged </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">hedged items</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">a basis to</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">adjusted for </b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">assets and </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">included in</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">determine</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 1.5pt 0pt 0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;"> hedging</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">liabilities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">carrying value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">ineffectiveness (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">gains or losses</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Fair value hedging - interest rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Loans to banks and customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_TezrSIKTH0q5zKwDDYgLiw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_iormVa-VuE-VMyk2PavFNQ_9_2">6,603</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_TezrSIKTH0q5zKwDDYgLiw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="Tc_KBS63Ev-dEytn79p536nuA_9_4">701</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_mNfqUVOTX0q_ycmy7nPBeg" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_iVRYsacuUkKJuU3TSmOewA_9_6">478</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_TezrSIKTH0q5zKwDDYgLiw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="Tc_4cKMPvQ9rUqPabP_US7uQQ_9_8">69</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_ljmzOxewf06wpVHtMLZs6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_zz2lVqliB0qN6sUJGeXHKA_10_2">30,882</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_ljmzOxewf06wpVHtMLZs6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="Tc_ImZmfup58EyB4G-UIn4epw_10_4">518</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_ru3Gs8zQSU6Io77upJ79aw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_Z4rq-BD43029UQRTAppgzw_10_6">1,576</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_fdfrEksSxkCiOlwDCPw7Xg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_OgC15r9c4k-QxzYpRgHSWw_11_2">37,485</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_fdfrEksSxkCiOlwDCPw7Xg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="Tc_7o_uP_8tl06eoITHBpw8Mg_11_4">1,219</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_w07tHjjKe0i4clWl21ToiA" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_-3ZtpYURc0GU07B4tlT3Ag_11_6">2,054</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_fdfrEksSxkCiOlwDCPw7Xg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="Tc_ftgQQ2Mr0UillngDNRqZTA_11_8">69</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial liabilities - debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_AZtB8SIKM0CxloGRgnoq_A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_sVt452mMDEGY4UN2XSgNlA_13_2">34,371</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_AZtB8SIKM0CxloGRgnoq_A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" scale="6" id="Tc_OEYqF0gOwEK_3ss6vQq5lg_13_4">454</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_tq2_ySEKF0eoul-MJqE2JA" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_vc2MPJnAZk6GOYFWPoTAkQ_13_6">953</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_xBV21cftgkCvfHXoXLlr3g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_-aMZ4cRFpU6M8vTx4xk5Mw_14_2">6,235</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_xBV21cftgkCvfHXoXLlr3g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" sign="-" scale="6" id="Tc_nalNQ1e33E-IBR7B_DZvOw_14_4">9</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_OYTTyvfgFEKx-sw9yiLjVQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_R13ZOB5MikeFZh40Hs5fKw_14_6">255</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_fdfrEksSxkCiOlwDCPw7Xg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_Pne6yq-Rek-ynmyaGXu0Kg_15_2">40,606</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_-un3Zx8b3k6l4oEI92zw7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" scale="6" id="Tc_W8CzE9zs7UexA7J2zsT5uQ_15_4">445</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_INhWPLmwNEKt-R5M9LD65A" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_hV-pQmixP0eEJSjDvhu1CQ_15_6">1,208</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging - interest rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Loans to banks and customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_dp9ebFXd5kqrX9Llls8sRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_oArziCKIGEKxQGSvKZfrKQ_18_2">63,025</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_1IAuvv_Sj0yoATQu6Lz8hQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_gxqJG52KkkWbwSK2GGrD4Q_18_6">1,984</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_ZZBlZ5n5D0em95wgZKpcdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_Pf1LRCKBI0yL7k9P6PA2PA_19_2">714</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_E3COUSwT7EuMSxUu1q2uCg" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_TVSHqsrIF0iBsoI_IJL1uw_19_6">26</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_o5EYjUIaFUy-8tlwpJpBMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_kSvk55kNUkuiJbm_3lBCEw_20_2">63,739</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_SeyHuqEFUUSX_VfZpARpdw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_AtQXNM5uy0CMODGitZ7ESA_20_6">2,010</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging - interest rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Bank and customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBankAndCustomerMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_c4C4ADM1XE-J4DD65vPEkA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_Ca-w6eHpdEWjcibhJNTR8w_23_2">68,383</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBankAndCustomerMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_85RK4E_qjk6WjVnuxGCiwQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_NKOzDYkgN0KR4CAFhzuNrw_23_6">1,084</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial liabilities - debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_EYc7UoAia0WH-pIbj_-drA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_OUSt5F-Or0eOEnfwdYayuA_24_2">1,006</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_Bf38FsmawE2rZjuZ2-Bmmw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_OgTJgca0WEWcZUyd5mXt8Q_24_6">21</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_o5EYjUIaFUy-8tlwpJpBMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_Da7ShxagwEevjQN62gd35Q_25_2">69,389</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_fcbER_Q6rk-erpPAg6FD0A" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_Y9CAS8P4P0uUwhccz6O2mw_25_6">1,105</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging - exchange rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Loans to banks and customer - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_DoQ8PPm5Tkq0CN52FJ61_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_QKEj7mT_wUSEybUBqyKehA_28_2">21</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_VVytFlqlwUGdGC1UrQhcgA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_jQVa9tkgt0Cgy5E4M2ocZw_29_2">2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember__MACYl0--Em8Smi6ByeCeg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_U8w4jnpviU6NS02bFwNJ5g_30_2">23</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial liabilities - debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_75m92i7CwEK0dPbQFTCn0w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_JvKtv8rMB0-y6hWZ1RRaCw_32_2">6,337</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_C3-l2tyRsEa98oIb391Fng" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_XZKmYSwXYkKtY14uC77FZw_32_6">5</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_7IJG6LQxwkS94sDSbaOF7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_kQlJUQqGOEWnkQLMkhcpiQ_33_2">742</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_o796XJRSA0WMcxZngzhNaQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_7phnbs-52keuQjT6wPjVtQ_33_6">12</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_OiEk1_-9-0aGCloLhxAosw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_bmL7Et9EMkS52BtrdcJUHg_34_2">200</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_QnC6M-xnQUuhHQgHBiNi2g" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_lrbEVigK4kCd3hgEVZMSyg_34_6">10</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember__MACYl0--Em8Smi6ByeCeg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_LVR_8J1HQEus9phbL_bhyQ_35_2">7,279</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_y-4zS9ziEkiZrR66oAIX8Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_dHmgsD1A9Uak4xjqUHCyaw_35_6">27</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:7pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">2020</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Fair value hedging - interest rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Loans to banks and customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_QAnAT0YgR0mX1mCdHCeYkw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_NG38vJgSyU6CnodQQWl4zw_39_2">6,858</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_QAnAT0YgR0mX1mCdHCeYkw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="Tc_ys-63YrGdkasrIU7pn7ZdA_39_4">1,228</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> 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style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_QAnAT0YgR0mX1mCdHCeYkw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="Tc_B9ojvruH3E-Vc4k58H1WVQ_39_8">77</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_L_PvPKUgXE-W9NbglDtBsg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_FS9FqbdTzEmB4IpOGn8vJA_40_2">35,754</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_L_PvPKUgXE-W9NbglDtBsg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="Tc_7l8WgwMiJ02dOYa4wq7wvA_40_4">2,268</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_cgUVliPPkk6n-T1tgd9TPQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_WzfmrY5UQE-KuhsNckkMkQ_40_6">1,568</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_FlZDTvNdcU2XxTVRkXESAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_ifbx4H_xxkm-Immz5WPJSA_41_2">42,612</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_FlZDTvNdcU2XxTVRkXESAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="Tc_zPK4dQFHskSGXIZSglZZxQ_41_4">3,496</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_MDAtWa8UvUWBPCuBGtZ29A" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_dzY6b1HlukydTwiJizfzDA_41_6">1,891</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_FlZDTvNdcU2XxTVRkXESAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="Tc_stlHsLeUN06Zemj76x3CFg_41_8">77</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial liabilities - debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_LUBWuFzp3kOs0PL_yCEgNw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_L47t4BG65Uu6XMWFdbIuYg_43_2">29,317</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_LUBWuFzp3kOs0PL_yCEgNw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" scale="6" id="Tc_jcRyEArpK0OMV8fqPHslpg_43_4">1,336</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_Z0dJaOjAmkS15mavHyflAQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_GpSBEteT9kSlbh1Mgn6mRw_43_6">746</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_vsm69jHQR0ysJDnx6IO1ag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_wYt0TQx7oEC7cIQprbw63A_44_2">6,441</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_vsm69jHQR0ysJDnx6IO1ag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" scale="6" id="Tc_wmqHHDRO0EyWER3DMMbR-w_44_4">293</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_ppB8-NCjjU-Bn4wEHqM2rw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_4II-Thi1AEOsLndxCRbphw_44_6">268</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_vsm69jHQR0ysJDnx6IO1ag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" scale="6" id="Tc_-qZanMAAckumlL7E-stttw_44_8">10</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_FlZDTvNdcU2XxTVRkXESAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_880zZr-ymEmSqZ4gwOm9rQ_45_2">35,758</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember__FQbkhZLUUmXors6W4bIBw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_-eFg2UcPTUCtEDAMv4TEBw_45_6">1,014</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_FlZDTvNdcU2XxTVRkXESAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" scale="6" id="Tc_DNXIH9iNnUiOoZg9_C4iLg_45_8">10</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging - interest rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Loans to banks and customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3or7TnAmLkeQac-hMdj1UA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_KAqfbj-SOkS7VJt_FBeeiw_48_2">53,335</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_qILKpGtCqEysbz-W-IrJuQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_W5dZ8t0s2kGYE1GvfO5Rhw_48_6">601</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_gbnpSMnx3UGD8FQFRfhgjQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_MR0x9BvPI0CiOQD-u5hdPA_49_2">1,550</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_tAZBapGqIkGYQlVw6DOuAA" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_8ZZQf1y2JEKXxzGwN-VW3A_49_6">16</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_UxKW7hZhAUGbcGJ73tBxMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_03wbzMXx4E-DwLRxKgmHHw_50_2">54,885</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_fFwE5Ea_wU2tAFySoiMaKQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" sign="-" scale="6" id="Tc_e5yfSuDk6EaUvj_uHjbZYw_50_6">617</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging - interest rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Bank and customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBankAndCustomerMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_dlA7A_Brf0isMRtZF54qow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_pZhD1ODrYUOCcN3wzm1W6A_53_2">72,880</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DepositsByBankAndCustomerMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_qV6MBZAGZE-gO0J2npH4VA" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_g2PYC7G1ZEW6vGETFWYOzg_53_6">409</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial liabilities - debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_I4nIDx3F7kyDN8OkQcHPCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_eLCMSkdcjEWb_yh9qeWbCQ_54_2">1,014</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_RDGCHHRpmEiIxowxhJpz8g" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_FaCiIvGn5U-BFfY0eq-y-Q_54_6">13</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_UxKW7hZhAUGbcGJ73tBxMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_Bcg0Ba-gnkmIrxvdjPnNMw_55_2">73,894</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember__TfQYkqDxkKSkbOLbgos6w" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_wxnSoPSMqEW1rRUWvlCVOQ_55_6">422</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging - exchange rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Loans to banks and customer - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_a46KNgsTjUC6RAjUnoLj_A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_6I5tRuHs50ykmm0LrBAabw_58_2">112</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksAndCustomersMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_GNmqE-AvG0GOgllxScwccQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_MQFV6FstCE6k_-iRr9m42Q_58_6">1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial assets - securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_FinancialAssetsOtherSecuritiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_DdAWkoLESUaoItd5F-8WKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_ewxnKri4GkmJRaTzzbjRvQ_59_2">30</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember__mi0YxPmGkO9I5L_MIybMw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemAssets" scale="6" id="Tc_8kjFDqSdNUq3gifRh-f24A_60_2">142</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingAssetsMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_dNMqCnwfpEKRC2CjHEOunw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_XAIU2WLs0kuRrRnKrY1dsw_60_6">1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging - exchange rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Other financial liabilities - debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_Fir-tQlguUKZyer01UTIpg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_UDpt0_1KYkO-ICTJMwyozA_63_2">6,272</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_UXZGAtsyKk2KDefgglecYw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_pbZK2Qa9n02jJ9QBoSxTyQ_63_6">20</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_scCqX2Uj2UKnB8AGZacEIQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_X16FgpVzzEWjvYIjrABFLA_64_2">4,194</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_SubordinatedFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_h5rQmEi7rU61CpVRQRLcBw" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_3iNo0wKdjkuN4F4HdKc1bg_64_6">36</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="white-space:pre-wrap;">Other  </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_OtherFinancialLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_RLutTf1mf0aMhCXFqQ1eYA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_ROMdhxVGNUK6P4n6iYx8tg_65_2">152</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid 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style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:38.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember__mi0YxPmGkO9I5L_MIybMw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:HedgedItemLiabilities" scale="6" id="Tc_OqaITPW9xEq-A8WiL2ZQkQ_66_2">10,618</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_HedgingInstrumentsAxis_nwg_HedgingLiabilitiesMember_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_DX9-jwydDUmEMkrMcTDaHQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" scale="6" id="Tc_uMZtFTIgWkqKUdrf7CAfNw_66_6">54</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:13.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The change in fair value used for hedge ineffectiveness includes instruments that were derecognised in the year.</span></td></tr></table><div style="margin-top:3pt;"></div></ix:nonNumeric></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">82</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_919d13c2_b0b3_4bc5_ac74_fc62317d65ea"></a><a id="Tc_XohUjQPXEUOfE6NBTmG2kQ_1_2"></a><a id="Tc_i7vGTw1hFkSJyHMAf7mJ9w_1_6"></a><a id="Tc_WlZMUKeboUm4s7z8028keg_2_4"></a><a id="Tc_uf13WdgkQ0-UZTS-78PatA_2_8"></a><a id="Tc_tHUkG3KKEkOQEm9imgl1uw_3_2"></a><a id="Tc_2CvoDZl__EiomgA6aa7iQQ_3_4"></a><a id="Tc_v5JsyGMTKkCtHROP6Q5Y6w_3_6"></a><a id="Tc_-ciwh3rStkiBBssdU4tRNQ_3_8"></a><a 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exposures will be affected by interest rate benchmark reform (notional, hedged adjustment):  </span></p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfDetailedInformationAboutRiskExposuresAffectedByInterestRateBenchmarkReformExplanatory" id="Tb_5-nIT4hySEKTEYE2NQYqmA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Hedged </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Notional&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">adjustment</p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Fair value hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">EURIBOR (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EuroInterbankOfferedRateEuriborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3PdOAZygHU6NwVxw4ZNhSA" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc_L0_4vrq-NEaV-F9jrKGVgQ_6_6">15.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EuroInterbankOfferedRateEuriborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_3PdOAZygHU6NwVxw4ZNhSA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FairValueHedgedAdjustmentsOfRiskExposure" scale="6" id="Tc_At-NitKQFk6XPM5xAP2PjA_6_8">27</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">GBP LIBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_78ah9SNeu0SlhL-v8SRiCg" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc_JSpgMqC-2ESZPbXQ8AKHRA_7_6">11.4</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_78ah9SNeu0SlhL-v8SRiCg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FairValueHedgedAdjustmentsOfRiskExposure" scale="6" id="Tc_x__jV9eGykuZBMOiD4Lapw_7_8">1,178</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">USD LIBOR (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_5YjTJbF6aUW0jJdU9ytflg" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc_JSaFINEfhEmnVgL28WphcQ_8_2">21.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_5YjTJbF6aUW0jJdU9ytflg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FairValueHedgedAdjustmentsOfRiskExposure" scale="6" id="Tc_Wd1W0onmcEiD0Gs7p9hXkw_8_4">7</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_0nhuc_qShkCCoc7kxTFZHA" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc_shkCIHitYEqjVF9c-PJA-w_8_6">28.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_0nhuc_qShkCCoc7kxTFZHA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FairValueHedgedAdjustmentsOfRiskExposure" sign="-" scale="6" id="Tc_lCChGNdr002noFvyltWLrg_8_8">427</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other currency LIBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_966OC069gEWkkveKlTCALQ" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc_3KBsyN7pO0ChncC1qtHH5w_9_6">1.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_FairValueHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_OtherIborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_966OC069gEWkkveKlTCALQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FairValueHedgedAdjustmentsOfRiskExposure" scale="6" id="Tc_hCthtJXRt0eHcCtARfOcAA_9_8">1</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cash flow hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">EURIBOR (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EuroInterbankOfferedRateEuriborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_4kUNncLG5k2X9JuX9z8zVw" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc_edGu2WZjn0qv5Z-syg8WTg_11_6">4.1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_EuroInterbankOfferedRateEuriborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_4kUNncLG5k2X9JuX9z8zVw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FairValueHedgedAdjustmentsOfRiskExposure" sign="-" scale="6" id="Tc_uNIBaf76uUi8NMMy3BJ_2g_11_8">76</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">GBP LIBOR</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_qyqeqQ6QbkqZEaf4zBC-Mg" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc_dv_TZdCb40SAQxdwUFnOlQ_12_6">10.5</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_GbpLiborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_qyqeqQ6QbkqZEaf4zBC-Mg" decimals="-6" format="ixt:numdotdecimal" name="nwg:FairValueHedgedAdjustmentsOfRiskExposure" sign="-" scale="6" id="Tc_NwiHZrkJ-0SgZx5_q8LFMw_12_8">473</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:50.92%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">USD LIBOR (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_UsdIborMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_g1nRTocqdUKJmACm-1pprw" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountOfRiskExposure" scale="9" id="Tc__XM-nDZljkiMjeW8F5PrmA_13_2">3.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">SONIA (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In 2021 management concluded that EURIBOR is not expected to be significantly reformed further and therefore any uncertainty due to interest benchmark rate reform for EURIBOR has ended.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">In 2021 the FCA declared that USD LIBOR will be non-representative post 30 June 2023; at the time of preparing the 2020 disclosures this date was expected to be 31 December 2021.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Hedge relationships subject to reform are those where either the hedged item or the hedging instrument is subject to the IBOR reform.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Notional of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfInterestRatesAxis_nwg_SterlingOverNightIndexAverageMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_YO510Ty6rESNGykyRYeA6w" decimals="-8" format="ixt:numdotdecimal" name="nwg:NotionalAmountConvertibleToRepricing" scale="9" id="Narr_uhW-WlSINUy-a_J0e8ka5g">6.5</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion GBP LIBOR hedged items in cash flow hedge relationships will convert to repricing off SONIA at the first repricing date post cessation.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">83</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_c6da20d5_38cb_410f_b129_ddac804479f6"></a><a id="Tc_-4MqOFCnU0CRW2za62T94Q_1_2"></a><a id="Tc_V6xHYqRDPUqFVbQ1nogjtA_1_6"></a><a id="Tc_jySL0A-5JEC-vQboTGq-qQ_2_4"></a><a id="Tc_XHv5mHYzzU6VdjZ-7W8WeQ_2_8"></a><a id="Tc_NlrUPzuukESxesp1S6DEyA_3_2"></a><a id="Tc_KCa5U4cSpU-SFepBDKy9Hw_3_4"></a><a id="Tc_zuV1mClAy0-kie39R9FHRg_3_6"></a><a id="Tc_V2qZ1Wvu4EWK5K9YG03tXw_3_8"></a><a 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id="Tc_ZHDAORw9g0qJpB7Xau5j_Q_6_0"></a><a id="Tc_y99reINMCUi4nqGoXfw_uA_7_0"></a><a id="Tc_voZyCQshjUG7nHiq3M5BvQ_8_0"></a><a id="Tc_MWL1leM390yEOmPJZkU6OA_9_0"></a><a id="Tc_SWI6fiaJmkOyb-6Qi5lP7A_10_0"></a><ix:continuation id="Tb_us0oneZj2E6xKNpQnIsoSg_cont5"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">14 Derivatives continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table shows an analysis of the pre-tax cash flow hedge reserve and foreign exchange hedge reserve.</p><ix:continuation id="Group_DqhBf8VdVUSZIcjCIoS6bw_2"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:1.52%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;width:23.61%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;width:23.86%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Foreign</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Foreign</p></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Cash&#160;flow</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> exchange</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Cash&#160;flow</p></td><td style="vertical-align:top;width:1.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"> exchange</p></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">hedge reserve</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">hedge reserve</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">hedge reserve</p></td><td style="vertical-align:top;width:1.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">hedge reserve</p></td></tr><tr><td style="vertical-align:top;width:50%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:top;width:1.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Continuing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_A7i9XJhXZkuWtG5Xhq2NRQ" decimals="-6" format="ixt:numdotdecimal" 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style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_86S2G4GraUy3BaJ84kEwJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="Tc_yUEqaucyXk6W4nVVHxFL-Q_7_6">695</ix:nonFraction></p></td><td style="vertical-align:top;width:1.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><span style="font-size:8pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_A7i9XJhXZkuWtG5Xhq2NRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" sign="-" scale="6" id="Tc_-HQzW7oh7EOCyWgbOnnusQ_11_2">297</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_86S2G4GraUy3BaJ84kEwJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" sign="-" scale="6" id="Tc_wfpKjp_x1EiOF3GyeQOQKw_11_6">424</ix:nonFraction>)</p></td><td style="vertical-align:top;width:1.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:50%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Foreign exchange risk </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_3_Nlu3hoQk-GzmbGQ2wfcQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" scale="6" id="Tc_LrqMD59-N0WO7QeYeIGOlQ_12_2">10</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_3_Nlu3hoQk-GzmbGQ2wfcQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" sign="-" scale="6" id="Tc_CJffpcTUXk2BdpUXKnRqQg_12_4">759</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_aVjcdDHIlEKeXE05TisgQQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" sign="-" scale="6" id="Tc_KyVW5kGKYE6fyomiyxBJtw_12_6">1</ix:nonFraction>)</p></td><td style="vertical-align:top;width:1.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_aVjcdDHIlEKeXE05TisgQQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" sign="-" scale="6" id="Tc_n1KPlLcGhkWVbQC6w4sTfQ_12_8">775</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:50%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" sign="-" scale="6" id="Tc_yHYW54jQE0ice20AIg1zIw_13_2">559</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationContinuingHedges" sign="-" scale="6" id="Tc_Qvk5PS7fC0GXJES7lBhTZQ_13_4">706</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="Tc_dWV3dzuSWUm-YWBZi9cZOw_13_6">292</ix:nonFraction></p></td><td style="vertical-align:top;width:1.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationContinuingHedges" sign="-" scale="6" id="Tc_qqZihRvWskanSTvi015XSw_13_8">788</ix:nonFraction>)</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:49.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:49.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;width:23.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;width:23.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:49.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Foreign</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Foreign</p></td></tr><tr><td style="vertical-align:top;width:49.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Cash&#160;flow</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">exchange&#160;hedge</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Cash&#160;flow</p></td><td style="vertical-align:top;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">exchange&#160;hedge</p></td></tr><tr><td style="vertical-align:top;width:49.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">hedge reserve</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">reserve</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">hedge reserve</p></td><td style="vertical-align:top;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">reserve</p></td></tr><tr><td style="vertical-align:top;width:49.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:top;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:49.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amount recognised in equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:49.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_zJYv2m9s1UeLlrPAj9CR1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" sign="-" scale="6" id="Tc_cQB5ENt3M0uG7X2TYse0ig_7_2">700</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_FGANcdqVeU2zeW65f1yGcQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" scale="6" id="Tc_K9JQXxOIkUea0jgcBGZmOg_7_6">318</ix:nonFraction></p></td><td style="vertical-align:top;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:49.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Foreign exchange risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_q9L2vY3ACkuwIUw4w3Zyzg" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" scale="6" id="Tc_YNvk5jc_wkia9Cz7NuPI1A_8_2">13</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_q9L2vY3ACkuwIUw4w3Zyzg" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" scale="6" id="Tc_CZrdsJMbakW1gQGLT3jw3g_8_4">88</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_27OZjTMctkymyZnpQOypiw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" scale="6" id="Tc_zIxQQSIjL0WMvFpQMTJRJA_8_6">3</ix:nonFraction></p></td><td style="vertical-align:top;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_27OZjTMctkymyZnpQOypiw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" sign="-" scale="6" id="Tc_VqZ32K6C3E6K0DcsflNcFA_8_8">57</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:49.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" sign="-" scale="6" id="Tc_zmxkzXwK3kmVARFfVr9ZQw_9_2">687</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" scale="6" id="Tc_WVXSuWDeQkuVePKMmJgdaA_9_4">88</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" scale="6" id="Tc_UTvJgtp6vU-9cAqmWRw_fQ_9_6">321</ix:nonFraction></p></td><td style="vertical-align:top;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" sign="-" scale="6" id="Tc_UEaYjaaYOUiB2AatKiaXeA_9_8">57</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:top;width:49.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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id="Tc_LKR1JBe5Tk6bLoaUnSJ2fA_15_4">2</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_nwg_IfrsIncomeStatementLocationAxis_nwg_OperatingExpensesMember_8-KXXcWktUSckA7T-oCKrQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" scale="6" id="Tc_PvX5HNfxRU21KEa7e0CDXA_16_2">3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;width:1.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfRisksAxis_nwg_ExchangeRateRiskMember_nwg_IfrsIncomeStatementLocationAxis_nwg_OperatingExpensesMember_Ubg6RxVFRUiZQJ9APQ-dZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" scale="6" id="Tc_4sLHrJ4OFUSqquDK8aMJ_g_16_6">4</ix:nonFraction></p></td><td style="vertical-align:bottom;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:49.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" sign="-" scale="6" id="Tc_jlb2sB2eY0WLr1kjzxVygQ_17_2">161</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.12%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" sign="-" scale="6" id="Tc_LK41fjaWG0KNqCHuZC1UJQ_17_6">50</ix:nonFraction>)</p></td><td style="vertical-align:bottom;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax" scale="6" id="Tc_dVtSwOPZRECcgJkTGArXIQ_17_8">2</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">There was </span><span style="font-size:8pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_nwg_IfrsIncomeStatementLocationAxis_nwg_NonInterestIncomeMember_k4TsAEGMAEqKMK7O-K8-Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" scale="6" id="Narr_seo7BBQcnkeOUx69kda2qA">20</ix:nonFraction></span><span style="font-size:8pt;"> million reclassified from the cash flow reserve to earnings due to forecasted cash flows that are no longer expected to occur.</span></p></td></tr></table></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Hedge ineffectiveness recognised in other operating income comprises:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfInformationAboutAmountsThatAffectedContinuingOperationsInOtherOperatingIncomeAsResultOfHedgeAccountingTableTextBlock" id="Tb_zdW9AMiujU2HQRVRblsplw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:70.68%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:70.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:70.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:70.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Fair value hedging</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:70.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">(Losses)/gains on hedged items attributable to the hedged risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:70.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest rate risk</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_RcC4GOW1NEWTvsUN7coD9Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_m61jk_cytESeJkv_XwEG4Q_8_2">26</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_W0K144q_wEmusdUSHfaGfQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="Tc_inq6anQE20ivaIyKoQQk1w_8_4">22</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_ifrs-full_TypesOfRisksAxis_ifrs-full_InterestRateRiskMember_jYg4a0NKBE2RAJSKtqWklw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="Tc_j7dlPrR_WUiyE2JKJtqSsg_8_6">23</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:70.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash flow hedging ineffectiveness</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_5L3Oe6Atdk-oDJE_Vpp2AA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" sign="-" scale="6" id="Tc_6gSfE6wCQ0C_G0oV_uezsw_9_2">26</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_RT2N03vFRkKzOl2Xjk3Pgg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="Tc_mP4XPmOMxUWUREA4MfuZrQ_9_4">22</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_TypesOfHedgesAxis_ifrs-full_CashFlowHedgesMember_3zLVumtMZ0yP-TTQTsLsfA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="Tc_n98TngCNxEqTpSJDGR7AWg_9_6">23</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:70.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="Tc_rhYUWztqMECN_i00HYVSNw_10_2">25</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="Tc__dQxFuAkHEyTr8MZykXqaw_10_4">24</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="Tc_Mu5fwvdY-kGAXPhGExVNcQ_10_6">48</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The main sources of ineffectiveness for interest rate risk hedge accounting relationships are:</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#42145f;font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The effect of the counterparty credit risk on the fair value of the interest rate swap which is not reflected in the fair value of the hedged item attributable to the change in interest rate (fair value hedge).</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="color:#42145f;font-family:'Symbol';font-size:8pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Differences in the repricing basis between the hedging instrument and hedged cash flows (cash flow hedge); and</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;">Upfront present values on the hedging derivatives where hedge accounting relationships have been designated after the trade date (cash flow hedge and fair value hedge).</p></ix:continuation><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><a id="a15Loanimpairmentprovisionscontinued_535"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" id="Tb_GaSbqon9k0So4NxcVDifYw" continuedAt="Tb_GaSbqon9k0So4NxcVDifYw_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">15 Loan impairment provisions</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Loan exposure and impairment metrics</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">There is a risk that customers and counterparties fail to meet their contractual obligation to settle outstanding amounts, known as expected credit losses (ECL). 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Loans - amortised cost</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Stage 1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_0vWxF-BHRUm0r_y_xZLNLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_66PB5GmbWEmQt_vSugmx4A_5_2">33,981</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_Vr3cX2JH50qODggXEdHjKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_AtCUu4MJbUC3rug0MtjaEA_5_4">78,917</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Stage 3</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_wOrFQHVipUer1DFHNcMKyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_h7CwAr-gC02aZo-Gx8dq9w_6_2">5,022</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_EpPP_0FibUicaqlxvLpKsg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_OnBDAOX20UOVJXqtm_e94A_6_4">6,358</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: individual</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_lmmVkNqsaEKdhaPIHe8R6w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_lqZ0elRVt0O928_exVApUQ_7_2">1,215</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_bzpqSBKQekuJgo7zwUdSEQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_KDcy9N9ZJUGIJNX7SaTsdw_7_4">2,292</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: collective</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_VybZTOErxEOJs3TYls_aJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_Ae998xfPEEqqR_RLEuV7Gw_8_2">3,807</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_A1HhqFDihUS-NYelyGJvmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_5MUV-T-C00Oqe4tPtaF4GQ_8_4">4,066</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_W5h39sd4vEapndRhpYQWOg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_L2FTLhTdgEakLAkxHLNaxw_9_2">369,827</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_LoansAndAdvancesMember_BUIcDUCCWkOwiTTRfqN68Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="6" id="Tc_ay2VkNKC8E-UEmxcEiCa5w_9_4">372,399</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">ECL provisions (1) </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Stage 1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageOneMember_Oen6BN8fk0yqz05NBsFEKA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_Sa6S6HhblE-DTZd-svQatQ_11_2">302</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageOneMember_9il6eFga50yQucDGGVIZOQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_QK_DEOnPNUCxowK0k08q0Q_11_4">519</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Stage 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_wACf1GD_8kO6iQXbfAV7Gg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_wjTk91Hw_U-W8EjtCTxjCQ_12_2">1,478</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_rXyiqdxs0UOSGLR4zRQ_tg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_m9n3jCiOakiote-qd3Nfjw_12_4">3,081</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Stage 3</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_kol_eOHZXEqJ5R6ofw0UVg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_Fv6hrXF-q0C7li-lMe-Kjg_13_2">2,026</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_1_w260FJsE-gR1U4XhlZXg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_5Iefaq5umEid8B135svy9A_13_4">2,586</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: individual</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_8p_L6yeys0us77H4J22k0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_kOzoFPvt00CSIwCEitabBQ_14_2">363</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_W_cmids2vE6MqnZnldGOrQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_myBNlJLTVkWqcQElXyPHPw_14_4">831</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: collective</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_v6AGG9CvnUWsahRc3VH4_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_adFK0XsH2kmHFtdQKoqxyg_15_2">1,663</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_j_vYjBxHUUWDXnhUSwJGJg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_H1nL0QjlCkyxbakKK8YNOQ_15_4">1,755</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_hgC1BTp0H0qf_4SR5ERbQw_16_2">3,806</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_DKEE9C60PUmpYf72glJIxw_16_4">6,186</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">ECL provision coverage (2,3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Stage 1 (%)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageOneMember_4g0TDI25m06qz066wRxodQ" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_rZxPpX2IDUyIUyd_pb8w5A_18_2">0.09</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageOneMember_z0_s9mXoE0-KVfIeBlUI4w" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_JrwAu79w4061nK98_AMlJg_18_4">0.18</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Stage 2 (%)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_FXce5p00JUKo139_U9cpfg" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_H4zKw9_op0i1EaQi_lK-eA_19_2">4.35</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_2zbVabH6akqzO-w4LfG9bA" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_raw1FIpAK02B6q9eBykRzw_19_4">3.90</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - Stage 3 (%)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_GVblPS4kLki0mn5utCiNng" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_bOD5fWPTDUWDSuu17YzQtQ_20_2">40.34</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_ygeYkHFG20WZTKCMzbIuBQ" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_jKEJIEGUNEOR9deKq7QvLQ_20_4">40.67</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_n1DuFgDjdEOOcHh1uwubfQ_21_2">1.03</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="4" format="ixt:numdotdecimal" name="nwg:ExpectedCreditLossProvisionCoverage" scale="-2" id="Tc_3EF4k_uunUaj4REl853ZAw_21_4">1.66</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Impairment (releases)/losses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">ECL (release)/charge (3,4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" sign="-" scale="6" id="Tc_ERi-Hw90P0iEWzTS_hl9yA_24_2">1,278</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_qgmNh13mWkeoYxTXDottag_24_4">3,131</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Stage 1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageOneMember_4g0TDI25m06qz066wRxodQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" sign="-" scale="6" id="Tc_4vdz888Wa0WBJRVoB0Q7uQ_25_2">1,377</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageOneMember_z0_s9mXoE0-KVfIeBlUI4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" sign="-" scale="6" id="Tc_ILjQWOiNDUumzCxn-BltCQ_25_4">89</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Stage 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_FXce5p00JUKo139_U9cpfg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" sign="-" scale="6" id="Tc__5VhEd6bI0OUHRN95n8fAA_26_2">187</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageTwoMember_2zbVabH6akqzO-w4LfG9bA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_BQ-Ar-Edo0qSxHAjA7CABw_26_4">2,601</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Stage 3</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_GVblPS4kLki0mn5utCiNng" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_SB2ysIn2dEy0KMEszh2Z2Q_27_2">286</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_ygeYkHFG20WZTKCMzbIuBQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_nY9b6GKIcEyMUADPgDQL2Q_27_4">619</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: individual</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_4XiQ_T6vcEmB8TK101ox9Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_ByWd42eFi0uOHwTqq92LzQ_28_2">20</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_hR936aJ5ZUy5Md4N7LiTqg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_BJHUEcIzYU2yYdZNkeNc9w_28_4">194</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: collective</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_ru9gVGBma0y6IjUqzBZMxw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_I9PP2A0DUE2TCMprhKODhA_29_2">266</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_nwg_StagesOfImpairmentAxis_nwg_StageThreeMember_a4G_DX44vUySdmt9B0SsfA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Tc_1IN0YZjWq0CcSUn28Zc_Jw_29_4">425</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amounts written off </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="Tc_rbG2Q65nR06g8CqQ5qV_GQ_31_2">876</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="Tc_75SmVSo1v0-afJP099VfWw_31_4">937</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: individual</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_gGQVuARenkKl5uY7Sb7zAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="Tc_-sCbkw20ukCadg62Zz1krw_32_2">455</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_9gJToZMyfUS5IPyhciKd6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="Tc_xULVVK_fMkSwtdYPLV-sig_32_4">191</ix:nonFraction></i></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="font-style:italic;">Of which: collective</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="color:#42145f;font-style:italic;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_-BuRAR0TyEyCRT4-GGR5Bg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="Tc_rs92-LK1v0K5M44R-mUhDQ_33_2">421</ix:nonFraction></span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><i style="font-style:italic;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ImpairmentOfFinancialAssetsAxis_ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_Wk6MYRr7fUStuVYpjLZoag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="Tc_lHUxo0YkgkyZboK7Sy8HLQ_33_4">746</ix:nonFraction></i></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_Lo_5JUkRtkKlPP-5ZjySzg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Narr_j87na81fOEaboAdTwIYfTg">5</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_8BP_3zekKk-PiwSYDOvxjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Narr_Ti2WdN3R50G5cnYQU_PMGQ">6</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) related to assets classified as FVOCI.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">ECL provisions coverage is calculated as total ECL provisions divided by third party loans &#8211; amortised cost and FVOCI.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes a </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_W2696fTrY0afPFiFmt6ViA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Narr_1e8yceyiYkGEsSbSRevAOA">3</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million charge (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_HbUs4UPtqkae_3rPtJBBuA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Narr_E-7lj87JF0SBG-ZwrVQlxA">12</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million charge) related to other financial assets, of which</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_xsituNqXCEiOT1zR9xVDFQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Narr_Pnzw_UR_wE-ETY3VD1uztw">2</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million release (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_f1Iw_dSp8kC0mK9blh435Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="6" id="Narr_cXD7IUI8jkqg_VJ-Oxi-eg">2</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million charge) related to assets classified as FVOCI; and </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_ContingentLiabilitiesMember_hJSmJP9jHkGLhp1QiOapWA" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="9" id="Narr_0gkTKGVsaUWrydNW3UIlVQ">34</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million release (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfFinancialLiabilitiesAxis_ifrs-full_ContingentLiabilitiesMember_Gu9M-CmP7Uu3HEyHHSzRIw" decimals="-9" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossOnFinancialAssets" scale="9" id="Narr_HSh1Y8WLqUqjVgnTkQIAqA">28</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million charge) related to contingent liabilities.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(5)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The table shows gross loans only and excludes amounts that are outside the scope of the ECL framework. Refer to Financial instruments within the scope of the IFRS 9 ECL framework for further details. Other financial assets within the scope of the IFRS 9 ECL framework were cash and balances at central banks totalling </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CashAtCentralBanksMember_3zTRNHXxcUaf5BD9n1kB6w" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Narr_e6t-wbLN6k2deATZ64m9mw">176.3</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_CashAtCentralBanksMember_-42-1Urt6keqMqceebxVEA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Narr_DsLOXaTtnEilDa1Gzwc4Ow">122.8</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion) and debt securities of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DebtSecuritiesMember_qxJQIsBSNUexi0yPFD4AWw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Narr_GnA9q0xNcUGs0WL3P9Id6Q">44.9</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion (2020 &#8211; </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_DebtSecuritiesMember_CrVuF-Weik2cpKQ6uAs4Sw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssets" scale="9" id="Narr_jQOtuv1Qn0anX-6DRPUDig">53.8</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion).</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">85</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_GaSbqon9k0So4NxcVDifYw_cont2"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">15 Loan impairment provisions continued</span></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:9pt;font-weight:normal;">Credit risk enhancement and mitigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For information on Credit risk enhancement and mitigation held as security, refer to Risk and capital management &#8211; Credit risk enhancement and mitigation section.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:9pt;font-weight:normal;">Critical accounting policy: Loan impairment provisions</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Accounting policies note 11 sets out how the expected loss approach is applied. At 31 December 2021, customer loan impairment provisions amounted to &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_ConsumerLoansMember_Fa_RZvS3jked9BUdO7BlWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Narr_UmHaE9EiP0ef5i6EXvZRow">3,806</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_ifrs-full_ConsumerLoansMember_uX8-TtfcVEOGlBR-vZTTbQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Narr_9O8AyQoj50yeNjGhr7XfxQ">6,186</ix:nonFraction> million). A loan is impaired when there is objective evidence that the cash flows will not occur in the manner expected when the loan was advanced. Such evidence includes, changes in the credit rating of a borrower, the failure to make payments in accordance with the loan agreement, significant reduction in the value of any security, breach of limits or covenants, and observable data about relevant macroeconomic measures.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The impairment loss is the difference between the carrying value of the loan and the present value of estimated future cash flows at the loan&#39;s original effective interest rate.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The measurement of credit impairment under the IFRS expected loss model depends on management&#39;s assessment of any potential deterioration in the creditworthiness of the borrower, its modelling of expected performance and the application of economic forecasts. All three elements require judgments that are potentially significant to the estimate of impairment losses. For further information and sensitivity analysis, refer to Risk and capital management - Measurement uncertainty and ECL sensitivity analysis section.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">IFRS 9 ECL model design principles</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Refer to Credit risk &#8211; IFRS 9 ECL model design principles section for further details.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Approach for multiple economic scenarios (MES)</span></p><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#000000;font-weight:normal;">The base scenario plays a greater part in the calculation of ECL than the approach to MES. Refer to Credit risk - Economic loss drivers - Probability weightings of scenarios section for further details</span><b style="color:#000000;font-weight:bold;">.</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-weight:bold;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">86</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a16Otherfinancialassets_315085"></a><a id="_94288239_4857_49f0_84de_96478a905dc7"></a><a id="Tc_z-RTZD4hPE63xBsuBFVXsQ_1_2"></a><a id="Tc_8XV_0nMcTkegUOFFM7ixHw_2_2"></a><a id="Tc_HRniMbuM90uC1U7qbfK3Tw_2_8"></a><a id="Tc_OV6j6hX350uvxxxmyOqmeA_2_12"></a><a id="Tc_M1hjTSi5AUqbr2pGFiCLgQ_2_14"></a><a id="Tc_3qR5UTCtnEm1VX_vOJdLhw_3_2"></a><a id="Tc_nZrUudvkdkyHhVGcIVuwkQ_3_4"></a><a id="Tc_WijODnQ5K0e0wItK6e3LFQ_3_6"></a><a id="Tc_QJPtkZjHRE-FFPXQ-PhJog_3_8"></a><a id="Tc_YG6_MuagIUeMqOhMK7ec3w_3_10"></a><a id="Tc_BD1Qyw9Is0q5Uu-piXtT0A_3_12"></a><a id="Tc_-wozplV9zEuC1-KVxjsjTg_3_14"></a><a id="Tc_G7mBZKBfT0yzq5HDoW8wnA_3_16"></a><a id="Tc_yJ60qzqKm0iUnt1PAoYJFg_4_0"></a><a id="Tc_SIUkU0fyT0KRa1E0msO_DQ_4_2"></a><a id="Tc_utOQY3sIK0mDf_sOcwUxDg_4_4"></a><a id="Tc_o5PTvKCPqUCOW3IhUio_WQ_4_6"></a><a id="Tc_3zHrPIx3ikSIFEv9Y_XG8g_4_8"></a><a id="Tc_zlmLh6syjUO4eNoY055hZw_4_10"></a><a id="Tc_knD2MxxDsk6KNrcu42NaIQ_4_12"></a><a id="Tc_rEq76EB3QU20jREJGGvM-Q_4_14"></a><a id="Tc_c73xfXBK2U-NfmZBMif70g_4_16"></a><a id="Tc_gfrcce_6SE2Js87J3BOq9w_5_0"></a><a id="Tc_Jmd42Qccvkqtm0zjleufAA_5_2"></a><a id="Tc_2JX5g-XfEUiKQiI2PoRkJQ_5_4"></a><a id="Tc_8KmMVKIZOk-AETWEgS32qw_5_6"></a><a id="Tc_HlM3w_nm20GQ1N9-5Ctm-g_6_0"></a><a id="Tc_z3k9WBGnnE2r65tj7S5FeA_7_0"></a><a id="Tc_fiFKFCUJvkq4cwnRaAw38w_7_12"></a><a id="Tc_xSaB--jQ40OnTaSMbrM7Og_7_14"></a><a id="Tc_uuB10gfXDEW7dNbDoEimtg_8_0"></a><a id="Tc_M1cGpyksgkGALB7EvePSFw_10_0"></a><a id="Tc_vuCE7Uc79kW9c9DL1UbksQ_11_0"></a><a id="Tc_MdxtRpjkHkyaE8c4Hme9Qg_11_2"></a><a id="Tc_-YHTwT3Gvkm0ryd32rqXDQ_11_4"></a><a id="Tc_mZS8zLT8jkapWfEtJPvqeQ_11_6"></a><a id="Tc_tsJ1f9VWI0mfeFq4MVYuDQ_12_0"></a><a id="Tc_slckIdlpA0iuHmb5bSMaig_13_0"></a><a id="Tc_oPQQorB6-U6O-Jnh0PypsQ_13_12"></a><a id="Tc_a9qRuuGgg0mmb3b587qNlA_13_14"></a><a id="Tc_mNv5om1af02xtz4o-c98Ow_14_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfOtherFinancialAssetsTextBlock" id="Tb_PeyK3zmwU0qRQi8c4GpESg" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">16 Other financial assets</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Other financial assets consist of debt securities, equity shares and loans that are not held for trading. 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="9" style="vertical-align:bottom;white-space:nowrap;width:37.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Debt&#160;securities</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:21.93%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Central&#160;and&#160;local&#160;government</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Equity</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">UK</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">US</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">debt</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">shares</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">loans</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:37.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:top;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Mandatory fair value through profit or loss</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_iA2y4IhV8ky5eP_l3S1bdw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_ynJPuRFk8EW9tAShptyVnA_5_8">6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_dyp8gIOCLE2aUVUmjpvcyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_8XzARIPJ1U-kxDE_tMVW2w_5_10">6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_ddfrT7o0VUyaZNwjKFe2KA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_sJoq_LFzE0GSbEUoaYNyYw_5_12">13</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherLoansMember_uV32ih7KAECGzxWmFl8QPg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_CWRSAkD8O02ycaDsxyBUgw_5_14">298</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_dyp8gIOCLE2aUVUmjpvcyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_zjgB4JfiWEm_OhRl8J37Tw_5_16">317</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fair value through other comprehensive income (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_GB_GySenMcKOkO3WfjN7kMXCQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_7IlHWNuXmUW32821RmvizQ_6_2">11,938</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_US_EoS1TRuBtkuB_AnWC-XNzQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_4dmeyM_ODE22SKZCPO_HWw_6_4">10,086</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_QefNw7-lXkOTiwQ3AR9lsw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_vtsHjaZasUO449A8mIfuTQ_6_6">5,604</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_Szbsb1NsxEmBnAyctX897A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_wSJyEjCN7EKPKJLHjKkz6Q_6_8">9,058</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_Lo_5JUkRtkKlPP-5ZjySzg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_i28zEJWsVEyzV5IJ_31Riw_6_10">36,686</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_tScokpeQtkSHmaNguviJ_A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_yQmhssjUy0O4UGp1oMP7Sg_6_12">312</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherLoansMember_0FE0bD1H50OlLSGj6pIqzA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_iHl_5CgPH0yBgNXN2xBO0w_6_14">268</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_Lo_5JUkRtkKlPP-5ZjySzg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc__HWy5u7IQ0mewYVduHOASQ_6_16">37,266</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:37.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_GB_-8_981MaG0SuHhJO6V2Yvg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_5Lq5iRZKqU-gCflEjuw_2Q_7_2">3,821</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_US_7jODU_rjUE-7H9VGJjSp0g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_5XMr9Jjn7ESNVmluVcWxJA_7_4">156</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_Xk2d1oLryU2irH1eB5EhMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_PoEX0kAp106hWfIf_cjkOw_7_6">81</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_ybiCpy1kVEqBAHOWX_LUHQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_X3x1PIYYck-sGBo27myZsw_7_8">4,504</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_j_kdu9QA-0Snu9JF0YPy1Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_kzw750n8U0u4Z6G_0jI8sw_7_10">8,562</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_j_kdu9QA-0Snu9JF0YPy1Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_Igl2qyd3uUe6nhHueYE1yw_7_16">8,562</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_GB_Pq_i_CNfYkagkULZzBXjeA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_6_ke7yu460ufB4l4uOcKqw_8_2">15,759</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_US_-Zdm-osYikWG4WWnXyYWrA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_rEbyQG9v8k-YEslEpXdLzw_8_4">10,242</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_EyQPQKrlDUKU1mVm_I4XDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_U3mppYS04kGaZgK5cenysQ_8_6">5,685</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_mKJue-ovDEWu1sWSiEj_yQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_RKvaXMfh50WrRir35YVzGQ_8_8">13,568</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_0PT-krAsHE2m9vMNxHGPUg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_l2B-8DAaqkGLkcDwadYrLQ_8_10">45,254</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_fKHsx5HFTEGUi0MBpIxBUg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_7zsWRNaui0efwwJRzFzo0g_8_12">325</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_OtherLoansMember_1piVxRjcXEWL6t5Z4ot4dw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_GFx__F99pUylprrsbwBTaA_8_14">566</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_rPyZcCjIQkWgPkg10CzyAg_8_16">46,145</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:top;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:37.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Mandatory fair value through profit or loss</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_sYAr7xAgG0Wu01cIDA0BEA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_lJAZIsoJlU6BUIU_1CV9Vw_11_8">88</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_kSyGs0bjHkeS8f6hAUIFUQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_rSdsaBWLNUiMUFNAmzux4A_11_10">88</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherLoansMember_Fvr71PUP7Ey2rShn7H6K6w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_Qrtw75XGo0yo8uBaHQqVqA_11_14">338</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_kSyGs0bjHkeS8f6hAUIFUQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_xMYNrVnlwkG2oE7GX5BE-g_11_16">440</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fair value through other comprehensive income (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_US_39UOorjDhUuYNmbxeSviLA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_F2LQ6wqCi0OMVWggQojjgg_12_4">11,742</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_7GC2PeXzBE6ZX50K16ehlA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_CLymcwrZTU-2iC0We3MS-g_12_6">6,802</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_Ja2oY5fdUEy6W6hOPfxGWg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_uI7T48jbn02cda7IJhrt5w_12_8">8,591</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_8BP_3zekKk-PiwSYDOvxjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_HlCrBYmIbESrgaU4EOAjXw_12_10">44,593</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_Fo6kNFdDxka8NPOIa67lkw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_m2qm4oHdpkC6pLiqydWeqA_12_12">294</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherLoansMember_tOQQzENbhEqVUUPxPGWJoA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_B8NEA3sGAUSr1VSBULBOkQ_12_14">15</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_8BP_3zekKk-PiwSYDOvxjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_ehUzThjaqEm1jUFG28DRIA_12_16">44,902</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:37.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_GB_xz0XMqdUC02LbzVBei39jw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_3F_6rcsH60OwB3j6fn5zGg_13_2">4,997</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_US_EYSWC4PBgU6JxZ50kdaURw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_WCt3EYBz4ESYLg-hgUOk-g_13_4">235</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_M0OqUaDpgkqdn-PiVJWr8Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_4wzUXDx4LEqEhajV27rq8g_13_6">116</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_3QzwGzsVoUCBIOY-VU-4Og" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_KJTKpMfLMkCV0i-drR-2yw_13_8">4,458</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_DAUpCSZv2Ue7D6B6_DaZdQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_R3ddST0PZkyaxSy3h79bcA_13_10">9,806</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_DAUpCSZv2Ue7D6B6_DaZdQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_CSf6j2qWnkKKsVLOV44QSw_13_16">9,806</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:37.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.42%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_GB_iJKvnwCik0WcLTjdsMqtWg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_fp4E9MgNW0STRe46UCywwg_14_2">22,455</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_country_US_MDyLxbxrrUu6O-hspAd-sg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_mP8Kf56BeUihEw2Wn4fPZw_14_4">11,977</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_CentralAndLocalGovernmentMember_ifrs-full_GeographicalAreasAxis_nwg_CountriesOtherThanUsAndUkMember_-p5EpvzH40qX0vBXCkvjeQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_ZHUeIIVIFk-31UAoW3iamA_14_6">6,918</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_ifrs-full_ClassesOfAssetsAxis_nwg_OtherMember_00abqHbVF0-QYEb7PDBo3A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_cYui81xjt0GVnSLtfFjxSQ_14_8">13,137</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_DebtSecuritiesMember_2WmekrZ7PE2zYNvgGqjfsA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtInstrumentsHeld" scale="6" id="Tc_QQwG_1kIFE-oto_7a7Q4qQ_14_10">54,487</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_-eGbOGNdHUyYTTa36e6E-A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_3sTlOBOfz0Cw8bXV9FHCzQ_14_12">308</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_OtherLoansMember_3URI0rStBUaI2dcQB9GOXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_JejEyd9dD0aLU-UCwS6WRg_14_14">353</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.41%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.34%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialAssets" scale="6" id="Tc_wrVyOCB8b0mIoKQg8VEYMw_14_16">55,148</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Upon initial recognition, the Group occasionally irrevocably designates some of its equity investments as equity instruments at FVOCI when they meet the definition of equity under IAS 32 Financial instruments: presentation, are not held for trading or they are held for strategic purposes. Such classification is determined on an instrument by instrument basis. Gains and losses on these equity instruments are not recycled to the income statement and dividends are recognised in profit or loss except when they represent a recovery of part of the cost of the instrument, in which case such gains are recorded in OCI. Equity instruments at FVOCI are not subject to an impairment assessment.</span></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Equity shares disposed during 2020 included SABB (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CounterpartiesAxis_nwg_SaudiBritishBankMember_nje0JHBvh0aMQHiFG3eyGQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsDisposedOff" scale="6" id="Narr_-Zor2GoX9keOCeNTPU1g3w">383</ix:nonFraction> million), VISA Inc. (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CounterpartiesAxis_nwg_VisaIncMember_7xd79G9X90WI46hfnVG5Xw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsDisposedOff" scale="6" id="Narr_s9RY9LXlHE-bsJJroW0B-Q">186</ix:nonFraction> million), and Vocalink (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CounterpartiesAxis_nwg_VocalinkMember_9Q-TfR9OtkezLVm3bmY6Rw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsDisposedOff" scale="6" id="Narr_Dmjl-S8NEUi2S5NL7cIV7w">16</ix:nonFraction> million).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Dividends on FVOCI equity shares include &#163;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_CounterpartiesAxis_nwg_OtcDerivativeLtdMember_SoqotP89l0Se9fVFtvUY-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromDividends" scale="6" id="Narr_XK5mlWGin06V9griWkFemw">4</ix:nonFraction> million (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_CounterpartiesAxis_nwg_OtcDerivativeLtdMember_QDAB4ROCvki7vmNIB2HOWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromDividends" scale="6" id="Narr_bWT0oga-xUqSplW5ZJAIZA">5</ix:nonFraction> million) in relation to the equity holding in OTC Derivative Limited and &#163;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_CounterpartiesAxis_nwg_VisaIncMember_lJS3XMuTTky8E35FLiGn1g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromDividends" scale="6" id="Narr_9jt-7OUMOki5H_hd6v0HiQ">1</ix:nonFraction> million (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_CounterpartiesAxis_nwg_VisaIncMember_SK6wJdK-iUSRLjNSCOz7VQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromDividends" scale="6" id="Narr_ilo_QLdZ3EuN0GupfvPBFQ">2</ix:nonFraction> million) for VISA Inc. Dividends received in relation to equity shares disposed during the year were <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_CounterpartiesAxis_nwg_SaudiBritishBankMember_EOhd4eNbcEu_c2SnBlL6Sw" decimals="-6" format="ixt-sec:numwordsen" name="ifrs-full:RevenueFromDividends" scale="6" id="Narr_lAwPzXHmfkWG4Rw_XLKrhw">nil</ix:nonFraction> (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfFinancialAssetsAxis_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_ifrs-full_ClassesOfAssetsAxis_ifrs-full_TradingEquitySecuritiesMember_ifrs-full_CounterpartiesAxis_nwg_SaudiBritishBankMember_cCGf748Xv0-8i0fWI5eIaQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RevenueFromDividends" scale="6" id="Narr_KYqEJMS5REKbvIWnK_2TGQ">15</ix:nonFraction> million for NWG&#39;s equity holding in SABB).</p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">87</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a17Intangibleassets_632026"></a><a id="_df2f7460_ecf9_4a40_b0b7_24d979cea64c"></a><a id="Tc_dEracK0gCkygeB4ZcSZ9lA_1_2"></a><a id="Tc_UDoBkHr_7kmtOw__oX5ttw_1_8"></a><a id="Tc_EHC8kpXglE-uPnKN9sXBTw_2_2"></a><a id="Tc_AY1VAduXDEujYLMFBAs2kg_2_4"></a><a id="Tc_mcE7c-sfPEu780Qudu9duA_2_6"></a><a id="Tc_phwmkTf7_0mqzcNya2J_4g_2_8"></a><a id="Tc_1i8AlWARB0CohnItNmUKmw_2_10"></a><a id="Tc_sMScG4PTvkSb4qegvzXhng_2_12"></a><a id="Tc_-89C6wDseUaYBopZiwJZtQ_3_0"></a><a id="Tc_lcwV1HCPH0aLTCQK2GgtSg_3_2"></a><a id="Tc_gU-rFIcCL0OC26fJdm638w_3_4"></a><a id="Tc_Ok-tuIjprUq27DDYIiq7Vg_3_6"></a><a id="Tc_chndMN_VSEeIvvmVjQXP7w_3_8"></a><a id="Tc_FUYrAHCLzUCeKjFkRzq87A_3_10"></a><a id="Tc_xXdvye63iESZEwDePTIPhQ_3_12"></a><a id="Tc_8rQ0Pybj1EKKAvx4vCDU0A_4_0"></a><a id="Tc_pX-xuTXmgEKbu3BNVSJLbw_5_0"></a><a id="Tc_AV7nMvnbrkyqR5ZlRyk6OA_5_2"></a><a id="Tc_SEqMeE9eCUqZu1mL4shrKg_5_8"></a><a id="Tc_lkkgw1jms0GwQGBh9_ysqw_6_0"></a><a id="Tc_zmVOVtvCkkKnQlaRtTBlhw_6_2"></a><a id="Tc_3i7uOIUe5UGuyovPJJjo3A_6_8"></a><a id="Tc_03GJztttJkqdYHjlXJ-qNw_7_0"></a><a id="Tc_6azPp87QVk-KBtVfmVokow_7_2"></a><a id="Tc_lBn_4nL_oEKI8q1WOUxOWQ_8_0"></a><a id="Tc_tl4t-swgFE6uzfbzr4cjsQ_10_0"></a><a id="Tc_lrGqYmDNZ0y5cj2zyfqPpg_11_0"></a><a id="Tc_885EvajkIkG-kTNuZSQziw_12_0"></a><a id="Tc_YsPcqt6jnkyDnIh3_MS0sA_12_2"></a><a id="Tc_mfIyeBFeeEuqItYL_S-HVA_12_8"></a><a id="Tc_LObygl5nrUeF6_seg8xUIw_13_0"></a><a id="Tc_XK8irGJtPkipGR2pPsvTUg_13_2"></a><a id="Tc_3u7RE5XMRUKic7UJo6aA0g_14_0"></a><a id="Tc_pWLlY7s73kKs3J6Qge3FWg_14_8"></a><a id="Tc_4zBKMh7otEWg-VFzJobaIQ_15_0"></a><a id="Tc_9jaTR97YP0mzWmPZnf6spg_15_2"></a><a id="Tc_Rx42t2wiLEK-ByoqRC3bug_15_8"></a><a id="Tc_zj8aayhlc02qpaGFuzSoUA_16_0"></a><a id="Tc_uVdkWNE0KUOXPk8bLm6M-g_18_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfIntangibleAssetsExplanatory" id="Tb_Xpzrj4BhkkeFC_w9Ag7GOg" continuedAt="Tb_Xpzrj4BhkkeFC_w9Ag7GOg_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">17 Intangible assets</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">Intangible assets, such as internally generated software and goodwill generated on business combinations are not physical in nature. This note presents the cost of the assets, which is the amount NatWest Group initially paid or incurred, additions and disposals during the year, and any amortisation or impairment. Amortisation is a charge that reflects the usage of the asset and impairment is a reduction in value arising from specific events identified during the year.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#f2f2f2;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">For accounting policy information see Accounting policies notes 5 and 6.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory" id="Tb_Mnyj9xxLa0eBLnTEr8OKkA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Goodwill</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other&#160;(1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Goodwill</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Other&#160;(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Cost</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_GoodwillMember_105BFsX8yUOwrFg2qIoAAw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_FC-C1Ebz2UCTxRUnSKuCAg_4_2">9,939</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_0pJh33x2LUCaAbkxIF0NCQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_726UP4KcEUSlf47A7SdR9w_4_4">2,592</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_HCucBdtYz0O3BoV2sYRb4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_W1wIdRPFWUmOc-CV4TvSyw_4_6">12,531</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_GoodwillMember_hW-xVLr3y0esdBDCH5kQxQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_XHJLYOARvEScQ0yTSCOX2w_4_8">9,980</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_ijHQnx2nPkqM6XRq5Cdfig" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_3bFOkR7_qUKlE7gspjci9A_4_10">2,293</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_Nr6P7KM-pk2_lCIf1DiCDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_2YHmsFiXdUmhRApW2zALKQ_4_12">12,273</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Currency translation and other adjustments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_hl29enups0C3WE51QXgRWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_cpU7FfHDNku3hh9yj9V5hg_8_4">3,050</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_GrossCarryingAmountMember_vs4PCvizZkSkaYKqs4dUDg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_Xlb0eaxPBEOXPQmDJ9Pxhg_8_6">12,989</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_GoodwillMember_kXuEKvNPzk2erkyUVF9Riw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_A0A2OmoY1Uib6GYNwF4mFg_11_2">4,332</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_mGVVpkgb3UWDvLBpwVxICw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_gQn43usgHU6SZZrIXEo_5g_11_6">5,876</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_GoodwillMember_pkiFAc4nV0KyjLXUkRyDBA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_ObrN-QOaaEyOwLy6_mcLbg_11_8">4,373</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_otxvyunL20WD_PzuH4mi7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_JJWGIFSezU6ef4Nm-jepdA_14_12">9</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amortisation charge for the year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_SUOUnzAoxUORlYOixYptLg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="Tc_JuQwppf6Vk67R2BnfN36Yw_15_4">300</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_YIJeD-nhwEqD3dT5ub6mjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="Tc_UvkQ4xv4sE6Xd4zvlgsafg_15_6">300</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_xJOc5iLG-U-buynQldYZew" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="Tc_P7nsm7xIwkuFxfzShDUrZQ_15_10">282</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_otxvyunL20WD_PzuH4mi7w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="Tc_ckt5LxbNEUC9XJJig4UbSA_15_12">282</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_GoodwillMember_Jv_I5v3xtE-2c1OkKCzWZg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_xAjqQX-vKkWSD9jFHKtYFw_16_2">4,417</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_fvuA9Z1bwEqsXPO-E6VOcw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_Zb57Y85X0E2XeQDPEnkk6Q_16_4">1,849</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_-ZytFOXqvEWAmv6lkxPj0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_FkmdrBUGvUuUl_vIezs4qw_16_6">6,266</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_GoodwillMember_kXuEKvNPzk2erkyUVF9Riw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_P-hAwAy1qkKyqBB38mp05w_16_8">4,332</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_sHSqSqIlfUOoJoLR9qWB0A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_IAlFNwYhJ0mTj1WwYc7FgA_16_10">1,544</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_mGVVpkgb3UWDvLBpwVxICw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" sign="-" scale="6" id="Tc_7wS9QOsvVUmiFXXcNtGNOg_16_12">5,876</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:41.26%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net book value at 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_GoodwillMember_VMWzSGZo8kiWD1iuQGbsew" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_PLugnMES6k649tXy6MIw6Q_18_2">5,522</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_xtbSvA_U80-_yydlD0StWw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_Fxb4t71iAEi2R8q8BCZOVg_18_4">1,201</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_se9EB0P_9kmpe9Jgo0dCmg_18_6">6,723</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid 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style="vertical-align:bottom;white-space:nowrap;width:8.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_ifrs-full_MethodsOfGenerationAxis_ifrs-full_InternallyGeneratedMember_UCDbdxLYEEet8MM-qvaA4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_K7T9AcvxF06Yp7JPancdyQ_18_10">1,048</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.25%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="Tc_IoEWuJtGOEmqp3tyg0NNMg_18_12">6,655</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Principally internally generated software.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Intangible assets and goodwill are reviewed for indicators of impairment. In 2021 &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_ifrs-full_ComputerSoftwareMember_ifrs-full_SegmentsAxis_nwg_RbsPlcMember_iF6Bz2MrokC_mZP7nhAjWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="Narr_UXo1Klh-B02Y-5kp_safOA">85</ix:nonFraction> million of goodwill was impaired due to a reduction in the recoverable value.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s goodwill acquired in business combinations analysed by reportable segment is in Note 4 Segmental analysis. It is reviewed annually at 31 December for impairment. 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The carrying values of the segments reflect the equity allocations made by management, which are consistent with NatWest Group&#8217;s capital targets. Recoverable amount is the higher of fair value less costs of disposal and value in use. Fair value is the price that would be received to sell an asset in an orderly transaction between market participants. Value in use is the present value of expected future cash flows from the CGU. The recoverable amounts for all CGUs at 31 December 2021 were based on value in use, using management&#39;s latest five-year revenue and cost forecasts. These are discounted cash flow projections over five years. The forecast is then extrapolated in perpetuity using a long-term growth rate to compute a terminal value, which comprises the majority of the value in use. The long-term growth rates have been based on expected growth of the CGUs. The pre-tax risk discount rates are based on those observed to be applied to businesses regarded as peers of the CGUs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:12pt;">Critical accounting policy: Goodwill</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Critical estimates</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Impairment testing involves a number of judgments. The key judgments are the five-year cash flow forecast, the long-term growth rate used to derive the terminal value, and the discount rate. Future value in use is primarily affected by changes in profitability and changes in discount rate. Adverse changes could lead to value in use falling below carrying value. The most likely cause for this would be a failure to meet budgets, including cost targets, or external downgrades in the UK economy.</p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">88</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_3a2c417a_62d9_456b_b008_3c1c2885749d"></a><a id="Tc_S9fSrgBa90Wi9W5gC3WOZw_1_12"></a><a id="Tc_PHmcJEcAEEq4j8toctQeWA_1_16"></a><a id="Tc_vgv-hSi8_UG7N30v6Dd7Zw_2_4"></a><a id="Tc_pRg7wjCXik-dAD3Qvtyjjw_2_10"></a><a id="Tc_qdHMVYhwqkKsecZ6lBDcow_2_12"></a><a id="Tc_KgyX9acdZkS5oanTzwn9Zg_2_16"></a><a id="Tc_1gvJvjk7HEKd8U36DsKzDw_3_4"></a><a id="Tc_Gapxf11hXUG02fowHxgZog_3_6"></a><a id="Tc_dufxMcOZs0KKXilLf-J-NQ_3_8"></a><a id="Tc_ikXnRETgukuZCxsF6Km2Bg_3_10"></a><a id="Tc_ruUg90MER0eyGubWWIn1vw_3_12"></a><a id="Tc_ulUsbP4O4Ee3FUKOAr_lkw_3_14"></a><a id="Tc_px5bZaQuQUaUjEIhfRDxBg_3_16"></a><a id="Tc_8MvsSTqDM0adma1IFJBACQ_3_18"></a><a id="Tc_8Faa4fxBXECf6VW9PfMZRQ_4_2"></a><a id="Tc_DHTDo_bxQU6dFAdbG6CShQ_4_4"></a><a id="Tc_Ux0nXO999UuMJUA6Jj5XJQ_4_6"></a><a id="Tc_LbkEApnl0UaGom7AzEJ3FQ_4_8"></a><a id="Tc_BTagPq-6cU-JQ6sm1j8ohg_4_10"></a><a id="Tc_C28RpbQi40G1AAkE2nZefg_4_12"></a><a id="Tc_yWxMffpF_kOC4q4ORTHgMg_4_14"></a><a id="Tc_6_Z1sAhlHk6ZVPqg68AsSw_4_16"></a><a id="Tc_ujfsIP0_yE6lasmwS5nxOw_4_18"></a><a id="Tc_fPhuVB2DvEa68D3Ny-G80A_5_0"></a><a id="Tc_Hm5ahh3UN0-mhGLizu0hZA_5_2"></a><a id="Tc__mfB28ERP0abCl-LVodZWw_5_4"></a><a id="Tc_FiU9AVoIUUuCUUOPumwLSw_5_6"></a><a id="Tc_I4pRwdxlME6JzapBzU5Mdw_5_8"></a><a id="Tc_yXHB3EeJVU6wqBmXVIV-qw_5_10"></a><a id="Tc_L9tdq5wr0UiEP_fE1aUjOQ_5_12"></a><a id="Tc_0kKDrdPzG0uC0fXZMEPb6w_5_14"></a><a id="Tc_eQPS_jswJkKuUsH9HSmDbQ_5_16"></a><a id="Tc_5g_cBnQUwUusYVmm-yX3hQ_5_18"></a><a id="Tc_b5IVa9JLqEagxzT1DcUaaQ_6_0"></a><a id="Tc_Pa_dhpfpHkiM4KMuajK7sg_7_0"></a><a id="Tc_GndxulLUF0ewMJfos8uQ5g_8_0"></a><a id="Tc_b4tDAelpGkOyKoUor4ohjw_10_0"></a><a id="Tc_6lfoluSE2kCsldY3eOVf5w_11_0"></a><a id="Tc_wjh65xHvMkC4Bxhwid5XFA_12_0"></a><a id="Tc_8TXQRlE6MUqNrF63NNx83A_13_0"></a><a id="Tc_xq2J_Bul3Eur3eshoYFn1Q_1_2"></a><a id="Tc_yJ8AJyazsUCIZWhyzwjwsQ_1_10"></a><a id="Tc_STo7RAQPuEqlQ86LI-iD5w_2_2"></a><a id="Tc_OTFAZJQBKEuqLytr08pzwA_2_4"></a><a id="Tc_TFx1cSqfbEmHfleD-MG6sQ_2_6"></a><a id="Tc_OEe8NhVrn0G9xFFrj47Asw_2_8"></a><a id="Tc_DkLB0cWqNESiV3u5HdKcSg_2_10"></a><a id="Tc_D_sN8wkvFkW_qBVuolJytg_2_12"></a><a id="Tc_87gsbesMmUGlrnhCbX1wgA_2_14"></a><a id="Tc_wAZ501Xmg0KiM7gKhw8VOQ_2_16"></a><a id="Tc_09Gu0kDkb0-3lhc8qVpkaw_3_2"></a><a id="Tc_qGk_hb2LmkS9u1AxajyC4g_3_4"></a><a id="Tc_c02mn9foyU-xYn_GdMog1g_3_6"></a><a id="Tc_8p-R2s7MjkGDEA15_O6aRA_3_8"></a><a id="Tc_Uus1aenuok2qef6gE_ArXQ_3_10"></a><a id="Tc_BYBnTZ8Yx0ezuj_RUyBCSg_3_12"></a><a id="Tc_0mgO3o91w02BeYO-ap3Icg_3_14"></a><a id="Tc_3bFf-h8UFESzaDNeQ-VeHA_3_16"></a><a id="Tc_W8Bm_SWy_k6i_7FXkBYOMw_4_0"></a><a id="Tc_5gvXG3oWUU6gTQQDY8ZsPQ_4_2"></a><a id="Tc_KR2mst95bUaE-vyuq8te2A_4_4"></a><a id="Tc_oVc6Q-3VVk6iQG1v2cymig_4_6"></a><a id="Tc_wr8qtDk6CkSrnplJU__nhA_4_8"></a><a id="Tc_A0S9W0RpVUuqxJ1v6TY5kQ_4_10"></a><a id="Tc_feUQl2OvM0yKwXdKJnh28A_4_12"></a><a id="Tc_0F22iRp6g0OHPfkH8Scgfw_4_14"></a><a id="Tc_Z_snGVUetEy8zEwHWkPp7w_4_16"></a><a id="Tc_yM5w_E9z3kutOVMsWzTUSA_5_0"></a><a id="Tc_w1excGZiTUmbfQoQHWFoBQ_6_0"></a><a id="Tc_9gW7Wlvld0q5CLUS-fwB4g_7_0"></a><ix:continuation id="Tb_Xpzrj4BhkkeFC_w9Ag7GOg_cont1"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">17 Intangible assets continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The impact of reasonably possible changes to the more significant variables in the value in use calculations is presented below. 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It is possible that more than one change may occur at the same time.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory" id="Tb_brcpCL34HkmVnC2Ug-RpEA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:-0.20833588%;padding-left:0pt;padding-right:0pt;width:100.41%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:27.11%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p 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style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.71%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:27.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:14.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Consequential&#160;impact&#160;of&#160;1%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:14.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Consequential</b><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;</b><b style="color:#42145f;font-weight:bold;">impact&#160;of&#160;5%</b></p></td></tr><tr><td style="vertical-align:bottom;width:27.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:23.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Assumptions</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Recoverable</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:14.76%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">adverse&#160;movement</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:14.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">adverse&#160;movement</b></p></td></tr><tr><td style="vertical-align:bottom;width:27.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Terminal</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Pre-tax</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Cost:</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">amount&#160;exceeded</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Discount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.71%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Terminal</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Forecast </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Forecast </b></p></td></tr><tr><td style="vertical-align:bottom;width:27.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Goodwill</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">growth&#160;rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">discount&#160;rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">income ratio (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">carrying&#160;value</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.71%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">growth&#160;rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Income</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">cost</b></p></td></tr><tr><td style="vertical-align:bottom;width:27.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">31 December 2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.71%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td></tr><tr><td style="vertical-align:bottom;width:27.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Retail Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_kmyjxY59wUyJx0lNuRx1Jw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:Goodwill" scale="9" id="Tc_FIr03rvVfEWLTU2GbTHkqQ_6_2">2.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_kmyjxY59wUyJx0lNuRx1Jw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="Tc_VAdkN3IsV0SQ8D2AG_3Yow_6_4">1.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_kmyjxY59wUyJx0lNuRx1Jw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="Tc_7REpjhWBg0eOjVUHr_3ZeA_6_6">13.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_eADh4MOLUk2yO7KWZGGPXA" decimals="3" format="ixt:numdotdecimal" name="nwg:CostIncomeRatio" scale="-2" id="Tc_4i7mMOjgyUe-Q4E_EmZRaA_6_8">51.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_kmyjxY59wUyJx0lNuRx1Jw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount" scale="9" id="Tc_3YRRMnWIBUuqo2F1nslu3Q_6_10">6.8</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_srt_StatementScenarioAxis_nwg_OnePercentAdverseMovementInDiscountRateMember_PmQWp40B6UCnyBrSz70klg" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_2Nz7Vkj9U0CItsf3A2p9xA_6_12">1.8</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.71%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_srt_StatementScenarioAxis_nwg_OnePercentAdverseMovementInTerminalGrowthRateMember_PXFeUWhVpEirsIU5bL5NIw" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_SFv1ycia1kGFj1Fm3NNbHA_6_14">0.8</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_srt_StatementScenarioAxis_nwg_FivePercentAdverseMovementInForecastIncomeMember_E-Swi2gpa0qEySFSSuAUcg" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_f85JTRuVF0eNplN0712mng_6_16">2.1</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RetailBankingMember_srt_StatementScenarioAxis_nwg_FivePercentAdverseMovementInForecastCostMember_VrTDKWEx0kGJj2WVVu8lug" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_iA_bk5XCgkahvFm5uHXegQ_6_18">1.0</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:27.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Commercial 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_OJv05mdRyEaWi0F-so3SWw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="Tc_bfqLz_rjKEqvrEUgASUSYA_7_4">1.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_OJv05mdRyEaWi0F-so3SWw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="Tc_u3bQsMz6ck25VO9MtV9gJg_7_6">13.9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_EP0SImg8xEy9dmCURmWSTw" decimals="3" format="ixt:numdotdecimal" name="nwg:CostIncomeRatio" scale="-2" id="Tc_Ss57HHk3d0SRTixYbMAsKw_7_8">52.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.76%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_OJv05mdRyEaWi0F-so3SWw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount" scale="9" id="Tc_ASsixs2gs0-wPO42ogdiRQ_7_10">6.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_srt_StatementScenarioAxis_nwg_OnePercentAdverseMovementInDiscountRateMember__-lIymXxTEmLx4g5vx8gEA" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_c6B5iYblREKdcpmo6H6PJg_7_12">1.9</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.71%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_srt_StatementScenarioAxis_nwg_OnePercentAdverseMovementInTerminalGrowthRateMember_RassqjDVT0afkX56LczXpw" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc__gFT6TqL906ZOBy-o8p9Lw_7_14">0.8</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_srt_StatementScenarioAxis_nwg_FivePercentAdverseMovementInForecastIncomeMember_ohxjYdReNkGM7O503htZiw" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_Z3_baVPpqEq7WTWLUZWn9w_7_16">2.0</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_CommercialBankingMember_srt_StatementScenarioAxis_nwg_FivePercentAdverseMovementInForecastCostMember_aMMpjxeYDUyr_w9X-4DnYw" decimals="-8" format="ixt:numdotdecimal" name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_YUS6wDPD4kGtVRRscCXALg_7_18">1.0</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:27.11%;border-bottom:1px solid 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id="Tc_UTLjBkqOC0CKjUWutwmfwg_8_4">1.6</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_Irx5lK1Ta0e4yGx9Gx5uow" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="Tc_PkML2gmt_kuUaBjVzCeXRg_8_6">12.1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_cndDfCtCi0yuMkLlhd2D9w" decimals="3" format="ixt:numdotdecimal" name="nwg:CostIncomeRatio" scale="-2" 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name="nwg:DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" scale="9" id="Tc_GsOrtOlTxUeWeNeQ_B3UpQ_8_12">0.6</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.71%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">-year forecast period</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table gives the percentage change in key assumptions that would reduce the headroom of CGUs to nil.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfInformationAboutImpactOnCommercialBankingViuOfReasonablyPossibleChangesToKeyAssumptionsTableTextBlock" id="Tb_V_UbpX0PJEatWVaUFslw-A" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:36.78%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.16%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.78%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:36.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.16%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:30.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:30.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:36.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Terminal</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Pre-tax</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Forecast</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Forecast</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Terminal</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Pre-tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Forecast</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Forecast</p></td></tr><tr><td style="vertical-align:bottom;width:36.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">growth&#160;rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">discount&#160;rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">income</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">cost</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">growth&#160;rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.78%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">discount&#160;rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">cost</p></td></tr><tr><td style="vertical-align:bottom;width:36.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Change in key assumptions to reduce headroom to nil (%)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.16%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid 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#000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_nwg_VarianceAxis_nwg_ChangeToReduceHeadroomToNilMember_Q-JmGPERQEWzViXfpT1nYw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="Tc_jtiCH7gdwUiYYK9LZNLjAA_7_4">10.3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_nwg_VarianceAxis_nwg_ChangeToReduceHeadroomToNilMember_TLAZXZyTv0qT42n4c1c-_w" decimals="3" format="ixt:numdotdecimal" name="nwg:ForecastIncomeRate" sign="-" scale="-2" id="Tc_aJJQBl0nkkaTPBr27P_dDQ_7_6">30.3</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_nwg_VarianceAxis_nwg_ChangeToReduceHeadroomToNilMember_TLAZXZyTv0qT42n4c1c-_w" decimals="1" format="ixt:numdotdecimal" name="nwg:ForecastCostRate" scale="0" id="Tc_q0uTNF_-aECjoOYb4sX-3A_7_8">87.2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_SegmentsAxis_nwg_RbsInternationalMember_nwg_VarianceAxis_nwg_ChangeToReduceHeadroomToNilMember_fg6UjXOcmEu7IUjlmInp2g" decimals="3" format="ixt:numdotdecimal" name="nwg:ForecastIncomeRate" sign="-" scale="-2" id="Tc_fzViEqlrXUWeQPBoj5xpag_7_14">18.6</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">Other assets are not financial assets and reflect a grouping of assets that are not large enough to present separately on the balance sheet.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:ScheduleOfOtherAssetsDisclosureTableTextBlock" id="Tb_-ZCHzqhrX0qns3Ml_1_dFA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interests in associates (1) </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" scale="6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Property, plant and equipment (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="Tc_DXVPU6vJbkiNwEHnyFZDCA_4_2">4,230</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="Tc_tLaSxulhs0mXq7ZspqNtKw_4_4">4,418</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Pension schemes in net surplus (Note 5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="Tc_HYD4mzcoaE-dBNUhpolzlw_5_2">602</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="Tc_K10nxiYN9EeMUm0Vg5BXYg_5_4">723</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Prepayments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Prepayments" scale="6" id="Tc_dRFpWp42a0S1NZmzKkTEsw_6_2">360</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Prepayments" scale="6" id="Tc_nLF5XkuzwkaVuqiaWjMDiw_6_4">328</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Accrued income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccruedIncomeOtherThanContractAssets" scale="6" id="Tc_B_nhlf-UrECe5-9DG36BCA_7_2">248</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccruedIncomeOtherThanContractAssets" scale="6" id="Tc_rL0SZlzwyEy3NVIoxUFTmQ_7_4">216</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tax recoverable</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReceivablesFromTaxesOtherThanIncomeTax" scale="6" id="Tc_vb4xtj6N4kyYzvT8AJwArA_8_2">190</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_8QT9z53f9Ui2vEyqJN7yFA_9_2">1,195</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxAssets" scale="6" id="Tc_Bb2WZ3llFUGUI_r-iNHXgA_9_4">901</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Acceptances </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BankAcceptanceAssets" scale="6" id="Tc_LWor1vcHYUSD1a1F3F3Luw_10_2">225</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BankAcceptanceAssets" scale="6" id="Tc_2R8W6aIXEUe1eW3m1wfw_g_10_4">272</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherAssetsOther" scale="6" id="Tc_fnwYQyn_V0qAo_Lo8Te6Ug_11_2">476</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherAssetsOther" scale="6" id="Tc_KbNUFSxfkESAF8WRo2kKsw_11_4">391</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherAssets" scale="6" id="Tc_B197GB9DK0ubOtYGXlxc5w_12_2">8,242</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherAssets" scale="6" id="Tc_z9bQ6C2GiUW9S5l4wWwBLQ_12_4">7,890</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes interest in Business Growth Fund </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_SignificantInvestmentsInAssociatesAxis_nwg_BusinessGrowthFundAssociateMember_76k9vhTtHUW1rKQbLjc3Tw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" scale="6" id="Narr_EaeQd_sV5UyGaHSg7xabXQ">700</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_SignificantInvestmentsInAssociatesAxis_nwg_BusinessGrowthFundAssociateMember_Qf3KZ44BS06N5q8oUDnr4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" scale="6" id="Narr_t59xlaKQCkyuOWHFLQkMGA">442</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The estimated useful lives of NatWest Group&#39;s property, plant and equipment are: freehold buildings and long leasehold </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_CHJgG7bJ9kuvE-0ZLQah9w" format="ixt-sec:durwordsen" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" id="Narr_x_cxxnnq7UCPlRlhhHZpJg"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">50 years</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">, short leaseholds for unexpired period of lease, property adaptation costs </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_ifrs-full_RangeAxis_ifrs-full_BottomOfRangeMember_g7ufoPXOl0-TAzLNMQoK1A" format="ixt-sec:duryear" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" id="Narr_PI6_l2y410y3I8ney0WaXQ"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">10</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> to </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_LeaseholdImprovementsMember_ifrs-full_RangeAxis_ifrs-full_TopOfRangeMember_bM3v0XIeuEyWruC4yIEVwg" format="ixt-sec:durwordsen" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" id="Narr_je-n3I5GhUK9_0IoAaLM6Q"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">15 years</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">, computer equipment up to </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_ComputerEquipmentMember_7m30CfQ_y06vvIVG249owg" format="ixt-sec:durwordsen" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" id="Narr_m8ticul2P0Oj_Q3S_v_MZA"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">5 years</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> and other equipment </span><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_OtherPropertyPlantAndEquipmentMember_ifrs-full_RangeAxis_ifrs-full_BottomOfRangeMember_a7VzUnKh1kmvr1dAfACRug" format="ixt-sec:duryear" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" id="Narr_HMZtIhv2OEmAN1p0-vF-6A"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">4</span></ix:nonNumeric><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> to </span><ix:nonNumeric 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits - designated as at fair value through profit or loss</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_CustomerAccountMember_x-u0mL24jk298-vStl5nUw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_zAZrQnizsES0WRUYbs-lRQ_3_2">568</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_CustomerAccountMember_L5fBZth-b0iZ5YBMy0YOQg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_c7qTgmTnl0uL0hrluNuYqQ_3_4">796</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Debt securities in issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - designated as at fair value through profit or loss</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_49_e5IS9pE6jEdRRKpCd-Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_v0woEaAYjU-XJMNPG_C24g_5_2">1,103</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_PAMrVRuGyEqVXio0miqYIQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_F-8d8vfRT02sJvVEMvSISw_5_4">1,607</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_kQt368hP40WN8paRmAIciw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_rGYE6Lp8FES-JFGj7YKw8w_6_2">47,655</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_ifrs-full_ClassesOfFinancialLiabilitiesAxis_nwg_DebtSecuritiesInIssueMember_w-fTfVvgTk608CloGoLsUg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" id="Tc_zFuwCk5TkkSqSy-g6hqo-Q_6_4">43,408</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherFinancialLiabilities" scale="6" 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">89</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:74.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">treatment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member_hx3cX1yeF0KvqsoEks6tCg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_JdzvY2PI_kuOxDAnKJnnxg">1,000</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member_hx3cX1yeF0KvqsoEks6tCg" decimals="5" 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style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member_pccepwxQFUWWgltCPIGmcQ" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member_GpI-hAar8UKjzpSgkOZ6iA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_ifNorjPtG0CoJdVC3cn2Ng_5_6">634</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member_s6BJYGJkh02VO-SaJa_xCg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_CrZ-MCmWIUCBuO33GtNVKA">1000</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member_s6BJYGJkh02VO-SaJa_xCg" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_A5yA0JSOCEK2N3rTZRczJA">2.105</ix:nonFraction>% dated notes 2031 (callable between August 2026 to November 2026)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member_oOhZNxYR_Ue9WS_s6iNlww" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_qV17CyDoiUOXsBvPwwHUgw_6_4">996</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member_chN3dGpOXkGy8x5S6Rhllg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_M7o46HIBzUWztoEKVbFBfw">750</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member_chN3dGpOXkGy8x5S6Rhllg" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_-mP-ImDI6kGz73O3vQLtzA">1.043</ix:nonFraction>% dated notes 2032 (callable between June 2027 to September 2027)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member_u2k-XM-6xE-KbpMyiNT0QQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_cPrzinV9UE6gEy421Q4Q7A_7_4">638</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcMember_5SUm-tq_yUSnCM5KkkVx4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_vta3ibdmG0iRpMtukQ2qYg_8_4">1,634</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcMember_IO_J3qvue0S-saQrrsbHnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_DXNFqwrDSEeQZJcAUaLr1Q_8_6">1,630</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:66.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Redemptions</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="color:#42145f;font-style:italic;">NatWest Group plc</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember_rwmiwYH-O0uYPGI8Z-gxjg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_qIQ-Y2pAtke6Eczsh2v0Rw">2,250</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember_rwmiwYH-O0uYPGI8Z-gxjg" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_b9w_0-NUJUmnW8_1oSzu1g">6.13</ix:nonFraction>% dated notes 2022 (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember_Rwmg_LFUtE2qYzd1ujxrug" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_MaJHxT5_I02_mk_mHoa8bA_12_4">226</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember_y6eCBs17Fk-hrWiIvoGaSA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_L5WPBPKTvUy1JNM70fQYbA_12_6">499</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember_WK2j_AggQESs7PaWeaTXQw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_YOpfl0Kn3kSFRNTs3x8Vtg">1,000</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember_WK2j_AggQESs7PaWeaTXQw" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_oPwih9HXNEiUMGPG-rqrLA">6.10</ix:nonFraction>% dated notes 2023 (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember_7XFvA3WtA0ShBoMRidjsIQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_IZFV7yto5kmq2vqosjLOiw_13_4">57</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember_sxK86x3Us0anyV5xvpoetA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_AwKBFxhxok-h_S5F3AMQNA_13_6">358</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member_XqRBho2f8EmSFvoX73MoTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_Ck7qgZXKSU-AIhvHXBLeeA">2,000</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member_XqRBho2f8EmSFvoX73MoTw" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_hOH6Kq6RhUiBkE4-708rxQ">7.5</ix:nonFraction>% dated notes 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member_hxVnwCdgVUSJZOuWtShs6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_3iJHskqppEW_KLUMavCwkg_14_6">1,528</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember_xA8LiB091UWAZ4gqz0oeJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_1JJgeTu3ZEOE-FM2z1eXZA">762</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember_xA8LiB091UWAZ4gqz0oeJw" decimals="6" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_nVr5qBG7u0SW1O6-4Om4Xg">7.648</ix:nonFraction>% undated notes (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ineligible</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember_G59xmZf4y0qV9ACgQHNQhw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_jo4QWAqOLk-wp3FWRLCZQw_15_4">45</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember_z6iTidsItE2YpjGAp6j75A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_dMe3QhBhQ0658fH1Lc4hLw_15_6">497</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember_V7EcIMqRW0qu3JIWrdZWYA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_lpk7S1ulcE2faN9ckmfyLw">106</ix:nonFraction> million floating rate undated notes (callable on any interest payment date)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ineligible</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember_ExtzsjYgYkWaPn6LTzCKfg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc__JTAReW-IE-Y_WeSXScErw_16_4">77</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member_D54ZBZ14fEOFbikk_s6a_w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_Ls8NzJBMXUiszb8MLkkSPw">2,650</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member_D54ZBZ14fEOFbikk_s6a_w" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_5_gnMEMqd0qslgAsxsr1SQ">8.625</ix:nonFraction>% dated notes 2021 (callable August 2021) (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member_OvinPGYlXk6d3GdXGnT5dA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_TFf2CbthNkKUiG9sQV-xEQ_17_4">1,914</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member_Cw7LsszXG06YXKI2gEe0Bw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_Z1WxAt1ziUiKcI6J6dzung">2,250</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member_Cw7LsszXG06YXKI2gEe0Bw" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_LP6W2EVLaUekCKXFi8V7bg">5.125</ix:nonFraction>% dated notes 2024 (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member_znAeAPdAIkOnOaQDoG9Cug" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_0DqWpoLEEkyzZUIKVyt4Cg_18_4">729</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member_MTUnCcG190eTtVWM-I-OeQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_4bo1VyPvBEGnyJoijQG5-A">2,000</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member_MTUnCcG190eTtVWM-I-OeQ" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr__tMrfbuP5k-DZ_qnEcrkxA">6</ix:nonFraction>% dated notes 2023 (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member_dTv6laSAc0yWPL_pmT-s0g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_ZPH5hhvJ8U-ZCY3K5IHwvw_19_4">436</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcMember_5SUm-tq_yUSnCM5KkkVx4w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_kIAV-eeoekqzeE4mtgVDnQ_20_4">3,484</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcMember_IO_J3qvue0S-saQrrsbHnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_wMqpDJnPBkWXdbLwpSfGjg_20_6">2,882</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="color:#42145f;font-style:italic;">NatWest Markets Plc</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member_IK0NxWyAS06lMxPLnxWbbA" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_11flSY4pekOWQLgJFWrWjw">125.6</ix:nonFraction> million floating rate notes 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member_R0ee7Dwr10u5vHyKNBxAYw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_QDviTVvJtE-EQcbPJD5E6Q_23_6">97</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member_ItHjNw2Tv0-Ejgbo8yLsyQ" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_IDlZyT3sfkeR54rYG1kMpg">145.6</ix:nonFraction> million floating rate dated notes 2023 (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member_jdaSh_rdWEeacbPwzit-kQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_zety2hZFdU6iWvsJKwKVnA_24_4">20</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc31Million3.0883NotesMember_1GLdhdPMmk6FdP1nqU7dHQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_wshcXTinKEabA26WR0xbyA">31</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc31Million3.0883NotesMember_1GLdhdPMmk6FdP1nqU7dHQ" decimals="6" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_HjwgDte3r0yaYilohvYJOg">7.38</ix:nonFraction>% notes (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc31Million3.0883NotesMember_BZt5o6CqIEq8QqXzeslvKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_rM_Ea5kvsE-igA9SU_2bDA_25_4">29</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc19Million5.63NotesMember_aG8tbR56C0mlvlyALiXvVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_P-c4HQmZbkqIbxBUic8-sg">19</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc19Million5.63NotesMember_aG8tbR56C0mlvlyALiXvVQ" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_P8j2mudnkUe4bB5QMnmS9Q">5.63</ix:nonFraction>% notes (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlc19Million5.63NotesMember_FElyZ97sh0KPouPkNX1-SQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_aXLpo-1noUWS_LeL-IFBpA_26_4">20</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlcMember_BfyhuKuXK0mrFberKZU6-g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_3Tt4Z7dgaEOeTPawuyCMmA_27_4">69</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NatwestMarketsPlcMember_xHBTYF3emECpzjEHHNZ06g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_Eg2JZ8qj_Eetyai-txXbrw_27_6">97</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="color:#42145f;font-style:italic;">National Westminister Bank Plc</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member_vWpmr1DOR0eHoVmyZq3WVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_QA-KdMb_E0GgF1vZh-rG-A">300</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member_vWpmr1DOR0eHoVmyZq3WVw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_2es3BKUomEawbixot9sHHw">6.5</ix:nonFraction>% subordinated notes 2021 (not callable)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember_eugt6eHQu0mzLLIA3O7e6g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_LhPgzN6G2U-XJa45cUte6g_30_4">300</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember_MFQndBp0bUmYuBG3hUIibg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_3y01nxweaEWcO6NJc3679g">10</ix:nonFraction> million floating rate notes (callable quarterly)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Upper Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember_3Iru53Gc6k6krur67YhhBQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_SHBS1BYtCkKP4INF0hc_nw_31_4">9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember_gi3yH9WMn0ySgI9120Ehtw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_H3I3zgD2hUSoNw_HKObOSg">178</ix:nonFraction> million floating rate notes (callable quarterly)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Upper Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember_jgqhhGzNV02PQUT1gh3IVg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_UmqSh5p6tkqJRAEYFrhIYA_32_4">152</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember_uPwywOziQ06Vh_am2ssyyQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_5xBgmzjB-kWUnlZaY-Ww-g">193</ix:nonFraction> million floating rate notes (callable semi-annually)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Upper Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember_ztYajamXdUagU1xAeMRh-g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_Ze-hKQdnMUqIJbVck-jWtA_33_4">138</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember_pyljsBKPqEOGw7vPNus-Ow" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_ZcJw-QzdcEmvyji2IBvdkQ">229</ix:nonFraction> million floating rate notes (callable semi-annually)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Upper Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember_WYR-2dgqrEaCnxZRogz54A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_vr0C8BRrIESghnm3HtozVw_34_4">167</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember_14_-n7RFVkmetojllTDQ1w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_sSN4H10ChkWgb-KJ_oH9hA">285</ix:nonFraction> million floating rate notes (callable semi-annually)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Upper Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member_AFQ2CMTs70ipWc_axvbjTw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_Huj8AFYB4UuRJ8hsTbXMGg_35_4">201</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember_TQeXKlL3EE2EweWsGkO3Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_TxF8UXMCvkiQeh25idQ-cA">35</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember_TQeXKlL3EE2EweWsGkO3Cw" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_VYoKCYDt4EGJkSbg1z2QTQ">11.5</ix:nonFraction>% notes (callable December 2022) (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Upper Tier 2</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember_IsAvYO6p-0ybU4pb5b2dhw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_EiwfRb3MW0mjhsxEPbqQ1A_36_4">3</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member_0CdYskwEMk6s6mgfKZsqjA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_rWolQetYN0yI8ZNSVcKGWw">140</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member_0CdYskwEMk6s6mgfKZsqjA" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_TySOF1y_lEOX3KpZOjsRkg">9</ix:nonFraction>% cumulative preference shares of &#163;1 (not callable)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Tier 1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member_6khNGirov0yFtxwBBmJfQw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_qv4QRNSjjUu-dpNBEktvLg_37_4">24</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NationalWestMinisterBankPlcMember_hX4ZYBOmBESxZmp77wS3yg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_1m6nD4vbvkWGxeBL6c7s_A_38_4">994</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><i style="color:#42145f;font-style:italic;">NWM N.V. and subsidiaries</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember_WFQRZq8gvEGA_cPZqwSumQ" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_eyI3RHaFZ0W360n79HZQbw">650</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember_WFQRZq8gvEGA_cPZqwSumQ" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_NvoIl47aEkSNOvjNMbo_zA">6.425</ix:nonFraction>% dated notes 2043 (partial redemption)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ineligible</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember_r6vQfHO8JkKKoaUSFR-gRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_jpL5W-zR8kS-eht9rpUTPQ_41_4">73</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember_sUn_4j1GJEqWEbj2g8FKkA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_8wE2tM_Z70-PXRXIvtxltw_41_6">187</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member__LnVNc65W0m2byD8erX_IA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_yKSZ-buDMUORuFYYKjL6aA">15</ix:nonFraction> million <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member_pRFIwq1S0k6k3eJmcHirSg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_BvWGoAB8SECJH0Pmb-vmvQ_42_6">11</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:66.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.54%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:1.53%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NwmNvAndSubsidiariesMember_6d7yZHO5GEGKiJjOatO29Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_OgLVNcE67UyBqTArtrFrlg_43_4">73</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_NwmNvAndSubsidiariesMember_7nf-tppLKkO1NkAzqnwnpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_hJjCr4qEQUqSM7UKLoEJQg_43_6">198</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:18pt;text-indent:-18pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">In July 2021, paid in equity reclassified to liabilities as the result of a call in August 2021 of US$</span><span style="font-size:6pt;"><ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="Duration_8_1_2021_To_8_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_NatwestGroupPlcMember_T6Ia8osiu0igBr_xHZAW6Q" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="9" id="Narr_0AFJ-73S_EajnF9ZlhwWUg">2.65</ix:nonFraction> </span><span style="font-size:6pt;">billion AT1 capital notes which were subsequently redeemed in August 2021.</span></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:18pt;text-indent:-18pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:18pt;text-indent:-18pt;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">90</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a21Otherliabilities_12772"></a><a id="_3c0caf60_3eef_47a9_9ec5_7470463b0576"></a><a id="Tc_8P_ztAxV70KAzWv6_NNEGQ_1_2"></a><a id="Tc_XakDp0ouvEay3skG26fQAw_1_4"></a><a id="Tc_iuvE7dNdNkayOEL-7rONYQ_2_0"></a><a id="Tc_6CMZEz-a80qknvYea0R9_g_2_2"></a><a id="Tc_fM3YICyyx0m5gibF9vxiQA_2_4"></a><a id="Tc_1EgT5jPOv0uQYfMhb2REfg_3_0"></a><a id="Tc_yqp-ZJ0MqkmgkDaL9QQemw_4_0"></a><a id="Tc_GSuVgLJFfU-6cu4QAM_qRw_5_0"></a><a id="Tc_OR-Ayp6JJEmCw3dCCss_tA_6_0"></a><a id="Tc_hhQAyygFV02O-mboH-z08A_7_0"></a><a id="Tc_mpn4j8ATCk-om9GczJe4VA_8_0"></a><a id="Tc_e230gTZVmEKAziLh7jGqXA_9_0"></a><a id="Tc_vHi88x6VlECWhBUqUHw9iQ_10_0"></a><a id="Tc_ILuSpxEcxU26Skq4ZQPVBw_11_0"></a><a id="_2ef21adb_e11a_4017_8e22_249c83b1b1dd"></a><a id="Tc_mTC3imF-40uTz1-6eb5fpw_1_4"></a><a id="Tc_UchJG9pS7Uuusjx00p8Zzg_1_8"></a><a id="Tc_HnzuCZ9rM061Kl3AFNLueA_2_2"></a><a id="Tc_paRjONij4EKpoUjgZZ49ow_2_4"></a><a id="Tc_x1AlaaJTPkmAvHUHdOSMow_2_8"></a><a id="Tc_hx8bBawHLkO0g9VUU-GSwA_3_2"></a><a id="Tc_ju11D7rYMkiS0CZc8Gwaog_3_4"></a><a id="Tc_8XTl-uqcZ0yEnahixYjeJQ_3_6"></a><a id="Tc_QfP3aSxxr0-Hq1pYiuEfsg_3_8"></a><a id="Tc_T4bGYwZJnkOQXKa4mxSivQ_3_10"></a><a id="Tc_UxX97wKZsE-tQWm6HeYQGw_3_12"></a><a id="Tc_coiOFom4IE-lbhHEsXr73A_4_0"></a><a id="Tc_05-rggQk1kW7poxddeBV1g_4_2"></a><a id="Tc_gmYBFcV1PECtlWCRXePz5Q_4_4"></a><a id="Tc_z4vDeOfmmkWJ0iNByMMrwQ_4_6"></a><a id="Tc_s6ojk6SkTkClt-xwYlcPOg_4_8"></a><a id="Tc_DA7I-yxBTkitH5ejdtreVg_4_10"></a><a id="Tc_bOweKRitn0KZDhCQf8Q6Rw_4_12"></a><a id="Tc_NWBqXHTcDEam8v5PCaH5Eg_5_0"></a><a id="Tc_wmLmYbzMmEaTJgcvvDtlQw_6_0"></a><a id="Tc__RbQCVpH2EyhYjNzFxCQ_g_6_2"></a><a id="Tc_XdEyKGaIQEWU7Th5rWC7VQ_6_4"></a><a id="Tc_ewlnV8NQrkKdE9XYgoRvTQ_6_6"></a><a id="Tc_mWX2D6ym8UeYy6Vv-fMMtA_6_10"></a><a id="Tc_4F_w64s89EWIS0LX-COFqg_7_0"></a><a id="Tc_uPqU8-rmpEOuQ3H_I5l2Aw_8_0"></a><a id="Tc_Lb1H6oQm50OEVdB7uxlmFg_8_8"></a><a id="Tc_tQschrqkkEGAVB47Z3zzBA_9_0"></a><a id="Tc_vbhAGror0EKmt3ecOyc_zg_9_8"></a><a id="Tc_D7Dr1tvtfU2I8VhW8x052g_10_0"></a><a id="Tc_WV9N6Gpe7kS7J1PxD7zIMQ_10_8"></a><a id="Tc_zX9NdR0bCkeymsJbZNjZ9A_11_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfOtherLiabilitiesExplanatory" id="Tb_8Mk71Glve0uc91cLe_xWig" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">21 Other liabilities</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities are amounts due to third parties that are not financial liabilities including lease liabilities, amounts due for goods and services that have been received but not invoiced, tax due to HMRC, and retirement benefit liabilities. 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Other liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Lease liabilities (Note 23)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LeaseLiabilities" scale="6" id="Tc_2hXW0iCJvE2oXyx08GkmUQ_3_2">1,263</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LeaseLiabilities" scale="6" id="Tc_8FYHSyygRkW6Ys8jmuma0w_3_4">1,698</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Provisions for liabilities and charges</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherProvisions" scale="6" id="Tc_eGBHpMBhEUS68TavhVkKsw_4_2">1,268</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherProvisions" scale="6" id="Tc__Nps6Luvcka1HKBULt6gJQ_4_4">1,852</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Retirement benefit liabilities (Note 5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan" scale="6" id="Tc_JbOUrxtwS0i72d6SRcoj5w_5_2">114</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> 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style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccrualsClassifiedAsCurrent" scale="6" id="Tc_bceapb7D9EeMKv1rDon7gg_6_2">1,508</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AccrualsClassifiedAsCurrent" scale="6" id="Tc_fsJLmo8okEqmAkMdRxxVTA_6_4">990</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredIncomeOtherThanContractLiabilities" scale="6" id="Tc_RMR1I6N9X0iymPtBouqXIA_7_2">319</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredIncomeOtherThanContractLiabilities" scale="6" id="Tc_-rzt1tdm202m1o_04NdCiQ_7_4">361</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Current tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="Tc_Sy74mPRjVU2CYMbj60MNvA_8_2">12</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="Tc_ZKAZ-OuBfUSJfBr_DpBQCQ_8_4">63</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deferred tax (Note 7)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="Tc_5EefS88CRUuaF4GP_62wsQ_9_2">359</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DeferredTaxLiabilities" scale="6" id="Tc_8eZnjwS0ykeAVFwVljAytg_9_4">291</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Acceptances</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BankAcceptanceLiabilities" scale="6" id="Tc_JqUzmjCa8kSgkugKaGcvBA_10_2">225</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BankAcceptanceLiabilities" scale="6" id="Tc_nmTNeXx_2k6UIrnAQZG-qQ_10_4">272</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherLiabilitiesOther" scale="6" id="Tc_dR24ZLws_EKCvWybb4JDXA_11_2">729</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherLiabilitiesOther" scale="6" id="Tc_ex-ltJuGUEu5fpKoSOtM2w_11_4">740</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.9%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherLiabilities" scale="6" id="Tc_eUGrf6MUN06fvIWiXKXpcw_12_2">5,797</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.22%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherLiabilities" scale="6" id="Tc_yNXJC7sI4EWkR8XZ_dI4HA_12_4">6,388</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Other liabilities include liabilities of disposal groups of </span><span style="font-size:6pt;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:DisposalGroupLiabilities" scale="6" id="Narr_q9JL-O6RekWBrFYBmYKWjg">5</ix:nonFraction></span><span style="font-size:6pt;"> million (2020: </span><span style="font-size:6pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt-sec:numwordsen" name="nwg:DisposalGroupLiabilities" scale="6" id="Narr_dayqDtEtpk2X-8TrRn6zDQ">nil</ix:nonFraction></span><span style="font-size:6pt;">). See Note 8 for further information.</span></p></td></tr></table></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:ScheduleOfProvisionsTableTextBlock" id="Tb_ej5n1u2L5E2fnqhckLuKQQ" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Litigation and</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Financial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Customer</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">commitments</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">redress (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">regulatory (4)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Property (3)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">and guarantees</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other (2)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Provisions for liabilities and charges</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January 2021 </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherProvisions" scale="6" id="Tc_7lJRFhdlS0iYKQbF6fMFFQ_5_6">271</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfProvisionsAxis_nwg_FinancialCommitmentsAndGuaranteesMember_5iIBjGcwREWgkXlhCTtReA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherProvisions" scale="6" 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style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherProvisions" scale="6" id="Tc_8zd6JGLZn0WlC4Yv9On-pg_5_12">1,852</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Expected credit loss impairment release</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_FinancialCommitmentsAndGuaranteesMember_FY21WAhDTUWjnzGIF0CJTg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReversalAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_FXZYJ13rn0CHhS70qCBWIw_6_8">83</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReversalAllowanceAccountForCreditLossesOfFinancialAssets" scale="6" id="Tc_laYY2rUXOku4FAfTV7-6fQ_6_12">83</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Currency translation and other movements</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_CustomerRedressMember_Zs1LfN4ZGkyC9n3RkbCN3Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="Tc_5P7nzM1e0U-8Kt1JBw795w_7_2">5</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_ifrs-full_LegalProceedingsProvisionMember_Cizyulol2E-wD1uWl5KuLQ" decimals="-6" format="ixt:zerodash" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="Tc_fh64NB7kRk-KfkPuYM88ig_7_4">&#8212;</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_PropertyMember_EIrA-UkGsESkTaNh1bNYmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" sign="-" scale="6" id="Tc_qC4ED-5S2kWK4KaPpJHsJg_7_6">2</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_FinancialCommitmentsAndGuaranteesMember_FY21WAhDTUWjnzGIF0CJTg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="Tc_57ua8H2XekWUUrVhyqmLsg_7_8">2</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_MiscellaneousOtherProvisionMember_MV1bqQPtbU2OebOmHPoE0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="Tc_bmkMJBFJ80y_g_MwsiOM7Q_7_10">7</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="Tc_mxtFkG_dYkeupZ5lRW8sRA_7_12">12</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Charge to income statements</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_CustomerRedressMember_Zs1LfN4ZGkyC9n3RkbCN3Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Tc_W94LzRDWaEWVqxo3jnw4FA_8_2">173</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_ifrs-full_LegalProceedingsProvisionMember_Cizyulol2E-wD1uWl5KuLQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Tc_SUInde9stEWXqgNCsM8tnA_8_4">307</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_PropertyMember_EIrA-UkGsESkTaNh1bNYmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Tc_HF9q4bf4TkmvFiMaH-D_nw_8_6">113</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_MiscellaneousOtherProvisionMember_MV1bqQPtbU2OebOmHPoE0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Tc_KIX_sSbmEUyWDnAwrc-QBA_8_10">196</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Tc_7j3Ne6gDFki1YpoKHSi99w_8_12">789</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Release to income statement</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_CustomerRedressMember_Zs1LfN4ZGkyC9n3RkbCN3Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="Tc_BdkAn7plfEeMbW65P6KeJg_9_2">25</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_ifrs-full_LegalProceedingsProvisionMember_Cizyulol2E-wD1uWl5KuLQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="Tc__ENTuTcSq0iE7XMRduXKOQ_9_4">86</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_PropertyMember_EIrA-UkGsESkTaNh1bNYmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="Tc_hBNuEvO_6ESToBLSLMIwZg_9_6">118</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_MiscellaneousOtherProvisionMember_MV1bqQPtbU2OebOmHPoE0Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="Tc_cR7epg7AtkSzx7wk79g7nw_9_10">82</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.91%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="Tc_Q_iaL2sUuEyJ3WKP1jhs3g_9_12">311</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:41.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Provisions utilised</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.57%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_CustomerRedressMember_Zs1LfN4ZGkyC9n3RkbCN3Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="Tc_mxW61RSQZEm6r35xA-IWfA_10_2">418</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_PropertyMember_EIrA-UkGsESkTaNh1bNYmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="Tc_bU4LoobWgESY-0gmxUKH5Q_10_6">37</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p 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Financial Conduct Authority (FCA) complaint deadline of 29 August 2019. All pre-deadline complaints have been processed which removes complaint volume estimation uncertainty from the provision estimate. NatWest Group continues to conclude remaining bank-identified closure work and conclude cases with the Financial Ombudsmen Service.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Other materially comprises provisions relating to restructuring costs.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Property provision materially includes dilapidation provisions. Release in property provision includes the effect of purchase of freeholds for properties where the group was the primary leaseholder.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Majority of charge in the year and utilisation of litigation provisions relates to FCA investigation into money laundering.</span></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Provisions are liabilities of uncertain timing or amount and are recognised when there is a present obligation as a result of a past event, the outflow of economic benefit is probable and the outflow can be estimated reliably. Any difference between the final outcome and the amounts provided will affect the reported results in the period when the matter is resolved.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">For accounting policy information see Accounting policies note 8.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Critical accounting policy: Provisions for liabilities</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 7pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">The key judgment is involved in determining whether a present obligation exists. There is often a high degree of uncertainty and judgment is based on the specific facts and circumstances relating to individual events in determining whether there is a present obligation. Judgment is also involved in estimation of the probability, timing and amount of any outflows. Where NatWest Group can look to another party such as an insurer to pay some or all of the expenditure required to settle a provision, any reimbursement is recognised when, and only when, it is virtually certain that it will be received.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;">Estimates</span><b style="color:#42145f;font-weight:bold;"> </b><b style="font-weight:bold;">-</b> Provisions are liabilities of uncertain timing or amount and are recognised when there is a present obligation as a result of a past event, the outflow of economic benefit is probable and the outflow can be estimated reliably. Any difference between the final outcome and the amounts provided will affect the reported results in the period when the matter is resolved.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Customer redress: Provisions reflect the estimated cost of redress attributable to claims where it is determined that a present obligation exists.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Litigation and other regulatory: NatWest Group is engaged in various legal proceedings, both in the UK and in overseas jurisdictions, including the US. For further information in relation to legal proceedings and discussion of the associated uncertainties, refer to Note 27.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Property: This includes provision for contractual costs such as rates associated with vacant properties.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">Other provisions: These materially comprise provisions for onerous contracts and restructuring costs. Onerous contract provisions comprise an estimate of the costs involved in fulfilling the terms and conditions of contracts net of any expected benefits to be received. This includes provision for contractual costs such as rates associated with vacant properties. Redundancy and restructuring provisions comprise the estimated cost of restructuring, including redundancy costs where an obligation exists.</span></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Background information for all material provisions is given in Note 27.</p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">91</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a22Sharecapitalandotherequity_107080"></a><a id="_880ec7e9_b32e_47b2_b835_f5afb8238773"></a><a id="Tc_tzzAbHkdVEuN6rE8l8AeEA_1_6"></a><a id="Tc_tyhNpWYPyUaGvIiQ8j4p7Q_2_2"></a><a id="Tc_tWcPs3gWR0iEML4PESxwIw_2_4"></a><a id="Tc_2WtDhP8wY0uE0qW1BL_uCg_2_6"></a><a id="Tc_BT4M7Xx8ME6cozQOtkJ0Hw_2_8"></a><a id="Tc_fdDma66-GUq3uY9wTYmOJQ_3_0"></a><a id="Tc_-Ez-1KN7Mkqj8YfmtGLIHQ_3_2"></a><a id="Tc_tCGifxXJXUSej0Eznp8tsA_3_4"></a><a id="Tc_z8b5I2waYEu7PuFH-49AYQ_3_6"></a><a id="Tc_OUUxkuBhXUuGpPwNtr2j9g_3_8"></a><a id="Tc_xm0qgcp8X0eMrjnuALsv_A_4_0"></a><a id="Tc_nBXTHdJxTkyuUQLdGAk18w_5_0"></a><a id="Tc_Hk2EYpLuL0efdehbhYhLMA_6_0"></a><a id="Tc_tj0go6LWdUCtIrevd2AZ_w_6_2"></a><a id="Tc_f6SvX_EnkEi9LzVyvz_SbA_6_4"></a><a id="_47a80ee2_7a22_4ac8_a962_c3e9ef6e327b"></a><a id="Tc_wD4Dk55dNUC9hntbw1EIfQ_1_4"></a><a id="Tc_gNLkfC8cQUivvCmFHFWZPQ_2_0"></a><a id="Tc_VLhAVYhloEq3D64-HYKr2Q_2_2"></a><a id="Tc_GcCd3M3mrU26jQJUOXkkNw_2_4"></a><a id="Tc_Z76DWgXhMEix_o2s554PBA_3_0"></a><a id="Tc_feS2P-FguEC6xWBBOsVOkw_4_0"></a><a id="Tc_Xb7o5ADKY025ke5Tm4Vc7w_5_0"></a><a id="Tc_C4xMWgezsk6qTgAQ6lSagA_6_0"></a><a id="Tc_ySGPb03XRE6yDMb5rv_v4g_7_0"></a><a id="Tc_a2RBTRYs-UmZR2dM9mRfxQ_8_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory" id="Tb_iUDy_r3N_kWSwhrGMqJzEQ" continuedAt="Tb_iUDy_r3N_kWSwhrGMqJzEQ_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">22 Share capital and other equity</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:8.5pt;background:#f2f2f2;margin:0pt;">Share capital consists of ordinary shares and preference shares and is measured as the number of shares allotted and fully paid multiplied by the nominal value of a share. 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:20.78%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Number&#160;of&#160;shares</b></p></td></tr><tr><td style="vertical-align:bottom;width:62.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:62.07%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Allotted,&#160;called&#160;up&#160;and&#160;fully&#160;paid</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">000s</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">000s</p></td></tr><tr><td style="vertical-align:bottom;width:62.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shares of &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_UcgLB7ZRQ0ipnUw5q6GVcQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_rGzy_XHdPkyF4PZTIrykHQ_4_4">12,129</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:NumberOfSharesIssued" scale="3" id="Tc_K2KZNA7P80ODzLnjzfEKuw_4_6">11,467,982</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares1Member_sRBs9M10rEWc9E4xWzUqGQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_-5win0yD_EGQ9NzhOYahDQ_5_2">1</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares1Member_Ky18EBX5bUS_9YSjyumdHg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_GU6QIFtLVESAhdq5qeSWRg_5_4">1</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b 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style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_NonCumulativePreferenceShares01Member_y19ptOmilkWVGDszYV0SyA" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:NumberOfSharesIssued" scale="3" id="Tc_66wL4IbN2UKcEc9lGKZjFQ_6_6">10</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_nwg_NonCumulativePreferenceShares01Member_1HrgnR9k10KkrF9Qgwjh9g" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:NumberOfSharesIssued" scale="3" id="Tc_Wmu9iWlo8Um2m39J2zC8Ag_6_8">10</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p><table 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:74.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Number&#160;of</b></p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Movement&#160;in&#160;allotted,&#160;called&#160;up&#160;and&#160;fully&#160;paid&#160;ordinary&#160;shares</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">shares&#160;000s</b></p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_44kEW7Es5ki9MZoyDpWZ4Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_qzlhltJ9N0uaXAjqXCFRkg_3_2">12,094</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2019_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_44kEW7Es5ki9MZoyDpWZ4Q" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:NumberOfSharesOutstanding" scale="3" id="Tc_O0qKRNVC90SR3ZGk-dNQeQ_3_4">12,093,909</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Shares issued</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_QaIHlUcRKUmb_spvV9brHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_lAuulXpdoUaUkX_CQ25YEg_4_2">35</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_QaIHlUcRKUmb_spvV9brHA" decimals="-3" format="ixt:numdotdecimal" name="nwg:SharesIssuedDuringPeriod" scale="3" id="Tc_We1CEsuLv0CKSZ7QkDq5ng_4_4">35,256</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 1 January 2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_UcgLB7ZRQ0ipnUw5q6GVcQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_AShFNP6uHE-LoxOcbzLvAw_5_2">12,129</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_UcgLB7ZRQ0ipnUw5q6GVcQ" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:NumberOfSharesOutstanding" scale="3" id="Tc_yxzu554JNU-AHMZcr33wpQ_5_4">12,129,165</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Shares issued</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" scale="6" id="Tc_bLfVzGibEUSdlCAeye2X3g_6_2">38</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" decimals="-3" format="ixt:numdotdecimal" name="nwg:SharesIssuedDuringPeriod" sign="-" scale="3" id="Tc_MVcVCk7OI0WiaqsoKM8__Q_6_4">37,584</ix:nonFraction></b></p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Shares redeemed</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="Tc__9UD5LLjBU6XgD8mniikbw_7_2">699</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" decimals="-3" format="ixt:numdotdecimal" name="nwg:SharesRedeemedDuringPeriod" scale="3" id="Tc_B0hZGgUSekyx9C_C2fM1Ig_7_4">698,767</ix:nonFraction>)</b></p></td></tr><tr><td style="vertical-align:bottom;width:74.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 31 December 2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_u3FR2HvvgEiWBbQkGEVNIg_8_2">11,468</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:NumberOfSharesOutstanding" scale="3" id="Tc_rI0wy5tal0yx3zPDRGeAhg_8_4">11,467,982</ix:nonFraction></b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';">Ordinary shares</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">There is <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="-6" format="ixt-sec:numwordsen" name="nwg:AuthorizedShareCapitalAmount" scale="6" id="Narr_mk06mcSeZU2AkhB6CC0JDA">no</ix:nonFraction> authorised share capital under the company&#8217;s constitution. At 31 December 2021, the directors had authority granted at the 2021 Annual General Meeting to issue up to &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="0" format="ixt:numdotdecimal" name="nwg:AuthorizedShareCapitalAmountGranted" scale="0" id="Narr_r3FWIbAnH0iz1r-dH0r7rA">608,328,288</ix:nonFraction> nominal of ordinary shares other than by pre-emption to existing shareholders. This figure was reduced to &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="0" format="ixt:numdotdecimal" name="nwg:AuthorizedShareCapitalAmountGrantedAfterBuybackEffect" scale="0" id="Narr_7uJmTNnYkU6x4pkQXpgbZA">578,791,771</ix:nonFraction> to reflect the reduction in issued share capital resulting from the off-market buyback announced on 19 March 2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">On 6 February 2019 the company held a General Meeting and shareholders approved a special resolution to give the company authority to make off-market purchases of its ordinary shares from HM Treasury (or its nominee) at such times as the directors may determine is appropriate. Full details of the proposal are set out in the Circular and Notice of General Meeting. This authority was renewed at the Annual General Meeting in 2021 and shareholders will be asked to renew the authority at the Annual General Meeting in 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">The company utilised the authority it obtained at the 2020 AGM to make an off-market purchase of <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_3_19_2021_To_3_19_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_me8-73csN0iNlSJYo8dkaQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:NumberOfOwnSharesPurchased" scale="0" id="Narr_vB4OZChgGEmF5TeCbLyhyA">590,730,325</ix:nonFraction> ordinary shares (nominal value &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_19_2021_To_3_19_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_me8-73csN0iNlSJYo8dkaQ" decimals="0" format="ixt:numdotdecimal" name="nwg:NominalValueOfOwnSharesPurchased" scale="0" id="Narr_YljKAPT0kEq-nmC3o8hG3g">590,730,325</ix:nonFraction>) in the company from HMT on 19 March 2021, at a price of <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_3_19_2021_To_3_19_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_me8-73csN0iNlSJYo8dkaQ" decimals="4" format="ixt:numdotdecimal" name="nwg:IfrsTreasuryStockAcquiredAverageCostPerShare" scale="-2" id="Narr_5l8vzR06W0ycSQ6A6avcCw">190.50</ix:nonFraction>p per ordinary share for the total consideration of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_19_2021_To_3_19_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_me8-73csN0iNlSJYo8dkaQ" decimals="0" format="ixt:numdotdecimal" name="nwg:ConsiderationPaidForRepurchaseOfOwnShares" scale="0" id="Narr_QgSKk5jWy0m9oZJUvsEy4g">1,125,341,269</ix:nonFraction>, representing <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_3_19_2021_To_3_19_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_me8-73csN0iNlSJYo8dkaQ" decimals="4" format="ixt:numdotdecimal" name="nwg:PercentageOfIssuedSharesRepurchased" scale="-2" id="Narr_ximxKrfZcUWSSnUexm3DrA">4.86</ix:nonFraction>% of the company&#39;s issued ordinary share capital. The company cancelled <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_3_19_2021_To_3_19_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_me8-73csN0iNlSJYo8dkaQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:NumberOfOwnSharesCancelled" scale="0" id="Narr_yu9f6y5h_UmJWKOlCucA0Q">390,730,325</ix:nonFraction> of the purchased ordinary shares and held the remaining <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_3_19_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_r5uj9VLec0aeO5cplnW97w" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates" scale="0" id="Narr_cRxyH1uCLkq7ACyzSoBcsg">200,000,000</ix:nonFraction> ordinary shares in treasury. The company has used a total of <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_3_19_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_9mawTcF9PUeHHmxfB2k3Tg" decimals="INF" format="ixt:numdotdecimal" name="nwg:TreasurySharesReIssuedForOptionsExercise" scale="0" id="Narr_zvSdg1DogUe7BDfLZvpFXQ">19,062,290</ix:nonFraction> treasury shares to satisfy the exercise of options and the vesting of share awards under the employee share plans.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">At the Annual General Meeting in 2021 shareholders authorised the company to make market purchases of up to <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_4_30_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_5YQKA5Yty0yqiVTCQF9yKQ" decimals="INF" format="ixt:numdotdecimal" name="nwg:IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased" scale="0" id="Narr_u3y1-KVXIkCJq7VOk94NCg">1,216,656,575</ix:nonFraction> ordinary shares in the company. The directors utilised the authority obtained at the 2021 AGM to conduct a share buyback programme (the Programme) of up to &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_7_30_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_swN2HDYwOEWEXJdGzoMU5g" decimals="-6" format="ixt:numdotdecimal" name="nwg:IfrsStockRepurchaseProgramAuthorizedAmount" scale="6" id="Narr_biu3g5izikuwZiP6glWPZg">750</ix:nonFraction> million, as announced to the market on 30 July 2021. The Programme&#8217;s purpose is to reduce the ordinary share capital of NatWest Group. Taking into account the reduction in issued ordinary share capital which occurred as a result of the off-market buyback announced on 19 March 2021, the maximum number of ordinary shares that could be purchased by the company under the Programme was <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_7_30_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_swN2HDYwOEWEXJdGzoMU5g" decimals="INF" format="ixt:numdotdecimal" name="nwg:IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased" scale="0" id="Narr_v71s_RLqsUSrJ78Zs_qZ8A">1,157,583,542</ix:nonFraction>. The Programme commenced on 2 August 2021 and, as at 31 December 2021, <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_8_2_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_lKhKo4pvv0mByJICN9ExfA" decimals="INF" format="ixt:numdotdecimal" name="nwg:NumberOfOwnSharesPurchased" scale="0" id="Narr_h1dLWQD_AUKCpwa82aqYpA">310,802,416</ix:nonFraction> ordinary shares (nominal value &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_8_2_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_lKhKo4pvv0mByJICN9ExfA" decimals="0" format="ixt:numdotdecimal" name="nwg:NominalValueOfOwnSharesPurchased" scale="0" id="Narr_OhRqw182nU2qyp1iqRheow">310,802,416</ix:nonFraction>) had been purchased by the company at an average purchase price of <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_8_2_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_lKhKo4pvv0mByJICN9ExfA" decimals="6" format="ixt:numdotdecimal" name="nwg:IfrsTreasuryStockAcquiredAverageCostPerShare" scale="-2" id="Narr_SZ1BsGVE0Ee6y69bO6US0g">217.5796</ix:nonFraction>p per ordinary share for the total consideration of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_8_2_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_lKhKo4pvv0mByJICN9ExfA" decimals="0" format="ixt:numdotdecimal" name="nwg:ConsiderationPaidForRepurchaseOfOwnShares" scale="0" id="Narr_9s4xBLE5OUGPHkoOGzot-Q">676,242,656</ix:nonFraction>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">A further <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2022_To_1_18_2022_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_OrdinaryShareBuybackProgramMember_5HaxuNRyM0ywjpuY9CyRZA" decimals="INF" format="ixt:numdotdecimal" name="nwg:NumberOfOwnSharesPurchased" scale="0" id="Narr_qLDVHC7a8EGyUxQ-Tr9Wrw">29,735,044</ix:nonFraction> ordinary shares (nominal value &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2022_To_1_18_2022_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_OrdinaryShareBuybackProgramMember_5HaxuNRyM0ywjpuY9CyRZA" decimals="0" format="ixt:numdotdecimal" name="nwg:NominalValueOfOwnSharesPurchased" scale="0" id="Narr_hiw_IKmAJ0SiaM5srz4jsw">29,735,044</ix:nonFraction>) were purchased by the company from 1 January to 18 January 2022 at an average purchase price of <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2022_To_1_18_2022_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_OrdinaryShareBuybackProgramMember_5HaxuNRyM0ywjpuY9CyRZA" decimals="6" format="ixt:numdotdecimal" name="nwg:IfrsTreasuryStockAcquiredAverageCostPerShare" scale="-2" id="Narr_P-zgBYWLCUSJwzS7kdj5Fw">245.5264</ix:nonFraction>p per ordinary share for the total consideration of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2022_To_1_18_2022_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_OrdinaryShareBuybackProgramMember_5HaxuNRyM0ywjpuY9CyRZA" decimals="0" format="ixt:numdotdecimal" name="nwg:ConsiderationPaidForRepurchaseOfOwnShares" scale="0" id="Narr_3SUcYxx3lEyGuB-1lQ-gbw">73,007,375</ix:nonFraction>. All of the purchased ordinary shares were cancelled, representing <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2022_To_1_18_2022_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_OrdinaryShareBuybackProgramMember_5HaxuNRyM0ywjpuY9CyRZA" decimals="4" format="ixt:numdotdecimal" name="nwg:PercentageOfIssuedSharesRepurchased" scale="-2" id="Narr_NupB5HOyQkeNPjqMoJHs6A">2.93</ix:nonFraction>% of the company&#39;s issued ordinary share capital. Shareholders will be asked to renew the authorisation at the Annual General Meeting in 2022. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">In 2021, the company issued <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2019_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_JtwKkStP3kWME0nhEn3dsA" decimals="-6" format="ixt:numdotdecimal" name="nwg:NumberOfSharesIssuedInConnectionToEmployeeSharePlans" scale="6" id="Narr_efpj_aYpLUeR-SydsyyZuA">38</ix:nonFraction> million ordinary shares of &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_3sd7unWp0kqgor2PAdJweQ">1</ix:nonFraction> each in connection with employee share plans. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">In 2021 NatWest Group paid an interim dividend of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterimDividendPaid" scale="6" id="Narr_S5Zby2hrEku9b0DIJ7l2rA">347</ix:nonFraction> million, or <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" decimals="3" format="ixt:numdotdecimal" name="nwg:InterimDividendPaidOrdinarySharesPerShare" scale="-2" id="Narr_nHEi0xEBZEKZidBlzCbIaQ">3.0</ix:nonFraction>p per ordinary share (2020 - <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_QaIHlUcRKUmb_spvV9brHA" decimals="3" format="ixt-sec:numwordsen" name="nwg:InterimDividendPaid" scale="-2" id="Narr_bIDdlYwbXkiLVtDjRjn3FQ">nil</ix:nonFraction>).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">The company has announced that the directors have recommended a final dividend of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="-5" format="ixt:numdotdecimal" name="nwg:FinalDividendRecommended" scale="6" id="Narr_vz9SJujObEmts0rR0fg4BA">844.3</ix:nonFraction> million, or </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;"><ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_1CADyVMe1EyYKUntrFuXWQ" decimals="3" format="ixt:numdotdecimal" name="nwg:FinalDividendRecommendedPerShare" scale="-2" id="Narr_LX2Ad72A90WJjT1_9Eb07g">7.5</ix:nonFraction>p per ordinary share (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_UcgLB7ZRQ0ipnUw5q6GVcQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:FinalDividendRecommended" scale="6" id="Narr_GCzsI6Dz3kWMgv_WiefdSA">364</ix:nonFraction> million, or <ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_UcgLB7ZRQ0ipnUw5q6GVcQ" decimals="2" format="ixt:numdotdecimal" name="nwg:FinalDividendRecommendedPerShare" scale="-2" id="Narr_hSYoBVGSqUy83hfy6InGgg">3</ix:nonFraction>p) subject to shareholder approval at the Annual General Meeting on 28 April 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8.5pt 0pt;">If approved, payment will be made on 4 May 2022 to shareholders on the register at the close of business on 18 March 2022. The ex-dividend date will be 17 March 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#5e10b1;font-weight:bold;">Cumulative preference shares</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At the 2021 Annual General Meeting, shareholders authorised the company to make an off-market purchase of preference shares in the company. The company announced on 15 December 2021 that it had utilised this authority to purchase <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares5.5PercentMember_jkXdOaqI7USPV7k9zrR99Q" decimals="0" format="ixt:numdotdecimal" name="nwg:NumberOfOwnSharesPurchased" scale="0" id="Narr_3fsF0_q-KkS4FAF1DgzZ6g">157,546</ix:nonFraction> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares5.5PercentMember_jkXdOaqI7USPV7k9zrR99Q" decimals="3" format="ixt:numdotdecimal" name="nwg:IfrsPreferredStockDividendRatePercentage" scale="-2" id="Narr_76p6yHcflESrkmYp8Z8dmw">5.5</ix:nonFraction>% cumulative preference shares (nominal value &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares5.5PercentMember_jkXdOaqI7USPV7k9zrR99Q" decimals="0" format="ixt:numdotdecimal" name="nwg:NominalValueOfPreferenceStockSharesPurchased" scale="0" id="Narr_51f51bBzTUyKP-7bci8J2g">157,546</ix:nonFraction>), representing <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares5.5PercentMember_jkXdOaqI7USPV7k9zrR99Q" decimals="4" format="ixt:numdotdecimal" name="nwg:PercentageOfPreferredStockSharesPurchased" scale="-2" id="Narr_v5maSSVUOUygcqWddFhKJA">39.39</ix:nonFraction>% of the share class, at a purchase price of <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares5.5PercentMember_jkXdOaqI7USPV7k9zrR99Q" decimals="2" format="ixt:numdotdecimal" name="nwg:PreferredStockSharesPurchasePricePercentage" scale="-2" id="Narr_S1BGftcJwk-aPprvvgJm1w">102</ix:nonFraction>% for the total consideration of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares5.5PercentMember_jkXdOaqI7USPV7k9zrR99Q" decimals="0" format="ixt:numdotdecimal" name="nwg:TotalConsiderationPaidForPurchaseOfPreferredStockShares" scale="0" id="Narr_4AfZgUUPJUGebNw8ftdccw">160,697</ix:nonFraction> and <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares11PercentMember_dU6iqUFqzUGGSqw59uPMtw" decimals="0" format="ixt:numdotdecimal" name="nwg:NumberOfOwnSharesPurchased" scale="0" id="Narr_gTAGOl4jP0yr9W2TXPKe0g">259,314</ix:nonFraction> <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares11PercentMember_dU6iqUFqzUGGSqw59uPMtw" decimals="4" format="ixt:numdotdecimal" name="nwg:IfrsPreferredStockDividendRatePercentage" scale="-2" id="Narr_hud5kWsATkOn8X8xF-o03A">11.00</ix:nonFraction>% cumulative preference shares (nominal value &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares11PercentMember_dU6iqUFqzUGGSqw59uPMtw" decimals="0" format="ixt:numdotdecimal" name="nwg:NominalValueOfPreferenceStockSharesPurchased" scale="0" id="Narr_VGbmaJZc_U-xY27GbKq-tg">259,314</ix:nonFraction>), representing <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares11PercentMember_dU6iqUFqzUGGSqw59uPMtw" decimals="4" format="ixt:numdotdecimal" name="nwg:PercentageOfPreferredStockSharesPurchased" scale="-2" id="Narr_CzCZB4u28U-B_Qkuyc4qvA">51.86</ix:nonFraction>% of the share class, at a purchase price of <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares11PercentMember_dU6iqUFqzUGGSqw59uPMtw" decimals="2" format="ixt:numdotdecimal" name="nwg:PreferredStockSharesPurchasePricePercentage" scale="-2" id="Narr_z99-y9Fi7kGRVxVpo9059Q">155</ix:nonFraction>% for the total consideration of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_15_2021_To_12_15_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_CumulativePreferenceShares11PercentMember_dU6iqUFqzUGGSqw59uPMtw" decimals="0" format="ixt:numdotdecimal" name="nwg:TotalConsiderationPaidForPurchaseOfPreferredStockShares" scale="0" id="Narr_BjGdvVuhiEK4ahEB83omYg">401,937</ix:nonFraction>. The company cancelled all of the purchased preference shares.</p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">92</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_bdad8be8_f4cc_4ea1_9c67_1ce89c98e579"></a><a id="Tc_DC26z5GHpUKR23dFsiIXQw_1_2"></a><a id="Tc_Zl_HGYn0oEyL5mzaSVJ_LA_1_6"></a><a id="Tc_5K7GA0B_1UOa94qkjIzk2g_1_8"></a><a id="Tc_Q83frqjo80eW0L0ACDiJpA_2_0"></a><a id="Tc_JDVmvyEHY0mdZxtxfE-xmw_2_2"></a><a id="Tc_zyG4R0Yw20yZabMpGyrK3A_2_4"></a><a id="Tc_5bTeWT-CjkqJNigruWiZKg_2_6"></a><a id="Tc_v4UqdXWDOUefW91fzi0J0A_2_8"></a><a id="Tc_CYko_phybkKJKPPE4m5iyA_3_0"></a><a id="Tc_pJ8V52Vk9kSl_eG4L4qAlg_3_4"></a><a id="Tc_vt3ZSRVDgUuIum8xgyqHrw_3_6"></a><a id="Tc_KnWfTak4H0Sc8AhW6awTkw_3_8"></a><a id="_884c60d8_ab82_47a1_a680_fa1c458c0e78"></a><a id="Tc_-QRaV-C-Nk-QI9V1nvxrcA_1_2"></a><a id="Tc_JiMW-piH8ku_jjvqFFcW2w_1_4"></a><a id="Tc_OyfqQwwMq0mTfnoviKvChg_1_6"></a><a id="Tc_q9lNEQxaT0-Oy27eeh1ejw_2_2"></a><a id="Tc_OnnHHSj4dk2A4aPgOavunw_2_4"></a><a id="Tc_PVLHrMf2gUyXfhnP5mR6cA_2_6"></a><a id="Tc_96QJt9J77EemBl9VaoaRuA_3_0"></a><a id="Tc_4YaC229610-g2dTpyOdXRQ_4_0"></a><a id="Tc_v_RNJQYeU0m8jFkjms5_WQ_4_2"></a><a id="Tc_yTvPAlTmiE2jGbD2poJQ7A_4_4"></a><a id="Tc_J6I-Wzkxl0Gih9x270c7Rg_5_0"></a><a id="Tc_SYFtW9gC6USVD7JdlnNoaA_6_0"></a><a id="Tc_GJcoOQ5_s0SM9nlwuZrYkw_6_2"></a><a id="Tc_urYvmaVkRk23x3vWNC-XMQ_7_0"></a><a id="Tc_tWi9RZ0kDUOixgGJ0UegsQ_7_6"></a><a id="Tc_1w0lok71IESDa6FtKzZobA_8_0"></a><a id="Tc_vvnrigPUFUmcyH5MFMKcAw_8_6"></a><a id="Tc__xZPoIpc7U2j4TihsV2i0A_9_0"></a><a id="Tc_sJErNe3JTE6U1pSOFTv5kw_9_4"></a><a id="Tc_yJI0Any7mUCSWu65SWLcfw_9_6"></a><a id="Tc_Tp9Yl4z8akaiJh46UPMG6Q_10_0"></a><a id="Tc__UYcxI9_wEaI87Qd_7yTeQ_10_4"></a><a id="Tc_6rFwPf4Cy02cKWiV2noCGw_10_6"></a><ix:continuation id="Tb_iUDy_r3N_kWSwhrGMqJzEQ_cont1" continuedAt="Tb_iUDy_r3N_kWSwhrGMqJzEQ_cont2"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">22 Share capital and other equity continued</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';">Non-cumulative preference shares</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Non-cumulative preference shares entitle their holders to periodic non-cumulative cash dividends at specified fixed rates for each series payable out of distributable profits of the company.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The company may redeem some or all of the non-cumulative preference shares from time to time at the rates detailed in the table below plus dividends otherwise payable for the then current dividend period to the date of redemption.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:ScheduleOfNonCumulativePreferenceSharesTableTextBlock" id="Tb_PNjtWZCOmUiN5aBGahGgBA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td 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equity</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">in&#160;issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Interest&#160;rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:15.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">date&#160;on&#160;or&#160;after</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:14.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">price&#160;per&#160;share</p></td></tr><tr><td style="vertical-align:top;width:44.12%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Shares of US$<ix:nonFraction unitRef="Unit_Divide_USD_shares_RbCrR85dP0mUTqI57qE3iQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeriesUNonCumulativePreferenceSharesUS01Member_dfwogxFd_UKRYCdNGerw0g" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_w1lF4oq8g0KpLUw-ykZLVg">0.01</ix:nonFraction> - Series U</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">Floating</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:15.1%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">29 September 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:14.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">US$<ix:nonFraction unitRef="Unit_Divide_USD_shares_RbCrR85dP0mUTqI57qE3iQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_nwg_SeriesUNonCumulativePreferenceSharesUS01Member_dfwogxFd_UKRYCdNGerw0g" decimals="0" format="ixt:numdotdecimal" name="nwg:RedemptionPricePerShare" scale="0" id="Narr_KOXPnXSjvEmzZ5jVQptAwQ">100,000</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-style:italic;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Preference shares where distributions are discretionary are classified as equity.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On a winding-up or liquidation of the company, the holders of the non-cumulative preference shares are entitled to receive, out of any surplus assets available for 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:70.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">    <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">    <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid 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style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:top;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2020UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_V6SoEPegTEeJdrTUQXgSSA" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_ROBmSCey3EyLsLBb9LcMgg">2.0</ix:nonFraction> billion <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2019_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2020UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_IWMjw5Ii8UKShYZ8K7lfdA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_Xz4anA2Q6UaONZlu6AizSA"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2020UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_gHVx44uKW0qOPZi3qM9D3w" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_BtZtQJxpX0Wk5NoX1pOKJQ"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2020UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_V6SoEPegTEeJdrTUQXgSSA" decimals="3" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_OedYo-IJ2EOWqS09vmSP8w">7.5</ix:nonFraction></ix:nonFraction></ix:nonFraction>% notes callable August 2020 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2020UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_IWMjw5Ii8UKShYZ8K7lfdA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_cVdUa0XQAkSq0ZmHnUS1xw_4_6">1,277</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2025UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_8fVw4FbxcEamfhJ9ng_ENg" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_lqgb5_y7a0eZbFi_42BMpw">1.15</ix:nonFraction> billion <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2019_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2025UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember__fzp2AbYE0yereCQMrXDKg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_g95wquHBi0248jySXUXMsw"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2025UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_3cVNKl4qoEW1S7XsKGXWFw" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_d5NY3CD630uttu7N_5fx0w"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2025UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_8fVw4FbxcEamfhJ9ng_ENg" decimals="2" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_hpPgQJ8mykONabjxZ0jqCA">8</ix:nonFraction></ix:nonFraction></ix:nonFraction>% notes callable August 2025 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2025UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_8fVw4FbxcEamfhJ9ng_ENg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_ICGTXeokzEmq-h3612iDHA_5_2">735</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2025UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_3cVNKl4qoEW1S7XsKGXWFw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_LlOeg-iMlUS5N2khvus0ig_5_4">735</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2025UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember__fzp2AbYE0yereCQMrXDKg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_DMfwU_hx70CKIY7ajqmEIQ_5_6">735</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_PKD3jU_qg0SqYUlUeuyrtg" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_WAZJFdQipUaOja4TMQWqjQ">2.65</ix:nonFraction> billion <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2019_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_prVqbXtHRESUOBi6ZtdeUA" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_y-yHh7jJjUKvRisbYll5Vg"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_QekRKDqMPUebES_4ZYdjdA" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_vjXL0y5470mk5EwmJCLBdg"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_PKD3jU_qg0SqYUlUeuyrtg" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_nJ4LPwTnEEyb0j3K67jlmg">8.625</ix:nonFraction></ix:nonFraction></ix:nonFraction>% notes callable August 2021 (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_QekRKDqMPUebES_4ZYdjdA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_KN4odj14lkmp2l2Umg2N8w_6_4">2,046</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_prVqbXtHRESUOBi6ZtdeUA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_j7GSZ6z0R0aVNQGcxtvikA_6_6">2,046</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_TyElbIbWBEOeRCoHSJnSDg" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_1clS_4aCZke4psMjnGLsZQ">1.5</ix:nonFraction> billion <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2019_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_1jV4xqma_EOclurTTDA1tQ" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_2mHEExbOc0SUY4r2d4pEjQ"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_w5jbSlmSckuObfL7TgTrqg" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_3m_6WrgaIEayuzCo6_XcOw"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_TyElbIbWBEOeRCoHSJnSDg" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_ReMN5IoziUi3260LdCE9Rg">6.000</ix:nonFraction></ix:nonFraction></ix:nonFraction>% notes callable December 2025 - June 2026 (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_TyElbIbWBEOeRCoHSJnSDg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_OiwU-Fo-NUW9MXJ3_8qrQg_7_2">1,220</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_w5jbSlmSckuObfL7TgTrqg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_gTVdS8Zdh0WV5oJKj5wEQA_7_4">1,220</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">GBP&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UaGJgCZiIUSbBvLhpJp4Sw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_U0Qx-nNL4UinIvlZ4t1Qng">1.0</ix:nonFraction> billion <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UaGJgCZiIUSbBvLhpJp4Sw" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_XxZw2-LgK06WpuSoGV923w">5.125</ix:nonFraction>% notes callable May - November 2027 (4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UaGJgCZiIUSbBvLhpJp4Sw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_j7MTpwooLEmAsmTmUcJJqg_8_2">998</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_NV1hPmHfjkeLxwVp-PX81A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_hjMLvu2jG06Nf3tknJI6Dw_8_4">998</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">GBP&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UoQgJIFwcUyTN3lYvAbUJw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_OghPOxwpCE-DVggjjKhQig">0.4</ix:nonFraction> billion &#8211; March 2021 issuance (5)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UoQgJIFwcUyTN3lYvAbUJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_cDuZr9AiGUKxFx1UCCp5Ww_9_2">399</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:70.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesJune2021IssuanceUsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_eT_aXUap5U-o1YmjJKRTRw" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_nZ12j_BqfUCc6-9kdfdiVA">0.75</ix:nonFraction> billion &#8211; June 2021 issuance (6)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesJune2021IssuanceUsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_eT_aXUap5U-o1YmjJKRTRw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_94MjMgMdMUyxfEBsNi8f6w_10_2">538</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:top;width:70.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_iT4uhS2uK0qbmIrSMhJWVg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_BgIwgzQEuEmmyTt7zC0h7w_11_2">3,890</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.32%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_3fZRVlRyRESCEzSYVSvSJw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_AACt8zP2xUS-P9hNzOBH2Q_11_4">4,999</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.27%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_2mQMBW1lHk-t1YgGReoEvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_f2T1pwdiCUSehPBjlS-vVw_11_6">4,058</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Issued in August 2015. In the event of conversion, converted into ordinary shares at a price of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">$<ix:nonFraction unitRef="Unit_Divide_USD_shares_RbCrR85dP0mUTqI57qE3iQ" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2020UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_V6SoEPegTEeJdrTUQXgSSA" decimals="3" format="ixt:numdotdecimal" name="nwg:RedemptionPricePerShare" scale="0" id="Narr_N3DSnIfL_UW82Spt82AYaA">3.606</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> nominal per </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2020UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_V6SoEPegTEeJdrTUQXgSSA" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_-Zxnduz6cUCXTIs60-D3hg">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> share.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Issued in August 2016. In the event of conversion, converted into ordinary shares at a price of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">$<ix:nonFraction unitRef="Unit_Divide_USD_shares_RbCrR85dP0mUTqI57qE3iQ" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_PKD3jU_qg0SqYUlUeuyrtg" decimals="3" format="ixt:numdotdecimal" name="nwg:RedemptionPricePerShare" scale="0" id="Narr_c2lcHM9W00-wYQ32-HVzkg">2.284</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> nominal per </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_PKD3jU_qg0SqYUlUeuyrtg" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_aQacnrTKvkesadIFh1Mo0Q">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> share. In July 2021, paid-in equity reclassified to liabilities as the result of a call in August 2021 of US$</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableAugust2021UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_PKD3jU_qg0SqYUlUeuyrtg" decimals="-7" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="9" id="Narr_KZd_jFJfTk6aqtpGg3DHZg">2.65</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> billion AT1 Capital notes.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Issued in June 2020. In the event of conversion, converted into ordinary shares at a price of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_TyElbIbWBEOeRCoHSJnSDg" decimals="3" format="ixt:numdotdecimal" name="nwg:RedemptionPricePerShare" scale="0" id="Narr_XS8vvPM4eEGzrp-yRuYLeQ">1.754</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> (translated at applicable exchange rate) per </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_TyElbIbWBEOeRCoHSJnSDg" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_Z-Fb1tv3MkmE4xpC41Oi4w">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> share.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Issued in November 2020. In the event of conversion, converted into ordinary shares at a price of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UaGJgCZiIUSbBvLhpJp4Sw" decimals="3" format="ixt:numdotdecimal" name="nwg:RedemptionPricePerShare" scale="0" id="Narr_xeKVa0jOAkSIkouDymWyaw">1.754</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> nominal per </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UaGJgCZiIUSbBvLhpJp4Sw" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_6yLutIqnf0avi6nU8XvVyw">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> share.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(5)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Issued in March 2021. In the event of conversion, converted into ordinary shares at a price of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UoQgJIFwcUyTN3lYvAbUJw" decimals="3" format="ixt:numdotdecimal" name="nwg:RedemptionPricePerShare" scale="0" id="Narr_IfqlzwjcTU-nx5IB2-9hmw">1.754</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> nominal per </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_UoQgJIFwcUyTN3lYvAbUJw" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_bAuCp1mqRk-7LkFB7tp_dw">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> share.</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(6)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Issued in June 2021. In the event of conversion, converted into ordinary shares at a price of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesJune2021IssuanceUsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_eT_aXUap5U-o1YmjJKRTRw" decimals="3" format="ixt:numdotdecimal" name="nwg:RedemptionPricePerShare" scale="0" id="Narr_DhUXMCsxeESiD3gux3TYdQ">1.754</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> (translated at applicable exchange rate) per </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_BorrowingsByNameAxis_nwg_AdditionalTier1NotesJune2021IssuanceUsdMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_AdditionalPaidinCapitalMember_eT_aXUap5U-o1YmjJKRTRw" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_nyaQW19yLkWprGj4WHtHfw">1</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> share.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">93</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_iUDy_r3N_kWSwhrGMqJzEQ_cont2"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">22 Share capital and other equity continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;">Merger reserve&#160;-</span><i style="font-style:italic;"> </i>the merger reserve comprises the premium on shares issued to acquire NatWest Bank Plc less goodwill amortisation charged under previous GAAP.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;">Capital redemption reserve</span><i style="color:#5e10b1;font-style:italic;">&#160;-</i><i style="font-style:italic;"> </i>under UK companies legislation, when shares are redeemed or purchased wholly or partly out of the company&#8217;s profits, the amount by which the company&#8217;s issued share capital is diminished must be transferred to the capital redemption reserve. The capital maintenance provisions of UK companies legislation apply to the capital redemption reserve as if it were part of the company&#8217;s paid up share capital. On 15 June 2017, the Court of Session approved a reduction of NatWest plc capital so that the amounts which stood to the credit of the capital redemption reserve were transferred to retained earnings. The nominal value of the shares bought back from HM Treasury in March 2021 and via the Programme during 2021 have been transferred to the Capital redemption reserve.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;">Own shares held&#160;-</span><i style="font-style:italic;"> </i>at 31 December&#160;2021, <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_ShareAndOptionAwardsMember_zWfctn2aI0ODlOTondIraA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates" scale="6" id="Narr_BVj_rmoFakW5WMVk4YbtcQ">15</ix:nonFraction> million ordinary shares of &#163;<ix:nonFraction unitRef="Unit_Divide_GBP_shares_KMjvB0Qwbk2zZ47rkLkM1w" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_ShareAndOptionAwardsMember_zWfctn2aI0ODlOTondIraA" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:ParValuePerShare" scale="0" id="Narr_vE4It1ALAESS6rWUu3QRTw">1</ix:nonFraction> each of the company (2020&#160;&#8211;<ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_ShareAndOptionAwardsMember_SMLutdxIpk-1radmo8FRwQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates" scale="6" id="Narr_xQpxIwBoXE6Air0r2uoUnA">16</ix:nonFraction> million) were held by employee share trusts in respect of share awards and options granted to employees. During the&#160;year, the employee share trusts purchased <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_GKtLMdj2x0eUzSUy5yf3VA" decimals="INF" format="ixt-sec:numwordsen" name="ifrs-full:PurchaseOfTreasuryShares" scale="0" id="Narr_k0ODPgwEnkGByyTBHn3w5w">no</ix:nonFraction> ordinary shares and delivered <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_nwg_ShareAndOptionAwardsMember_qkhTOEbJCEGQTy_El8tF2g" decimals="-6" format="ixt:numdotdecimal" name="nwg:SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" scale="6" id="Narr_HgNu_bnGMkWj4q2NJCsMBQ">1</ix:nonFraction> million ordinary shares in satisfaction of the exercise of options and the vesting of share awards under the employee share plans. The company retains the flexibility to use newly issued shares, shares purchased by the NatWest Group Employee Share Ownership Trust and any available treasury shares to satisfy obligations under its employee share plans. The company does not use performance conditions or targets based on earnings per share (EPS), total shareholder return (TSR), and net asset value (NAV) in connection with its employee share plans.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As part of the shares bought back from HM Treasury in March 2021, the company transferred <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_3_31_2021_To_3_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_BjYvkD5G1kO3A3qUPyyCMg" decimals="-6" format="ixt:numdotdecimal" name="nwg:SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" scale="6" id="Narr_ApPy5bcf5UiDpsMevbB8IA">200</ix:nonFraction> million ordinary shares to treasury. The company has used a total of <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_tZld7X8uakaNg4qGq-OfAw" decimals="INF" format="ixt:numdotdecimal" name="nwg:SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" scale="0" id="Narr_7Em4_eRCQ0q5Gr9UiH5xCQ">19,062,290</ix:nonFraction> treasury shares to satisfy the exercise of options and the vesting of share awards under the employee share plans. The balance of ordinary shares held in treasury as at 31 December 2021 was <ix:nonFraction unitRef="Unit_Standard_shares_pvTMFopVakquYPQEKOdwRQ" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfShareCapitalAxis_ifrs-full_OrdinarySharesMember_ifrs-full_ComponentsOfEquityAxis_ifrs-full_TreasurySharesMember_0x3zNACJaESrulKlKOr4qA" decimals="INF" format="ixt:numdotdecimal" name="ifrs-full:SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates" scale="0" id="Narr_mss3oc2NxUiLtVY6vxoCbg">180,937,710</ix:nonFraction>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group plc optimises capital efficiency by maintaining reserves in subsidiaries, including regulated entities. Certain preference shares and subordinated debt are also included within regulatory capital. The remittance of reserves to the company or the redemption of shares or subordinated capital by regulated entities may be subject to maintaining the capital resources required by the relevant regulator.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK law prescribes that only the reserves of the company are taken into account for the purpose of making distributions and in determining permissible applications of the share premium account.</p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">94</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a23Leases_524779"></a><a id="_e794c031_62d2_47ed_8e15_97cb7a9d5b0e"></a><a id="Tc_SmE92d8lHEOBjBvucQ12Ww_1_2"></a><a id="Tc_H6irEMF98EOQ-NbniVjq_g_1_4"></a><a id="Tc_TLwEWhLz2kWmz-FDqJKMaQ_2_2"></a><a id="Tc_rdp8lihjyEOTSuI0ict7Mg_2_4"></a><a id="Tc_NT10zckAKE-YWWqtnB9kVA_3_0"></a><a id="Tc_Zij3UYLVc0SLUdiZEMThjg_4_0"></a><a id="Tc_xCcUXKsRqk-OYK2VuPfiew_5_0"></a><a id="Tc_YmEAyom-MECwrzusPXoVow_6_0"></a><a id="Tc_0S2OLiVv8EWhUDLAIxivgQ_6_2"></a><a id="Tc_G7Y2g4DXrE6doJzQn6nOfQ_7_0"></a><a id="Tc_pdIxKLJK002OCk-4vgiHyg_10_2"></a><a id="Tc_jHdikfoDC0aMrT6A6czW2g_10_4"></a><a id="Tc_cdQsGrzcEE2RVXBx68CBjw_11_2"></a><a id="Tc__IERdOXy0EG1OhjQUYcm9w_11_4"></a><a id="Tc_VvGkDCD_kEyGmmoxT_jk8A_12_0"></a><a id="Tc_GdHjJyLKQkeWUQQVF7oDjg_13_0"></a><a id="Tc_NaRh_TncNEeYPzsxhCZZRg_14_0"></a><a id="Tc_DMo4hz93DEWFNX7c2XYNSA_15_0"></a><a id="Tc_7Q629Evi30GcXUzmbt18RQ_1_2"></a><a id="Tc_SlL8W5sxXEaw5KbIlMT4yQ_1_4"></a><a id="Tc_whmwshat2ky9kDuQ_p8tcw_2_2"></a><a id="Tc_gchOHZBgF0q79Vzb1N5plg_2_4"></a><a id="Tc_kA5ZlZChDEmZrjWQq1DbFw_3_0"></a><a id="Tc_0WEk2itR6kq7zsNAK5jqwA_4_0"></a><a id="Tc_58UmXNQ0Vk-p37resKVJqA_5_0"></a><a id="Tc_KUAczLUzGE-qVT5sn2Ioew_7_0"></a><a id="Tc_Gn9stRWyYkq8MtP98T5JDw_8_0"></a><a id="Tc_-e3EUPZsAUSXgr6F5dEC9A_1_2"></a><a id="Tc_KnCzyiqCYkS5x0BcPAMYJQ_1_4"></a><a id="Tc_ifps4Ku1JUutzZbawUMEEg_2_2"></a><a id="Tc_7y2JNp5-_Ue5JLIelmaSXQ_2_4"></a><a id="Tc_BmuLhDOBaUuAwvNR7A70hg_3_0"></a><a id="Tc_jeij4qRZjkWtJwrBHKsMfQ_4_0"></a><a id="Tc_BVAYWXMSDkG4I3--084cmw_5_0"></a><a id="Tc_tTI12YqSkUGJqWt4Xp508w_6_0"></a><a id="Tc_jzi5PJqHY0OOCgTiPHaTRA_7_0"></a><a id="Tc_cepfwgtn6kCNsMgje4IGiA_8_0"></a><a id="Tc_4Ki08v_WzU6FHCNPBIojeA_9_0"></a><a id="Tc_H4DaZXP0uEKuJtlPkvghPw_10_0"></a><a id="Tc_5b5lMXFco028Zm5uYQ0pMw_11_0"></a><a id="Tc_sMh8tfRUh0aW4WFFll6jVA_12_0"></a><a id="Tc_I_h2I4uStkORC4xydOnXJA_13_0"></a><a id="Tc_KemCNIZV6kSi3CACnAmiTw_14_0"></a><a id="Tc_cgITG6Cr50aYQCXkIXx3AQ_15_0"></a><a id="Tc_oMjQBaeh1UmbomHm42yVjg_16_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfLeasesExplanatory" id="Tb_tc-XoY01BEOT8RYOpfWqOg" continuedAt="Tb_tc-XoY01BEOT8RYOpfWqOg_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">23 Leases</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:12pt;background:#f2f2f2;margin:0pt;">A lease is a contract or part of a contract whereby the lessor (the legal owner of an asset) conveys to the lessee (the user of the asset) the right to use an asset for an agreed period of time in exchange for a payment or series of payments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">This note presents the income, expenses, assets, liabilities and cash flows of NatWest Group in the capacity of both lessee and lessor.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Lessee</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group is party to lease contracts as lessee to support its operations. 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Amount recognised in consolidated income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest&#160;payable </p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnLeaseLiabilities" scale="6" id="Tc_AGuN_hdQGk6M0-pQuIjbjg_4_2">38</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestExpenseOnLeaseLiabilities" scale="6" id="Tc_9ZeQcf_Z5EGavFgZpNSiig_4_4">42</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation (1)</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromSubleasingRightofuseAssets" scale="6" id="Tc_rDXx-QL1OEG2t1GuVHoKtw_7_2">4</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncomeFromSubleasingRightofuseAssets" scale="6" id="Tc_18ujy39gpE2tKHP5duhCYQ_7_4">4</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Amount recognised on balance sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Right of use assets include property, plant and equipment (2),(3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RightofuseAssets" scale="6" id="Tc_kFYNUWCR9ECsrA-pREbHLg_13_2">733</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RightofuseAssets" scale="6" id="Tc_aXrD4-EZDU6HwXBCmRGa8w_13_4">955</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Additions to right of use assets </p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdditionsToRightofuseAssets" scale="6" id="Tc_bIiO_pkERkOTHlyeMagNpw_14_2">70</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AdditionsToRightofuseAssets" scale="6" id="Tc_Vsa1Pf2ftE-t3neDTw-DSA_14_4">80</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Lease liabilities (3),(4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LeaseLiabilities" scale="6" id="Tc_cFdf8eMo9kq13rhsQiXvYQ_15_2">1,263</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LeaseLiabilities" scale="6" id="Tc_txvCNHYazUi-jKj54BwrKw_15_4">1,698</ix:nonFraction>)</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The total cash outflow for leases is &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashOutflowForLeases" scale="6" id="Narr_gEhKC44YikCroz5R_IlFRQ">195</ix:nonFraction> million (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashOutflowForLeases" scale="6" id="Narr_ZIAlD2yeUEumJeVFZ9Q8jQ">220</ix:nonFraction> million), including payment of principal amount of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:PaymentsOfPrincipalAmountLeaseLiabilities" scale="6" id="Narr_QDtVqNv5TU-INPNJbj2FjA">164</ix:nonFraction> million (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:PaymentsOfPrincipalAmountLeaseLiabilities" scale="6" id="Narr_RbHYpRJKXEy-Piyqy_9guQ">179</ix:nonFraction> million) which are included in the operating activities in the cash flow statement.</p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes impairment of right of use assets of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ImpairmentLossRightOfUseAssets" scale="6" id="Narr_bHS-Dl2n8k2MjFy-T_4TOg">52</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020: </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:ImpairmentLossRightOfUseAssets" scale="6" id="Narr_EctosTl5XUatmhknVoA1Ng">89</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(2)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes right of use asset for plant and equipment of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_PlantAndEquipmentMember_ombx5E3C2EaJ24kscNXDdg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RightofuseAssets" scale="6" id="Narr_PpgTdtqSz0WrhTKHbVzpjQ">9</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020: </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_PlantAndEquipmentMember_uU4gkuv1fkOW8zeCGQy9kg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RightofuseAssets" scale="6" id="Narr_l9UbMDr4JUeyIpzaP2D4tw">8</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million) and depreciation of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_PlantAndEquipmentMember_ombx5E3C2EaJ24kscNXDdg" decimals="-6" format="ixt:numdotdecimal" name="nwg:RightOfUseAssetsAccumulatedDepreciation" scale="6" id="Narr_irFL02C3n0KM-hZbXgprPQ">4</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020: </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_PlantAndEquipmentMember_uU4gkuv1fkOW8zeCGQy9kg" decimals="-6" format="ixt:numdotdecimal" name="nwg:RightOfUseAssetsAccumulatedDepreciation" scale="6" id="Narr_M58bCHzy506TOsOuvB0Udg">2</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(3)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes the effect of the purchase of freeholds for properties where the Group was the primary leaseholder. </span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(4)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Contractual cashflows of lease liabilities are shown in Note 12.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:18pt;text-indent:-18pt;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Lessor</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Acting as a lessor, NatWest Group provides asset finance to its customers. 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Amount included in consolidated income statement</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Finance leases</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance income on the net investment in leases</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinanceIncomeOnNetInvestmentInFinanceLease" scale="6" id="Tc_-ZE9LCLS80WtgkJvFEXqpw_5_2">298</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinanceIncomeOnNetInvestmentInFinanceLease" scale="6" id="Tc_op0phAAaZUC10jW5nJh2iw_5_4">289</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating leases </span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Lease income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingLeaseIncome" scale="6" id="Tc_ZMnz9YEitka9qKSGHG9hDg_8_2">169</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OperatingLeaseIncome" scale="6" id="Tc_Dbw6Cx3hvkW63TUfxK0Gdg_8_4">168</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table shows the reconciliation of undiscounted finance lease receivables to net investment in finance leases:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory" id="Tb_hWC1Mem6O0y9jYhi00zRKg" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#ff0000;font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">Amount receivable under finance leases</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Within 1 year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ryM9hyQMR0mnYn8pLDtrmw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_Gsn0mRS5tEermemKN4WM8A_4_2">3,272</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_2mEW7nHEAU6AlwDJeF8_Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_mpaFdJP4_UW0PRngnC_zKw_4_4">3,156</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">1&#160;to 2&#160; years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_d4KLlvI_fkeFMe_RcPKxOA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_w9TAxX6iQ0OD2DGxhGfAAQ_5_2">2,044</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_AzOvH73o9Eqyog6eRS0MFQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_j9GhBob_fEa0-NEfc_wcQQ_5_4">2,231</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">2 to 3 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_E-gthZ2yak-826oW8qBZtQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc__N3RZe8n4k2VuL-ZO1dWNQ_6_2">1,443</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_4GjmNFYOI0Ou5DKWnDirKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_VBrf_zzS4kycLxMOViyVYQ_6_4">1,609</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">3 to 4 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_jwrSIYh_0Uueby7q121Q3g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_KAIWu7C5qU-Sk4kiLjKH7Q_7_2">757</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_mcA57TWHPEOzUZlD85erQQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_8I6SKj-G_0-eJmeJ1EDFNQ_7_4">952</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">4 to 5 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_N1IZX_t59ka7awz4fLNdEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_hJIkwQEozkW2KArEXq4OXg_8_2">429</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_idHgVv2NrUy4qTOHZMzNdA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_oy-cMHTQjkWpb0BLe9wUQw_8_4">492</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">After 5 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_Vh_G1gn6M0eVtKw5dTymwQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_0D1O5kd3s0mKF7j_CnN8tQ_9_2">1,423</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_-wv6ZAWsn0q6TsfKLZZhXQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_7-XABSuYfUSRAPmll0M6aA_9_4">1,688</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Lease payments total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_01P4Smf9wkGsmSQjtwmfRA_10_2">9,368</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="Tc_J1wg7OQWW0q7oPTVLZsJsg_10_4">10,128</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Unguaranteed residual values</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease" scale="6" id="Tc_0K1Q1Sh1pkmQwZwWC64dJg_11_2">225</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease" scale="6" id="Tc_mEMSHNbSj0CrX1X7TcSYAw_11_4">232</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Future drawdowns</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:FutureDrawdownsOnFinanceLease" scale="6" id="Tc_Qu5vp2TMMEa3u8__5QqyXQ_12_2">21</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:FutureDrawdownsOnFinanceLease" scale="6" id="Tc_mJWPnmv-f0-E0khmH8YISA_12_4">22</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Unearned income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable" scale="6" id="Tc_hIlE4F3_HkuQ7hUQiVKNww_13_2">891</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable" scale="6" id="Tc_WvM1Qr5a_kS48GeQDHerbA_13_4">1,081</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Present value of lease payments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" scale="6" id="Tc_FQWO2_7qEUqAGJqgkdMrPA_14_2">8,681</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" scale="6" id="Tc_r1SOt5YpGkiG4fmJVqWpJg_14_4">9,257</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Impairments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:LessorFinanceLeaseAccumulatedImpairmentLoss" scale="6" id="Tc_Dy0pvyN7ckK2a4UT6GyqiQ_15_2">150</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:LessorFinanceLeaseAccumulatedImpairmentLoss" scale="6" id="Tc_urAqD8ztjEubqnF0tp0vMg_15_4">196</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:80%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Net investment in finance leases</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetInvestmentInFinanceLease" scale="6" id="Tc_ErfbCujpOU69SE6WcIFCLQ_16_2">8,531</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NetInvestmentInFinanceLease" scale="6" id="Tc_WOCdBkc--02BMqpPc6KfZQ_16_4">9,061</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">95</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Tc_ml-E0pLBL0SD8wuu8SpJhA_1_2"></a><a id="Tc_KS_Eo8NNfUiW66DesoX2Eg_1_4"></a><a id="Tc_Kn9iAB5qHkqjRllagu2oUQ_2_2"></a><a id="Tc_buHDTQSMUkWCptbfcGCBLw_2_4"></a><a id="Tc_jyfPs_ySMUqvTMpHflOUzw_3_0"></a><a id="Tc_iQeMNFdR8kOLGid-iYkILg_4_0"></a><a id="Tc_6V3WAJ4QrkmzPHCq4Tnh3A_5_0"></a><a id="Tc_8vyEV0NgoEO5VZ7rNlFLsg_6_0"></a><a id="Tc_OTcAz2EsC0GuiJirv9I0Ug_7_0"></a><a id="Tc_rj2EoBofhUGisUb1ckwWOQ_8_0"></a><a id="Tc_s4pL2NTupEyvucsX-n42Eg_9_0"></a><a id="Tc_zY2vph4HJ02xmXC6SQXb3w_10_0"></a><a id="Tc_ccfCcIvWr0-Qa29bGQ8DIg_1_2"></a><a id="Tc_YWcpzq7Q5U-XQbXbbegCaA_1_4"></a><a id="Tc_CfsNzLXnVEOu2o9C8PnMDw_2_0"></a><a id="Tc_s_sJ15yvYEyI7XFG4IpgKA_2_2"></a><a id="Tc_42ZK_la380WwExpv3AoB1g_2_4"></a><a id="Tc_MR1gJ2z7x0ehoJ889cK5hw_3_0"></a><a id="Tc_2wGK8Pew-Eme9MgdN3vjVg_4_0"></a><a id="Tc_geYVDc6gDUW4T8hUJzBhzA_5_0"></a><a id="Tc_bRGtGi-1gEaIZrUtkj8wWA_1_2"></a><a id="Tc_1eI3FWLjp0qwOfWAIt8QUQ_1_4"></a><a id="Tc_BmWBlWlG-UKsBFs0eY_L3Q_2_2"></a><a id="Tc_aj9ffL-2MEWPNwxFqJnTAA_2_4"></a><a id="Tc_VEZeWqyNb0CVjFbsIGF4Dw_3_0"></a><a id="Tc_k47weH7uF0a_LZDfjEDrUw_4_0"></a><a id="Tc_HfC0AbrUHEWTdRy1BtXwjA_5_0"></a><a id="Tc_q2egXKjCu0-KnbveEh5ggw_6_0"></a><a id="Tc_jaIq1A3FsUKcpkKASGCUxQ_7_0"></a><a id="Tc_00iolp-HC0OQmsklEhxLpA_8_0"></a><a id="Tc_7Gojz_VVfE-D8lUuoL1iPg_9_0"></a><a id="Tc_7o_5r__QLE6W0NUs_dnv-w_10_0"></a><ix:continuation id="Tb_tc-XoY01BEOT8RYOpfWqOg_cont1"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">23 Leases continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following tables show undiscounted lease receivables from operating leases:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" id="Tb_KP0f3BY8iEiUOCY7Ie1XBw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:1pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#ff0000;font-size:6pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0.05pt 2.25pt 0.05pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">Amount receivable under operating leases</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Within 1 year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ryM9hyQMR0mnYn8pLDtrmw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_EphvcuezSk6C9hERay5NvQ_4_2">131</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_2mEW7nHEAU6AlwDJeF8_Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_ZcoreT916E6hLlFA1TM9kg_4_4">143</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">1 to 2 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_d4KLlvI_fkeFMe_RcPKxOA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_34zceVrsjEOROq97QVxalA_5_2">92</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_AzOvH73o9Eqyog6eRS0MFQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_4BT-oqQobEawoFsgy5QGSA_5_4">112</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">2 to 3 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_E-gthZ2yak-826oW8qBZtQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_ypG_wz6CQ0K_kDuWayHw_A_6_2">50</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_4GjmNFYOI0Ou5DKWnDirKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_tOPc2rPX9EOTltIdW2Mkow_6_4">79</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">3 to 4 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_jwrSIYh_0Uueby7q121Q3g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_iCJPExjOYk6JWd4VfcfMuQ_7_2">23</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_mcA57TWHPEOzUZlD85erQQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_5SeVe8Mjski89Kl5yn2mqQ_7_4">34</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">4 to 5 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_N1IZX_t59ka7awz4fLNdEw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_pkSI_1TST028CQvu4HouQw_8_2">11</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_idHgVv2NrUy4qTOHZMzNdA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_JFk7J8iQ30ecVRNdwQvdIg_8_4">14</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">After 5 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_Vh_G1gn6M0eVtKw5dTymwQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_jKDYYtAR3ESvnZjEwv3kcQ_9_2">9</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_-wv6ZAWsn0q6TsfKLZZhXQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_vKlWg-LrSE6VzcahVDTz2w_9_4">11</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0.05pt 0pt 0.05pt 0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0.05pt 3pt 0.05pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_3bDhMIogRE-MVc1bfpooWw_10_4">393</ix:nonFraction></p></td></tr></table></ix:nonNumeric><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory" id="Tb_7Drwi3TgEkmV2JBaiM8sAA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:11pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Nature&#160;of&#160;operating&#160;lease&#160;assets&#160;on&#160;the&#160;balance&#160;sheet</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Transportation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_nwg_TransportationUnderOperatingLeasesMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_81nfRP6qMEKihOFhKw6Pvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" 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id="Tc_9INnFJ_nOE28gMg5DMF61A_3_4">327</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Car and light commercial vehicles</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_ZoxU4MtosEWMQxeSQpCfog" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="Tc_nnh4wZF5WkSxCiUFHw90jw_4_2">21</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_nwg_OtherAssetsUnderOperatingLeasesMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_chxLe3ORCkWX7EhTrOTBBg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="Tc_NNiLHNqBt0CUfDHhVKfAbA_5_2">223</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_nwg_OtherAssetsUnderOperatingLeasesMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_RlCEqpp1bUyEb6jJ6YneZQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="Tc_vGn3IZgtZUSl5307p2YVOA_5_4">245</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_COmUaz3rh0Gu0ozgnmTnPg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="Tc_bhLRxOpRm06HlFEgQ-hCOw_6_2">526</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_pN8KAnCm3U6bRXnbsAcHNw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="Tc_UqivV4kNj0yqCu5eRyp5Fw_6_4">600</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">Fair value of investment properties under operating lease are &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_drJVufAH5E6b6J1rP5fPyw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RentalIncomeFromInvestmentProperty" scale="6" id="Narr_3z5H3xFjq0GqD1KWAzpUTg">838</ix:nonFraction> million (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_qJ1MHkTqQU6GRuzZYQruKQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RentalIncomeFromInvestmentProperty" scale="6" id="Narr_94-7ctVzMU6NcGgiTUpD2w">840</ix:nonFraction> million) and had lease income of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_Ooe7f_7pTk2md6fnEbC9dg" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetOperatingLeaseIncome" scale="6" id="Narr_kDAGYQHieUyd0vyDa_S-0A">59</ix:nonFraction> million (2020: &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_2xV_cFQs00uspTSnmjnoDA" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetOperatingLeaseIncome" scale="6" id="Narr_lYpEygEZ3Ua9vILPAo7yVw">60</ix:nonFraction> million). The following table shows undiscounted lease receivables from investment properties:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock" id="Tb_jivbutoIYUiJsxQzH025UA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;min-height:0.0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Amount receivable under investment properties</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b2;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b2;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Within 1 year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_EAChuRRKRkSW5UyoY-qQBA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_yfCRfyFOHkqsXo3-PjUK3Q_4_2">63</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_7E-xNEJg_Ei6N2aO3UGoGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc__D-cQ8I13k6SPBA0TYP73A_4_4">67</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">1 to 2 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_03wemUil7UKeTPv1GvKNQQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_bV2ia4mdekqDXQt72_xofA_5_2">62</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_nyNq6m3doEGSdLeDBJ6URg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_HdVJNBs0tEqUrbI2W5cjDQ_5_4">127</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2 to 3 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_11OZegvVqEmQOpvYSTBPMg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_Rc6kAa3NykiZY7glvtN_vg_6_2">58</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_MPY6pXG61Emdw6VdfwkBVw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_ILh9zUn_rkK7FmkoQPz5GA_6_4">54</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">3 to 4 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_FB__95sMBUCQ5R5Bq66yCg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_mbj-AF5hEEeIpSYGrCXXEw_7_2">56</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_ldiscWSxLkSP9UEicuWpRA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_m9m4Bhf6uUqTKrEpeMVLeg_7_4">76</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4 to 5 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_A2xHGE53jUmWOtIWspj4CQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_UqHIlkZGCkyTCKvL2VTGZA_8_2">51</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_g49CpKlUbkOlrGKA7Z4loA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_9pX2QrPdqU-x4Uj_f2kJvw_8_4">88</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">After 5 years</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_vj2B4o5Q8USk__TfB0oZhQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_0hreFs12g0eloc3OEdcyTw_9_2">304</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_jXCpczXSMkS7BGxumMd0jw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_nPBM_sKa0EWnU7z9LtSwdA_9_4">142</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:77.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.56%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_ibUlNIJH9U6gXHVPMCr7EQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_hkS7YGSQSkqhVjIbdE_krw_10_2">594</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.55%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_ifrs-full_InvestmentPropertyMember_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_xHQ86aMF4k-JFjx0bNrD8w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="Tc_1MaxJeAdq0aUm-xOuTp9XA_10_4">554</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">96</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a24Structuredentities_9124"></a><a id="Tc_0UmTg3pQfUKffOw855hZHw_1_2"></a><a id="Tc_H6aadIgElU-MHV3AYPoyTg_1_8"></a><a id="Tc_RPhYD2ImyEmPGw2V7INCtA_2_2"></a><a id="Tc_6zExutRDy0SHgZcWD-Xx7Q_2_8"></a><a id="Tc_CQBGCsIM60qRnLJLaFp4QA_3_2"></a><a id="Tc_WTxGgfLm-kiHPvsZW1OEig_3_4"></a><a id="Tc_-TVyxX0N9EaxMZr4rjoHbQ_3_8"></a><a id="Tc_y2EfEioIeUO5AJQ3pKxHbw_3_10"></a><a id="Tc_tX9kFH3b9kSfle2IBocgAg_4_2"></a><a id="Tc_zfUOuEfTdEmsu1S0v0Mg6A_4_4"></a><a id="Tc_bZ-N36Yfb0ycBOUkkEnwOg_4_8"></a><a id="Tc_marPmkW3GkuuCLzNlxDhvQ_4_10"></a><a id="Tc_MSkvpshlE0ebZvafqPSKzQ_5_2"></a><a id="Tc_e6mnf1IfP0SXZAZp6MKIvg_5_4"></a><a id="Tc_POjVOTm3oEmXXDenW9iLow_5_6"></a><a id="Tc_3l9o1001lUmGAG9Ya-ovww_5_8"></a><a id="Tc_OYIub-_Gd0K_OujZvOcVMQ_5_10"></a><a id="Tc_1IhifA7ur0WpY6vynqCl1g_5_12"></a><a id="Tc_PAhLUlvrYUKH5UP_nycejQ_6_2"></a><a id="Tc_7Ef4lWeNdEep476QEVQJFQ_6_4"></a><a id="Tc_PM7D_sa2ckywyTzVI6IR4A_6_6"></a><a id="Tc_QnWKhio4BESd75txzAtoLQ_6_8"></a><a id="Tc_OD-drbDiQ0uaBCh5lDLYMA_6_10"></a><a id="Tc_HgQgeGCa0k2G6nW5EGMjWw_6_12"></a><a id="Tc_rc-bxd2BOUm5_mYjlnxm6w_7_0"></a><a id="Tc_7WeuGe36uU21z_pbUOncnA_8_0"></a><a id="Tc_4EmVjIE6hk-2t6Bi6jYTVw_9_0"></a><a id="Tc_7TfVg7pbNECkP0d8kG9mQA_10_0"></a><a id="Tc_4wj7le5ZKkW3Jg0FMxvlFA_11_0"></a><a id="Tc_I9OZmrDZ2Uei_AbMemyktg_13_0"></a><a id="Tc_pHlwfW23kEmgN6bRJBFyrg_14_0"></a><a id="Tc_xWReMHsPQUakT2A8VUGlOg_15_0"></a><a id="Tc_2LGeV853QE-2jH6rs-yVNQ_16_0"></a><a id="Tc_cPxO3SOGvUqVZ8c0oQKH3w_18_0"></a><a id="Tc_mVPDnJiuB0q4LwDqCYEwfQ_19_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory" id="Tb_gQfjeJvyCEac9YvQzJBgGQ" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">24 Structured entities</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">A structured entity (SE) is an entity that has been designed such that voting or similar rights are not the dominant factor in deciding who controls the entity, for example when any voting rights relate to administrative tasks only and the relevant activities are directed by means of contractual arrangements. SEs are usually established for a specific, limited purpose. They do not carry out a business or trade and typically have no employees. They take a variety of legal forms&#160;- trusts, partnerships and companies&#160;- and fulfil many different functions where these can be a medium for a single transaction or portfolio of similar transactions. SEs are established as investment or funding vehicles, within the NatWest Group and for client transactions. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Consolidated structured entities</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Securitisations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In a securitisation, assets, or interests in a pool of assets, are transferred generally to an SE which then issues liabilities to third party investors. The majority of securitisations are supported through liquidity facilities or other credit enhancements. NatWest Group arranges securitisations to facilitate client transactions and undertakes own-asset securitisations to sell or to fund portfolios of financial assets. NatWest Group also acts as an underwriter and depositor in securitisation transactions in both client and proprietary transactions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group involvement in client securitisations takes a number of forms. It may: sponsor or administer a securitisation programme; provide liquidity facilities or programme-wide credit enhancement; and purchase securities issued by the vehicle.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Other credit risk transfer securitisations </b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group also transfers credit risk on originated loans and mortgages without the transfer of assets to a SE. As part of this, NatWest Group enters into credit derivative and financial guarantee contracts with consolidated SEs. At 31 December 2021, debt securities in issue by such SEs (and held by third parties) were &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ConsolidatedStructuredEntitiesAxis_nwg_ThirdPartyMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_OtherCreditRiskTransferSecuritisationsMember_nYcQEtw1hEax4tyn_cwHww" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Narr_8GqAqzAxvE6WdeTfArW5EQ">867</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ConsolidatedStructuredEntitiesAxis_nwg_ThirdPartyMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_OtherCreditRiskTransferSecuritisationsMember_VwQRj0T_9U6pBAEdGb26gw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Narr_cu4LvCAwjUeKtRHkqz4Wyw">772</ix:nonFraction> million). The associated loans and mortgages at 31 December 2021 were &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_OtherCreditRiskTransferSecuritisationsMember_coeNNXCLPUOIHyaicnErHA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="Narr_K7pXwii-E0ypIs0wJlKXWg">7,137</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_OtherCreditRiskTransferSecuritisationsMember_I4ZksE9qWEGmxb7XG-vAEQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="Narr_P22fQe3GzUKP1d-ceB3vmA">10,027</ix:nonFraction> million). At 31 December, ECL in relation to non-defaulted assets was reduced by &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_OtherCreditRiskTransferSecuritisationsMember_coeNNXCLPUOIHyaicnErHA" decimals="-6" format="ixt:numdotdecimal" name="nwg:ExpectedCreditRiskNonDefaultedAssets" scale="6" id="Narr_hiScGhLqJUWfVwh8ovMl0g">28</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_OtherCreditRiskTransferSecuritisationsMember_I4ZksE9qWEGmxb7XG-vAEQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:ExpectedCreditRiskNonDefaultedAssets" scale="6" id="Narr_NMGTzoz0F0-1VX0b_YaH0A">183</ix:nonFraction> million) as a result of financial guarantee contracts with consolidated SEs.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Covered debt programme</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Group companies have assigned loans to customers and debt investments to bankruptcy remote limited liability partnerships to provide security for issues of debt securities. NatWest Group retains all of the risks and rewards of these assets and continues to recognise them. The partnerships are consolidated by NatWest Group and the related covered bonds included within other financial liabilities. At 31 December 2021, &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_CoveredBondProgrammeMember_gP70HGhpa0C_YmtSV5AjCg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="Narr_qHO3eYmj2UO_TGhtuqrG2g">8,965</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_CoveredBondProgrammeMember_evB6az9jdE27MieU_yXrXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="Narr_xI1yx01kjEeIcRysFU_okA">10,758</ix:nonFraction> million) of loans to customers and <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_CoveredBondProgrammeMember_gP70HGhpa0C_YmtSV5AjCg" decimals="-6" format="ixt-sec:numwordsen" name="ifrs-full:DebtSecurities" scale="6" id="Narr_AnavDGYu60WXlQwdpx4T_g">nil</ix:nonFraction> (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_CoveredBondProgrammeMember_evB6az9jdE27MieU_yXrXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Narr_Bk5ejRwTp02infb9iNucQw">318</ix:nonFraction> million) of debt investments provided security for debt securities in issue and other borrowing of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_CoveredBondProgrammeMember_gP70HGhpa0C_YmtSV5AjCg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherBorrowings" scale="6" id="Narr_EL6uu4Fj80-QWqKQ0jiLMA">3,512</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_CoveredBondProgrammeMember_evB6az9jdE27MieU_yXrXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:OtherBorrowings" scale="6" id="Narr_NXU5-QHyGUu8xQH8zjp0Gw">4,105</ix:nonFraction> million).</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Lending of own issued securities</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';white-space:pre-wrap;">NatWest Group has issued, retained, and lent debt securities under securities lending arrangements. Under standard terms in the UK and US markets, the recipient has an unrestricted right to sell or repledge collateral, subject to returning equivalent securities on maturity of the transaction. NatWest Group retains all of the risks and rewards of own issued liabilities lent under such arrangements and does not recognise them.  At 31 December 2021, </span><span style="font-family:'Arial','Helvetica','sans-serif';">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_SecuredDebtSecuritiesMember_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_LendingOfOwnIssuedSecuritiesMember_m0sFONl8EUWqsGMq4hKJwA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Narr_ZTGOMYPslU-PQmj3jTjLRQ">1,494</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_SecuredDebtSecuritiesMember_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_LendingOfOwnIssuedSecuritiesMember_ScHrJI_IdEO2mhDmXI9jWg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Narr_nYMLB3kQ00GhvInwkmbCBA">1,893</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';"> million) of secured own issued liabilities have been retained and lent under securities lending arrangements. At 31 December 2021, </span><span style="font-family:'Arial','Helvetica','sans-serif';">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_LendingOfOwnIssuedSecuritiesMember_F4ICPotscEG_Sz_lKi31yQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Narr_a6dSKynvO0KJh36zhQY1_w">1,564</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ConsolidatedStructuredEntitiesAxis_ifrs-full_ConsolidatedStructuredEntitiesMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_nwg_LendingOfOwnIssuedSecuritiesMember_gUSwSUvwJU6sK7naXqnplA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:DebtSecurities" scale="6" id="Narr_9h5q3brDJUi1TQL_6kNDgA">2,029</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';"> million) of loans and other debt instruments provided security for secured own issued liabilities that have been retained and lent under securities lending arrangements.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Unconsolidated structured entities</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group&#39;s interest in unconsolidated structured entities is analysed below.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfInterestsInUnconsolidatedStructuredEntitiesExplanatory" id="Tb_rcpjh3ZTx02zBVTDHGctaQ" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #06b3bb;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:28.1%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:26.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Asset</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Asset</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">backed</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Investment</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">backed</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Investment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">securitisation</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">funds and</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">securitisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">funds and</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">vehicles</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">others</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">vehicles</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">others</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Trading assets and derivatives</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_WHX-oeX-CkSz43-zvmNPag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_TeLKgN_3c0Kyh6a6TpFQvg_8_2">490</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_9HFbRRAvoU6FiAK1PgHxvA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_QJmm3RLXiUm8jar9oyDFyQ_8_4">117</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_xQ7lTlIC3UiS5XzI0TTMUQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_hIFO93a0v02u5lG5UVAo7w_8_6">607</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_p7svLGn4qkKH9EbnwmFfTQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_89USQv7te0O29snA3n8b1A_8_8">319</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_jBXQxxv1XUS5MZk3doNsXA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_NZEU5Vz6-k21mcscpuKBug_8_10">46</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_TradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_MOHE9wv4PEatf-AeQl6ihQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_y1u7EdhaUUGlAf694vzsTw_8_12">365</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivative assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_u5-chzoXNU6MBByW3IoF4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_bsgXEPGrxkKFdv3673ERkg_9_2">251</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_lViHAvvcbUyVQH6wKPWzNg" decimals="-6" 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contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_27gzaeQ3SEKhSSLB9yR8KQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_8N4ADhmW8EOmbe4W7_tlZQ_9_8">441</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_Sj-8wo8VY0SfvpLXlofvTQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_npsV1pRFQE2O4N-RCGHynw_9_10">16</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_DOgXWIWvyESVxtP_R_vzzA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_lJbxHduQrkC-YiM8JO6XLQ_9_12">457</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Derivative liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeLiabilitiesMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_IF8f0QLAxkewpOdhhrtTGw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_ixl_kbKEa0mAIHeGHbRbfw_10_2">170</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeLiabilitiesMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_60fIOMf1bUuQ6ZNvwC12Iw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_BLCtnIRhmEaA_ZMfSjfaFQ_10_4">1</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeLiabilitiesMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_bvDEu6EWNU2pMBfBqOoZlQ" decimals="-6" format="ixt:numdotdecimal" 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name="ifrs-full:LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_uLa9v_xB8kCIEM61zecLEw_10_8">319</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeLiabilitiesMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_xU572d7XK0aeNC77rwzzEQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_82vwGJ_R80uAUmsELyayXA_10_10">21</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DerivativeLiabilitiesMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_t0gWXdS9KUW3Hww3Er4DCw" decimals="-6" format="ixt:numdotdecimal" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_hza16bRvgEqbN-4x4rmGRQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_BE3UTGOgU0iUD7ma3K6lwg_15_4">379</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_yDmMhXC5IkqHhfmbpodOlQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_--wULx3YBki8CL_6bxu2cw_15_6">4,024</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_jbWcxKO8xkGdIirBhgZClA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_gGMEiPmC20e6LXWggZaEZw_15_8">3,892</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_eU5ku2kPDUe7TO4PCvGI4A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_EaLTEBj7Yk23Wv2wnNa6Ww_15_10">170</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_B1Q4RHNyXEydwYcfF9lRXw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_A3_dSgp-5kalm77_aevW_g_15_12">4,062</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember__oFTaGb0yE630lgJ6_gpUQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_uvDRqM6wIUyZJGp-mxE6jg_16_2">5,337</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_WylGuBl63k-NMSFMp20FoQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_MsEso5mr1kKpCFJtl38Dug_16_4">740</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_lcBXIFvDMEm33R7M_EKBMQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_Sv9zk4Ykq0yULh2yxlIqkg_16_6">6,077</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_XMCCH_y5EUe0osuB6puuRg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_u3zf0XcaHkmfSTvqTi-aLQ_16_8">5,292</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_InvestmentFundsMember_r6s5K_qqZ0qrtCQUfRMrqw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_6E9sTZ5HN0qc4fbQmf77Gw_16_10">667</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_NonTradingAssetsMember_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_UnconsolidatedStructuredEntitiesMember_CTqbWFRyTUaxO5lrpPzEBQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" scale="6" id="Tc_X7zQLZ7eO0ezX2FdlUqCmw_16_12">5,959</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> <span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:42.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Liquidity facilities/loan commitments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_UnconsolidatedStructuredEntitiesAxis_ifrs-full_SecuritisationVehiclesMember_opx3FIyrC06zdYGwrPxYfA" decimals="-6" format="ixt:numdotdecimal" name="nwg:LiquidityFacilitiesLoanCommitments" scale="6" id="Tc_4sVHKL5os0O1ZhTWr-P54Q_18_2">1,403</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid 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style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">97</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">The following assets have failed derecognition (1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_TradingAssetsMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_icVcLyqg5UaTc8E-mxNILA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_f3Zc2HHBd02e44zCd8OZXQ_3_2">13,084</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_TradingAssetsMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_7UNAiyxxUUaOCxOq8JW-6g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_x8Kkheh6xE-pF-pglHJQnQ_3_4">20,526</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to bank - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_tjTETPBU1UizSJ9r33gppw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_0KWJJ9SHb0OnpljgFhXq2Q_4_2">38</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_UfVP9Ni6jk2FrGub3IRo7A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_HLBy2Zie_E6SsQjCFh9v-g_4_4">5</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_8bt2U8eHFEua8oB39DI67A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_sthzxL3gGkq0uisKUM3eWg_5_2">1,837</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_fz5jDMgEEkaZD8_JrkHwkA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_mYPQfQtdWkG-grFdxS1fWw_5_4">39</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_X0T4uVQWsk2X-DD5whKGMw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_XaD9Ws8C5E6oBj-8iwCOHg_6_2">11,746</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfAssetsAxis_nwg_OtherFinancialAssetsMember_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_qmWoagXZa0SbPrXCNzEDWA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_cW6JYgUI0E21gqy-lbQbhg_6_4">11,542</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_3bLEJF4dv0KVOIPiyGyCTg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_3hNamzwUMEmxcRsq6RkdIg_7_2">26,705</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_hkVGHFQpRkSW5Qz0goL6UA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="Tc_SbLFeLLklkK2wswINb1DXw_7_4">32,112</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-weight:bold;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Associated liabilities were </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_3bLEJF4dv0KVOIPiyGyCTg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfAssociatedFinancialLiabilities" scale="6" id="Narr_XshbvGpWok2MwCo2Xpdb6w">24,747</ix:nonFraction> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_ifrs-full_SecuritiesLendingMember_hkVGHFQpRkSW5Qz0goL6UA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FairValueOfAssociatedFinancialLiabilities" scale="6" id="Narr_N5cvJa31pkaGb-VUj0vBTg">31,932</ix:nonFraction> </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">million).</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Assets pledged as collateral</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group pledges collateral with its counterparties in respect of derivative liabilities and bank and stock borrowings.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfAssetsPledgedAsCollateralTableTextBlock" id="Tb_yTpP6klWWkeT9xYscfIClg" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;min-height:0.0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Assets pledged against liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Trading assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_lc5GxPrcp0KMQLKIlOWKOA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_u7Cc76Zpc0-S_a-vEyf2vg_3_2">23,601</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_TradingAssetsMember_wIMgjqkoZEusMoR9FKVyKQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_EuhqnOT27E2bunv18KBhhA_3_4">28,728</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_UkSs116hrEirniyvW-1N5A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_tOSbEbg-6kO8X-jHjNBeRA_4_2">62</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToBanksMember_6Fa0xhqKB0eBjMWlUuOizQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_H74228Wei0mdA264W9viYw_4_4">49</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_1MR_it-1MECr2n2393Tfbw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_tMljQ8GOBk6tjNx-VDjLBA_5_2">20,108</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_LoansAndAdvancesToCustomersMember_L7Hu8C7Wl0uIlGAU30pdzg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_YefgiItsV06iuxF81tBnEQ_5_4">15,939</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_TrExzdZWi0CT_yuGBq_2oA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_hJ6ACbzdVUOGija3zYrmew_6_2">3,624</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_OtherFinancialAssetsMember_uY55_dc8-0SPyJRNqK-x6w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_1wnTsxJOyUCgr-iVe5bnxg_6_4">4,966</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"> Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.51%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_CuL6NES_a0aQQ9tLGNW6Sg_7_2">47,395</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="Tc_zk-bd3u_5kSj374UGzwRxg_7_4">49,682</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes assets pledged for pension derivatives and stock borrowings.</span></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As part of the covered debt programme &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt" scale="6" id="Narr_QfcrkeZy70GdB73ySfQ5Vw">8,965</ix:nonFraction> million of loans to customers and other debt instruments (2020 &#8211; &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt" scale="6" id="Narr_bf5PhWGYdEypGiyJFQj6YQ">11,076</ix:nonFraction> million) have been transferred to bankruptcy remote limited liability partnerships within the NatWest Group to provide collateral for issues of debt securities and other borrowing by the NatWest Group of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets" scale="6" id="Narr_PEDmtGkKxEKErTgds9W8cQ">3,512</ix:nonFraction> million (2020 &#8211; &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets" scale="6" id="Narr_uYFVfSrvo0OAkJpwg31ttA">4,105</ix:nonFraction> million). See Structured Entities Note.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Own asset securitisations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In own-asset securitisations, the pool of assets held by the SE is either originated by NatWest Group or, in the case of whole loan programmes, purchased from third parties.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The table below analyses the asset categories for those own-asset securitisations where the transferred assets continue to be recorded on NatWest Group&#39;s balance sheet.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfAnalysisOfAssetCategoriesForThoseOwnAssetSecuritisationWhereTransferredAssetsContinuedToBeRecordedOnCompanySBalanceSheetExplanatory" id="Tb_Uw99S2niDk6zcfG-VbMtog" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;min-height:0.0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:31.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:31%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:22.86%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Debt Securities in issue</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:22.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">Debt Securities in issue</p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Held by </b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Held by</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Held by </p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Held by</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">third</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">third</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">NatWest</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Assets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">parties</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Group (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">parties</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Group (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Asset Type</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Mortgages - Rol</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_MortgagesRoiMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueMember_TeEAPqxzUkWqmKHlyNTKag" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_w6AeG4Eg-0G73XePHKUuEw_7_2">1,244</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_MortgagesRoiMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueHeldByGroupMember_ZNzqRzrEoEeXg1FamvrG1g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_t3m_IO-K9EijVCDlXaYQGg_7_6">1,314</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_MortgagesRoiMember_de5_uJTzL0eTC7FJHLio1A" decimals="-6" format="ixt:numdotdecimal" name="nwg:OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet" scale="6" id="Tc_c6VJ2ReLa0uWMFKe0VY8uw_7_8">1,314</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_MortgagesRoiMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueMember_Y36bsqh5tU2pG2fT3HAYpA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_0kkfh2LBAEGKy00JHBWuMA_7_10">1,921</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_MortgagesRoiMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember_sQtSkNvUQ0Skco4335zjCg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_fYPIk0IpW0aGO_BUVoYbgQ_7_12">243</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_MortgagesRoiMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueHeldByGroupMember_eNm7HZiU2k6PeYCrV5Hb1g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_jdf5bGI1y02_Nu9O6vRWoQ_7_14">1,848</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_MortgagesRoiMember_hn4SVm3lhU25iuMVZYvfEw" decimals="-6" format="ixt:numdotdecimal" name="nwg:OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet" scale="6" id="Tc_VNn_FeGeIkig750EVYIdwA_7_16">2,091</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialAssetsAxis_nwg_CashDepositsMember_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueMember_SUBXdQ7jJEWnKyxtgRnXmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_htI6dBH6PkKLYNcrR3NhcA_8_2">42</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.66%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueMember_Q8cIYJdRAUGJ9FU9c2sNvA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_eWVSR3i5IEWSs9d3iWRDag_9_2">1,286</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfFinancialInstrumentsAxis_nwg_DebtSecuritiesInIssueMember_xdpM057uQEWKFxK0BRNvrA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Assets" scale="6" id="Tc_oONjzfP600Gh67Ofg_gWKw_9_10">2,067</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Debt securities retained by NatWest Group may be pledged with central banks.</span></td></tr></table><div style="margin-top:3pt;"></div></ix:nonNumeric></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">98</span></p></td></tr></table><p 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<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a26Capitalresources_701066"></a><a id="Tc_pVKExvrCTkyA2HOW6M63Xw_1_2"></a><a id="Tc_CWHHcjBWaEmmGg3UZaPCCw_2_2"></a><a id="Tc_aoNbOdW1AkW9TLrM-a6yWg_2_4"></a><a id="Tc_-e0HMEGZv0i0nXEmdMLsQQ_3_2"></a><a id="Tc_ogHovRJD5kClicsRN-8syg_3_4"></a><a id="Tc_AHNTtPNEfEGijuVraZVe5Q_4_0"></a><a id="Tc_zpcKowvmnE2FuakaNfr7Ew_5_0"></a><a id="Tc_fJ1w30Jw30ecae4YheM31w_6_0"></a><a 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:18.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">PRA&#160;transitional&#160;basis</b></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">CET1 capital</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;width:79.57%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Qualifying instruments and related share premium subject to phase out</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_BPjdRvJ12UiPhscd6Z_8jA" decimals="-6" format="ixt:numdotdecimal" name="nwg:AdditionalTierOneCapital" scale="6" id="Tc_RwfDxoh7FUaokZc7_kokdg_28_4">5,813</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Tier 1 capital</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_dLXwLaZlHEaEFMddjV0cJg" decimals="-6" format="ixt:numdotdecimal" name="nwg:Tier1Capital" scale="6" id="Tc_aMhHEv-GB0uG0sISoLMmWw_29_2">33,042</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_BPjdRvJ12UiPhscd6Z_8jA" decimals="-6" format="ixt:numdotdecimal" name="nwg:Tier1Capital" scale="6" id="Tc_sFijY1p2D0i2t3NFk3BQwA_29_4">37,260</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Qualifying Tier 2 capital</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Qualifying instruments and related share premium</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_dLXwLaZlHEaEFMddjV0cJg" decimals="-6" format="ixt:numdotdecimal" name="nwg:QualifyingInstrumentsAndRelatedSharePremium" scale="6" id="Tc_UDXeJQp_5EWaKtmsJ0WU9A_31_2">4,935</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_dLXwLaZlHEaEFMddjV0cJg" decimals="-6" format="ixt:numdotdecimal" name="nwg:QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" scale="6" id="Tc_3PJ-0klFYE-Jvs_MvN8HsQ_32_2">314</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_BPjdRvJ12UiPhscd6Z_8jA" decimals="-6" format="ixt:numdotdecimal" name="nwg:QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" scale="6" id="Tc_Td9h0Q0kR0CMqSPZixciWA_32_4">1,191</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;border-bottom:1px solid #000000;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Other regulatory adjustments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Tier 2 capital</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_dLXwLaZlHEaEFMddjV0cJg" decimals="-6" format="ixt:numdotdecimal" name="nwg:Tier2Capital" scale="6" id="Tc_NgepiiK7Xk6gzefP0kwreQ_34_2">5,706</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_BPjdRvJ12UiPhscd6Z_8jA" decimals="-6" format="ixt:numdotdecimal" name="nwg:Tier2Capital" scale="6" id="Tc_WchuYkAxeE-BilW8FuTMeg_34_4">6,473</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:79.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total regulatory capital</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.62%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_dLXwLaZlHEaEFMddjV0cJg" decimals="-6" format="ixt:numdotdecimal" name="nwg:TotalRegulatoryCapital" scale="6" id="Tc_o8GQXq9rI0q318RUif2W6w_35_2">38,748</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_BPjdRvJ12UiPhscd6Z_8jA" decimals="-6" format="ixt:numdotdecimal" name="nwg:TotalRegulatoryCapital" scale="6" id="Tc_oG2u7j3kUEmGr40uwwjeqQ_35_4">43,733</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">It is NatWest Group policy to maintain a strong capital base, to expand it as appropriate and to utilise it efficiently throughout its activities to optimise the return to shareholders while maintaining a prudent relationship between the capital base and the underlying risks of the business. In carrying out this policy, NatWest Group has regard to the supervisory requirements of the PRA. The PRA uses capital ratios as a measure of capital adequacy in the UK banking sector, comparing a bank&#8217;s capital resources with its risk-weighted assets (the assets and off-balance sheet exposures are weighted to reflect the inherent credit and other risks); by international agreement, the Pillar 1 capital ratios should be not less than <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_dLXwLaZlHEaEFMddjV0cJg" decimals="2" format="ixt:numdotdecimal" name="nwg:PillarOneCapitalRatioPra" scale="-2" id="Narr_lL25-TPHD06AV5A5rYTN2Q">8</ix:nonFraction>% with a Common Equity Tier 1 component of not less than <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_CapitalRequirementsAxis_nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_dLXwLaZlHEaEFMddjV0cJg" decimals="3" format="ixt:numdotdecimal" name="nwg:TierOneComponentRatioPra" scale="-2" id="Narr_Csbi9yGo-kmsqcpmj4mVpA">4.5</ix:nonFraction>%. 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Furthermore, the payment of dividends by subsidiaries and the ability of members of NatWest Group to lend money to other members of NatWest Group may be subject to restrictions such as local regulatory or legal requirements, the availability of reserves and financial and operating performance.</p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">99</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a27Memorandumitems_360555"></a><a id="_Hlk705994"></a><a id="_f0477ad9_5cf2_4340_aaf9_8f51ba5fc23b"></a><a id="Tc_bcBveNtpYU66YIJFrPLPJQ_1_4"></a><a id="Tc_q1JRC_tje0CxThsWXjU5ng_1_6"></a><a id="Tc_9vi5CgntYk-7lSzKDWYU_w_2_4"></a><a id="Tc_DS0AcCriT02_1bZ47oQnoA_2_6"></a><a id="Tc_dkDFx3Ndd0eTLI5afkks7A_3_2"></a><a id="Tc_-rxCWVbugEia3AzKvJ-9kw_3_4"></a><a id="Tc_398ZCpeRLUO5uI5s9QzPyg_3_6"></a><a id="Tc_9EdkS1Zo3kuxinE8E58LdA_3_8"></a><a id="Tc__2BWfMsiBkK9FroR5zoFig_4_2"></a><a id="Tc_t2lNnDP6V0-_4SxWPu1Knw_4_4"></a><a id="Tc_d6oZHEYkhECk1La7G0iLEw_4_6"></a><a id="Tc_MDcD5gMVekyy4FW1vPN5UQ_4_8"></a><a id="Tc_TBrylsk_M0CCNjFRDtWNCw_4_10"></a><a id="Tc_u6Xl-dj010eA9k1AITf5ZQ_4_12"></a><a id="Tc_MaPBwGjHrkiIHAyyMdVnMg_5_2"></a><a id="Tc_-qlcyMrPU0m0WFn15wAKag_5_4"></a><a id="Tc_7uhfBnkQDEuJpIoGHmkpgg_5_6"></a><a id="Tc_-w5pfcfIwk6IKE7ADgYnaA_5_8"></a><a id="Tc_gsy0B1xGeEe_hbG2tZIZnQ_5_10"></a><a id="Tc_UcTrm9uVUEK1kjfzt7e0Tg_5_12"></a><a id="Tc_4OBJfFRsNUyhhqNY3wd4bw_6_0"></a><a id="Tc_O2SaF97jGUuhhDbBmidn6g_7_0"></a><a id="Tc_3l_xPZK4_EqyhrosxO8cUQ_8_0"></a><a id="Tc_L6pIWC1-EUumqWV6WjsdYQ_9_0"></a><a id="_b020776b_e4f0_4679_bd8e_3d6c3b536ecc"></a><a id="Tc_T2di0rfE-UebBnfxhnd9KA_1_2"></a><a id="Tc_Vgu85z6xAEGTvqGO8Be-cg_1_4"></a><a id="Tc_wLvCnBlFw0OtJT3RFe2q1w_2_2"></a><a id="Tc_V6Odje2SrkG51C1n2EfkDw_2_4"></a><a id="Tc_sVGkN7WSHk234VGKWG5K7A_3_0"></a><a id="Tc_mF-XC-nOH0mo74V7eKJ9Sg_4_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfCommitmentsExplanatory" id="Tb_x6STWagwb0qsQ3bBjBYeRA" continuedAt="Tb_x6STWagwb0qsQ3bBjBYeRA_cont1" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">27 Memorandum items</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Contingent liabilities and commitments</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;"><span style="white-space:pre-wrap;">NatWest Group provides its customers with a variety of services to support their businesses, such as guarantees. 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:51.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">More&#160;than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">More&#160;than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1&#160;year&#160;but</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3&#160;years&#160;but</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Less&#160;than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">less&#160;than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">less&#160;than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Over</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1&#160;year</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">5&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">5 years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">  <span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Guarantees</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_ContingentLiabilityForGuaranteesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_lK2Xbhsm90Sve_nNAQqu3A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_8vzdm0pnY0O-u0ximoM-5A_6_2">993</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_ContingentLiabilityForGuaranteesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_NN3V0dfCN0C1NUSPcf5M4Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_Kv5weUeHE06gpLibxwYYHw_6_6">195</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_ContingentLiabilityForGuaranteesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_CRKMtgt6ek2Abd0eM5tZgw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_TWEwofGdMUWRb6j0BJ1apQ_6_8">546</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_ContingentLiabilityForGuaranteesMember_yiB1vMUNX0KySN4KqLgbmw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_1vmRGk7nEUC_mamMZBFIgg_6_10">2,055</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_ContingentLiabilityForGuaranteesMember_-iwoeF9BSEypeqrjRYZfHw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_h6kDSERvLUOQPFQJQGBfFQ_6_12">2,244</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other contingent liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_OtherContingentLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_DJdY6-igeEGDc1pfRe42QQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_Ve-9s5iYwEa7hdrIgQkJCQ_7_2">1,005</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_OtherContingentLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_ubKal-8MHk6fJwkOxK5KAw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_dqIeKvop50CNVVZWh_YZrQ_7_4">435</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_OtherContingentLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_OLv8-qxSe0-s1Ng9oaO3Cg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_XKQaGSSrQEegl5m3qdqSMw_7_6">43</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_OtherContingentLiabilitiesMember_ifrs-full_MaturityAxis_ifrs-full_LaterThanFiveYearsMember_hzRhztdOFEKbaiyImgrgCA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_vGZ42T48qECqwaiWEliRLg_7_8">521</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_OtherContingentLiabilitiesMember_KCdgdZk9EEyGnlt2vhMftA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_8qMEScXJK0mHS5odzKP3Kw_7_10">2,004</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ClassesOfContingentLiabilitiesAxis_ifrs-full_OtherContingentLiabilitiesMember_xYDm2lD1Dk6jToD7EK-WAQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="Tc_b8L58MMuU0y-1EskoMsNow_7_12">2,321</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Standby facilities, credit lines and other commitments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ryM9hyQMR0mnYn8pLDtrmw" decimals="-6" format="ixt:numdotdecimal" name="nwg:StandbyFacilitiesCreditLinesAndOtherCommitments" scale="6" id="Tc_GSIz2jyBqk2nDDKoca3LbQ_8_2">60,029</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_DfhNQOZUOk6CAXQqlFlbGQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:StandbyFacilitiesCreditLinesAndOtherCommitments" scale="6" id="Tc_a9cnDdo9QUiAKERJ9DhJdg_8_4">26,775</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_hUTDbUTyrk2ogTeiC95Pag" decimals="-6" format="ixt:numdotdecimal" name="nwg:StandbyFacilitiesCreditLinesAndOtherCommitments" scale="6" id="Tc_MRTwvegUp0u1xHsfjD3KTQ_8_6">27,136</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:StandbyFacilitiesCreditLinesAndOtherCommitments" scale="6" id="Tc_a5LzeaGeuE-TafyGtZELEQ_8_10">121,308</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:StandbyFacilitiesCreditLinesAndOtherCommitments" scale="6" id="Tc_oxGezxm3NUmy86PXliBbsQ_8_12">124,167</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:51.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Contingent liabilities and commitments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ryM9hyQMR0mnYn8pLDtrmw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_KHp67zi8uUOxK55rF_B8sA_9_2">62,027</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_DfhNQOZUOk6CAXQqlFlbGQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_A8p0vuVuN0qAYyvJr-uILQ_9_4">27,531</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_hUTDbUTyrk2ogTeiC95Pag" decimals="-6" format="ixt:numdotdecimal" name="nwg:ContingentLiabilitiesAndCommitments" scale="6" id="Tc_TNP6esqhzk28k8CEfT1vkw_9_6">27,374</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> 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id="Tc_nL2BZOnhnUSTbuT7khfLAg_9_12">128,732</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">The maturity of contingent liabilities and commitment is based on the expiry of the agreement between NatWest Group and the customer.</span></td></tr></table><div style="margin-top:3pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="margin-bottom:10pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Banking commitments and contingent obligations, which have been entered into on behalf of customers and for which there are corresponding obligations from customers, are not included in assets and liabilities. NatWest Group&#8217;s maximum exposure to credit loss, in the event of its obligation crystallising and all counterclaims, collateral or security proving valueless, is represented by the contractual nominal amount of these instruments included in the table above. These commitments and contingent obligations are subject to NatWest Group&#8217;s normal credit approval processes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Guarantees&#160;&#8211; NatWest Group gives guarantees on behalf of customers. A financial guarantee represents an irrevocable undertaking that NatWest Group will meet a customer&#8217;s specified obligations to third party if the customer fails to do so. The maximum amount that NatWest Group could be required to pay under a guarantee is its principal amount as disclosed in the table above. NatWest Group expects most guarantees it provides to expire unused.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Other contingent liabilities&#160;- these include standby letters of credit, supporting customer debt issues and contingent liabilities relating to customer trading activities such as those arising from performance and customs bonds, warranties and indemnities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Standby facilities and credit lines&#160;- under a loan commitment, NatWest Group agrees to make funds available to a customer in the future. Loan commitments, which are usually for a specified term, may be unconditionally cancellable or may persist, provided all conditions in the loan facility are satisfied or waived. 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table shows contractual obligations for future expenditure not provided for in the accounts at the&#160;year end.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfContingentLiabilitiesExplanatory" id="Tb_ShI4I_D_lE-jXCvWf_k-0A" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:70.97%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:70.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:top;width:70.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:top;width:70.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Capital expenditure on property, plant and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment" scale="6" id="Tc_77YGg8O0y0eVylk7oYfFDA_3_2">16</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.55%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment" scale="6" id="Tc_xfd9v3PBOkimMT2Ns7FM2w_3_4">15</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:70.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">Contracts to purchase goods or services<sub style="font-size:6pt;vertical-align:sub;"> </sub>(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContractualCapitalCommitments" scale="6" id="Tc_os4Bi1wH80mVfVgHFd8JLA_4_2">682</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContractualCapitalCommitments" scale="6" id="Tc_j5mxk2EuuEy0-NF6gcEypA_4_4">729</ix:nonFraction></p></td></tr><tr><td style="vertical-align:top;width:70.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CapitalCommitments" scale="6" id="Tc_yiGwL0mhuUiO8916Q8XCvA_5_2">698</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.94%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.55%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CapitalCommitments" scale="6" id="Tc_7VgSYFXdskOdXS0O11_ciQ_5_4">744</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><ix:footnote xml:lang="en-US" id="_82b0530a_10f4_46c3_94a9_3dc4b6704e30"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Of which due within 1&#160;year: </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_ryM9hyQMR0mnYn8pLDtrmw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContractualCapitalCommitments" scale="6" id="Narr_AVhJY_Y5O0ibE70KhBwmZg">301</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_MaturityAxis_ifrs-full_NotLaterThanOneYearMember_2mEW7nHEAU6AlwDJeF8_Cw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ContractualCapitalCommitments" scale="6" id="Narr_riTsBC3IBEu2ANoDUGSyRw">267</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></ix:footnote></td></tr></table><div style="margin-top:10pt;"></div></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:9pt;font-weight:bold;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">100</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_x6STWagwb0qsQ3bBjBYeRA_cont1" continuedAt="Tb_x6STWagwb0qsQ3bBjBYeRA_cont2"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">27 Memorandum items continued</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Trustee and other fiduciary activities</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In its capacity as trustee or other fiduciary role, NatWest Group may hold or place assets on behalf of individuals, trusts, companies, pension schemes and others. The assets and their income are not included in NatWest Group&#8217;s financial statements. NatWest Group earned fee income of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FeeIncomeEarnedFromFiduciaryActivities" scale="6" id="Narr_ecYD4nR9kUeOkQz23xl2Gw">280</ix:nonFraction> million (2020 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:FeeIncomeEarnedFromFiduciaryActivities" scale="6" id="Narr_G2O-10m7WkOiFgsvperOAA">245</ix:nonFraction> million; 2019 - &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:FeeIncomeEarnedFromFiduciaryActivities" scale="6" id="Narr_jWW_qSQc1UunqZzlO4s0GQ">250</ix:nonFraction> million) from these activities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">The Financial Services Compensation Scheme</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The Financial Services Compensation Scheme (FSCS), the UK&#8217;s statutory fund of last resort for customers of authorised financial services firms, pays compensation if a firm is unable to meet its obligations. The FSCS funds compensation for customers by raising management expenses levies and compensation levies on the industry. In relation to protected deposits, each deposit-taking institution contributes towards these levies in proportion to their share of total protected deposits on 31 December&#160;of the&#160;year preceding the scheme&#160;year (which runs from 1 April&#160;to 31 March), subject to annual maxima set by the Prudential Regulation Authority. In addition, the FSCS has the power to raise levies on a firm that has ceased to participate in the scheme and is in the process of ceasing to be authorised for the costs that it would have been liable to pay had the FSCS made a levy in the financial&#160;year it ceased to be a participant in the scheme.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Litigation and regulatory matters</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group plc and certain members of NatWest Group are party to legal proceedings and involved in regulatory matters, including as the subject of investigations and other regulatory and governmental action (Matters) in the United Kingdom (UK), the United States (US), the European Union (EU) and other jurisdictions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group recognises a provision for a liability in relation to these Matters when it is probable that an outflow of economic benefits will be required to settle an obligation resulting from past events, and a reliable estimate can be made of the amount of the obligation.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In many of these Matters, it is not possible to determine whether any loss is probable, or to estimate reliably the amount of any loss, either as a direct consequence of the relevant proceedings and regulatory matters or as a result of adverse impacts or restrictions on NatWest Group&#39;s reputation, businesses and operations. Numerous legal and factual issues may need to be resolved, including through potentially lengthy discovery and document production exercises and determination of important factual matters, and by addressing novel or unsettled legal questions relevant to the proceedings in question, before a liability can reasonably be estimated for any claim. NatWest Group cannot predict if, how, or when such claims will be resolved or what the eventual settlement, damages, fine, penalty or other relief, if any, may be, particularly for claims that are at an early stage in their development or where claimants seek substantial or indeterminate damages.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There are situations where NatWest Group may pursue an approach that in some instances leads to a settlement agreement. This may occur in order to avoid the expense, management distraction or reputational implications of continuing to contest liability, or in order to take account of the risks inherent in defending claims or regulatory matters, even for those Matters for which NatWest Group believes it has credible defences and should prevail on the merits. The uncertainties inherent in all such Matters affect the amount and timing of any potential outflows for both Matters with respect to which provisions have been established and other contingent liabilities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">It is not practicable to provide an aggregate estimate of potential liability for our legal proceedings and regulatory matters as a class of contingent liabilities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The future outflow of resources in respect of any Matter may ultimately prove to be substantially greater than or less than the aggregate provision that NatWest Group has recognised. Where (and as far as) liability cannot be reasonably estimated, no provision has been recognised. NatWest Group expects that in future periods, additional provisions, settlement amounts and customer redress payments will be necessary, in amounts that are expected to be substantial in some instances. Please refer to Note 21 for information on material provisions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Material Matters in which NatWest Group is currently involved are set out below. We have provided information on the procedural history of certain Matters, where we believe appropriate, to aid the understanding of the Matter.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For a discussion of certain risks associated with NatWest Group&#8217;s litigation and regulatory matters, see the Risk factor relating to legal, regulatory and governmental actions and investigations set out on page 156.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Litigation</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Residential mortgage-backed securities (RMBS) litigation in the US</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group companies continue to defend RMBS-related claims in the US in which the plaintiff, the Federal Deposit Insurance Corporation (FDIC), alleges that certain disclosures made in connection with the relevant offerings of RMBS contained materially false or misleading statements and/or omissions regarding the underwriting standards pursuant to which the mortgage loans underlying the RMBS were issued. In Q4 2021, NWMSI settled RMBS claims by the State of New Mexico for an amount that was covered by an existing provision. In addition, NWMSI previously agreed to settle a purported RMBS class action entitled New Jersey Carpenters Health Fund v. Novastar Mortgage Inc. et al. for US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="Duration_3_1_2019_To_3_31_2019_dei_LegalEntityAxis_nwg_NatwestMarketsSecuritiesInc.Member_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingsNomuraHoldingAmericaIncAndSubsidiariesMember_ifrs-full_CounterpartiesAxis_nwg_NewJerseyCarpentersHealthFundMember_Q4KPLpXFPE6PWNHNBafQrA" decimals="-5" format="ixt:numdotdecimal" name="nwg:AgreedSettlementAmount" scale="6" id="Narr_bfgT2cKGAEySiDrEuEbiQA">55.3</ix:nonFraction> million. This was paid into escrow pending court approval of the settlement, which was granted in March 2019, but which remains the subject of an appeal by a class member who does not want to participate in the settlement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">101</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_x6STWagwb0qsQ3bBjBYeRA_cont2" continuedAt="Tb_x6STWagwb0qsQ3bBjBYeRA_cont3"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">27 Memorandum items continued</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">London Interbank Offered Rate (LIBOR) and other rates litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM Plc and certain other members of NatWest Group, including NatWest Group plc, are defendants in a number of class actions and individual claims pending in the United States District Court for the Southern District of New York (SDNY) with respect to the setting of LIBOR and certain other benchmark interest rates. The complaints allege that certain members of NatWest Group and other panel banks violated various federal laws, including the US commodities and antitrust laws, and state statutory and common law, as well as contracts, by manipulating LIBOR and prices of LIBOR-based derivatives in various markets through various means.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Several class actions relating to USD LIBOR, as well as more than <span style="-sec-ix-hidden:Hidden_fn_ysW53X0i8cZ4E-rFvAA;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">two</span></span> dozen non-class actions concerning USD LIBOR, are part of a co-ordinated proceeding in the SDNY. In December 2021, the United States Court of Appeals for the Second Circuit (US Court of Appeals), reversing a December 2016 decision of the SDNY, held that plaintiffs in these cases have adequately asserted the court&#8217;s personal jurisdiction over NWM Plc and other non-US banks, including with respect to antitrust class action claims on behalf of over-the-counter plaintiffs and exchange-based purchaser plaintiffs. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Litigation and regulatory matters</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the same decision, the appellate court affirmed the SDNY&#8217;s prior decision that plaintiffs who purchased LIBOR-based instruments from third parties (as opposed to the defendants) lack antitrust standing to pursue such claims. The appellate court remanded these matters to the SDNY for further proceedings in light of its rulings. A separate appeal concerning the SDNY&#8217;s dismissal of a fraud class action on behalf of lender plaintiffs remains pending in the US Court of Appeals. In March 2020, NatWest Group companies finalised a settlement resolving the class action on behalf of bondholder plaintiffs (those who held bonds issued by non-defendants on which interest was paid from 2007 to 2010 at a rate expressly tied to USD LIBOR). The amount of the settlement (which was covered by an existing provision) has been paid into escrow pending court approval of the settlement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The non-class claims filed in the SDNY include claims that the FDIC is asserting on behalf of certain failed US banks. In July 2017, the FDIC, on behalf of <ix:nonFraction unitRef="Unit_Standard_item_iZPKymIsYUuf3fpVdGAPKQ" contextRef="As_Of_7_31_2017_ifrs-full_ClassesOfProvisionsAxis_nwg_LitigationAndRegulatoryMattersMember_Fg3O800sG02IRP_l2AVL1A" decimals="INF" format="ixt:numdotdecimal" name="nwg:NumberOfFailedUsBanksServedClaim" scale="0" id="Narr_HbJ4HE2PEUax31yNtFyveg">39</ix:nonFraction> of those failed US banks, commenced substantially similar claims against NatWest Group companies and others in the High Court of Justice of England and Wales. The action alleges collusion with regard to the setting of USD LIBOR and that the defendants breached UK and European competition law, as well as asserting common law claims of fraud under US law. The defendant banks consented to a request by the FDIC for discontinuance of the claim in respect of 20 failed US banks, leaving 19 failed US banks as claimants. The UK proceedings are at the disclosure stage.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, there are <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingYenLondonInterbankOfferedRateAndEuroyenTokyoInterbankOfferedRateMember_Xv1BRrHzE0uF8H1STQqslQ" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfClassActionLawsuits" scale="0" id="Narr_IxrKh0RVnkuVulw2gJq71w">two</ix:nonFraction> class actions relating to JPY LIBOR and Euroyen TIBOR. The first class action, which relates to Euroyen TIBOR futures contracts, was dismissed by the SDNY in September 2020 on jurisdictional and other grounds, and the plaintiffs have commenced an appeal to the US Court of Appeals. The second class action, which relates to other derivatives allegedly tied to JPY LIBOR and Euroyen TIBOR, was dismissed by the SDNY in relation to NWM Plc and other NatWest Group companies in September 2021. That dismissal may be the subject of a future appeal.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition to the above, <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_1_31_2017_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_OtherLiborCasesMember_cOLphyN-lE-r0KBf-51tPg" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfClassActionLawsuits" scale="0" id="Narr_Rs-sqQ485ESGXuE4D6kZ5A">five</ix:nonFraction> other class action complaints were filed against NatWest Group companies in the SDNY, each relating to a different reference rate. In February 2017, the SDNY dismissed the case relating to Euribor for lack of personal jurisdiction and in August 2019, the SDNY dismissed the case relating to Pound Sterling for various reasons. Plaintiffs&#8217; appeals in both cases remain pending. In July 2019, the SDNY dismissed the case relating to the Singapore Interbank Offered Rate and Singapore Swap Offer Rate (&#8216;SIBOR / SOR&#8217;) but in March 2021, the US Court of Appeals reversed the SDNY&#8217;s decision, such that the case has returned to the SDNY, where it is the subject of a further motion to dismiss. In the class action relating to the Australian Bank Bill Swap Reference Rate, the SDNY in February 2020 declined to dismiss the amended complaint as against NWM Plc and certain other defendants, but dismissed it as to other members of NatWest Group (including NatWest Group plc). The claims against non-dismissed defendants (including NWM Plc) are now proceeding in discovery. In June 2021, NWM Plc and the plaintiffs in the Swiss Franc LIBOR class action finalised a settlement resolving that case. The amount of the settlement (which was covered by an existing provision) has been paid into escrow pending court approval of the settlement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM Plc is also named as a defendant in a motion to certify a class action relating to LIBOR in the Tel Aviv District Court in Israel. NWM Plc filed a motion for cancellation of service outside the jurisdiction, which was granted in July 2020. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The claimants appealed that decision and in November 2020 the appeal was refused and the claim dismissed by the Appellate Court. The claim could in future be recommenced depending on the outcome of an appeal to Israel&#39;s Supreme Court in respect of dismissal of the substantive case against banks that had a presence in Israel.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="white-space:pre-wrap;">In January 2019, a class action antitrust complaint was filed in the SDNY alleging that the defendants (USD ICE LIBOR panel banks and affiliates) have conspired to suppress USD ICE LIBOR from 2014 to the present by submitting incorrect information to ICE about their borrowing costs. The NatWest Group defendants are NatWest Group plc, NWM Plc, NWMSI and NWB Plc. The defendants made a motion to dismiss this case, which was granted by the court in March 2020. One plaintiff sought to appeal the dismissal, but on 14 February 2022, the US Court of Appeals dismissed the appeal because that plaintiff lacks standing to maintain the appeal.  </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In August 2020, a complaint was filed in the United States District Court for the Northern District of California by several United States consumer borrowers against the USD ICE LIBOR panel banks and their affiliates, alleging that the normal process of setting USD ICE LIBOR amounts to illegal price-fixing, and also that banks in the United States have illegally agreed to use LIBOR as a component of price in variable consumer loans. The NatWest Group defendants are NatWest Group plc, NWM Plc, NWMSI and NWB Plc. The plaintiffs seek damages and to prevent the enforcement of LIBOR-based instruments through injunction. Defendants have filed a motion to dismiss, which remains pending.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:9pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">102</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_x6STWagwb0qsQ3bBjBYeRA_cont3" continuedAt="Tb_x6STWagwb0qsQ3bBjBYeRA_cont4"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">27 Memorandum items continued</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">FX litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM Plc, NWMSI and/or NatWest Group plc are defendants in several cases relating to NWM Plc&#39;s foreign exchange (FX) business. In 2015, NWM Plc paid US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="Duration_1_1_2015_To_12_31_2015_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingFxAntitrustLitigationMember_wprBtIju10KU9L1YS9sybw" decimals="-6" format="ixt:numdotdecimal" name="nwg:LitigationSettlementPaid" scale="6" id="Narr_dHcf7J-wrU6InlT7A7AqPw">255</ix:nonFraction> million to settle the consolidated antitrust class action filed in the SDNY on behalf of persons who entered into over-the-counter FX transactions with defendants or who traded FX instruments on exchanges. In 2018, some members of the settlement class who opted out of that class action settlement filed their own non-class complaint in the SDNY asserting antitrust claims against NWM Plc, NWMSI and other banks. Those opt-out claims are proceeding in discovery.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In April 2019, some of the same claimants in the opt-out case described above, as well as others, served proceedings (which are ongoing) in the High Court of Justice of England and Wales, asserting competition claims against NWM Plc and several other banks. The claim was transferred from the High Court of Justice of England and Wales in December 2021 and registered in the Competition Appeal Tribunal in January 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">An FX-related class action, on behalf of &#8216;consumers and end-user businesses&#8217;, is proceeding in the SDNY against NWM Plc and others. Plaintiffs have filed a motion for class certification, which defendants are opposing.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In May 2019, a cartel class action was filed in the Federal Court of Australia against NWM Plc and <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_5_1_2019_To_5_31_2019_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_FederalCourtOfAustraliaFxAntitrustLitigationMember_gzV5OCqTHkuRcRK7TkHXoA" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation" scale="0" id="Narr_xXPzIKdPv0qrHIv-F96a6w">four</ix:nonFraction> other banks on behalf of persons who bought or sold currency through FX spots or forwards between 1 January 2008 and 15 October 2013 with a total transaction value exceeding AUD $<ix:nonFraction unitRef="Unit_Standard_AUD_BHaZmiPg90uDdDK2WAHXmQ" contextRef="Duration_5_1_2019_To_5_31_2019_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_FederalCourtOfAustraliaFxAntitrustLitigationMember_gzV5OCqTHkuRcRK7TkHXoA" decimals="-5" format="ixt:numdotdecimal" name="nwg:MaximumTotalTransactionValue" scale="6" id="Narr_01wkBkDhT0CZ0NBFpdJlkg">0.5</ix:nonFraction> million. The claimant has alleged that the banks, including NWM Plc, contravened Australian competition law by sharing information, coordinating conduct, widening spreads and manipulating FX rates for certain currency pairs during this period. NatWest Group plc and NWMSI have been named in the action as &#39;other cartel participants&#39;, but are not respondents. The claim was served in June 2019 and, after a number of interlocutory</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Litigation and regulatory matters</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">pleading disputes, NWM Plc is preparing its defence.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In July and December 2019, <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_7_1_2019_To_12_31_2019_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_UkCompetitionAppealTribunalMember_YL33y1vzNU-XvR4awcAdGg" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfApplicationsForOptOutCollectiveProceedings" scale="0" id="Narr_1-Wt0V1djUuLJDhURMSgtw">two</ix:nonFraction> separate applications seeking opt-out collective proceedings orders were filed in the UK Competition Appeal Tribunal against NatWest Group plc, NWM Plc and other banks. Both applications have been brought on behalf of persons who, between 18 December 2007 and 31 January 2013, entered into a relevant FX spot or outright forward transaction in the EEA with a relevant financial institution or on an electronic communications network. A hearing to determine class certification and which of the applications should be permitted to represent the class took place in July 2021 and judgment is awaited.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In November 2020, proceedings were issued in the High Court of Justice of England and Wales against NWM Plc by a claimant who sought an account of profits and/or damages in respect of alleged historical FX trading misconduct. The claim was served on NWM Plc in March 2021 and discontinued in December 2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_9_1_2018_To_10_31_2018_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember_0ES-QLF7PU6yGD4L57RxxQ" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumerOfMotionsToCertifyFxRelatedClassActions" scale="0" id="Narr_O7Qduf6FKUyHi5fx8Wk5zQ">Two</ix:nonFraction> motions to certify FX-related class actions were filed in the Tel Aviv District Court in Israel in September and October 2018, and were subsequently consolidated into <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketsPlcMember_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember_JBHx1MIdaUmSoCdMVmhHcg" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfPendingMotions" scale="0" id="Narr_hoWXclJPDUu0grgnzLzS3A">one</ix:nonFraction> motion. The consolidated motion to certify, which names The Royal Bank of Scotland plc (now NWM Plc) and several other banks as defendants, was served on NWM Plc in May 2020. NWM Plc has filed a motion challenging the permission to serve the consolidated motion outside the Israeli jurisdiction, which remains pending.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In December 2021, a claim was issued in the Netherlands against NatWest Group plc, NWM Plc and NWM N.V. by Stichting FX Claims, seeking a declaration from the court that anti-competitive FX market conduct described in decisions of the European Commission of 16 May 2019 is unlawful, along with unspecified damages. The claimant has indicated that it may seek to amend its claim to also refer to the December 2021 decision by the EC (described below under &#8220;Foreign exchange related investigations&#8221;). A hearing is scheduled for June 2022.</p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">Certain other foreign exchange transaction related claims have been or may be threatened. NatWest Group cannot predict whether all or any of these claims will be pursued.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Government securities antitrust litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWMSI and certain other US broker-dealers are defendants in a consolidated antitrust class action pending in the SDNY on behalf of persons who transacted in US Treasury securities or derivatives based on such instruments, including futures and options. The plaintiffs allege that defendants rigged the US Treasury securities auction bidding process to deflate prices at which they bought such securities and colluded to increase the prices at which they sold such securities to plaintiffs. The complaint was dismissed in March 2021. Plaintiffs have filed an amended complaint, which defendants are again seeking to have dismissed.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Class action antitrust claims commenced in March 2019 are pending in the SDNY against NWM Plc, NWMSI and other banks in respect of Euro-denominated bonds issued by European central banks (EGBs). The complaint alleges a conspiracy among dealers of EGBs to widen the bid-ask spreads they quoted to customers, thereby increasing the prices customers paid for the EGBs or decreasing the prices at which customers sold the bonds. The class consists of those who purchased or sold EGBs in the US between 2007 and 2012. The defendants filed a motion to dismiss this matter, which was granted by the court in respect of NWM Plc and NWMSI in July 2020. Plaintiffs have filed an amended complaint which defendants are seeking to have dismissed.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">103</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_x6STWagwb0qsQ3bBjBYeRA_cont4" continuedAt="Tb_x6STWagwb0qsQ3bBjBYeRA_cont5"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">27 Memorandum items continued</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Swaps antitrust litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM Plc and other members of NatWest Group, including NatWest Group plc, as well as a number of other interest rate swap dealers, are defendants in several cases pending in the SDNY alleging violations of the US antitrust laws in the market for interest rate swaps. There is a consolidated class action complaint on behalf of persons who entered into interest rate swaps with the defendants, as well as non-class action claims by <ix:nonFraction unitRef="Unit_Standard_item_iZPKymIsYUuf3fpVdGAPKQ" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember_i1YCqHEYwEufAj-VL2IIOg" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfSwapExecutionFacilities" scale="0" id="Narr_GHgvCVMkzEKEjF49chiuqg">three</ix:nonFraction> swap execution facilities (TeraExchange, Javelin, and trueEx). The plaintiffs allege that the swap execution facilities would have successfully established exchange-like trading of interest rate swaps if the defendants had not unlawfully conspired to prevent that from happening through boycotts and other means. Discovery in these cases is complete, and the plaintiffs&#39; motion for class certification remains pending.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In June 2021, a class action antitrust complaint was filed against a number of credit default swap dealers in New Mexico federal court on behalf of persons who, from 2005 onwards, settled credit default swaps in the United States by reference to the ISDA credit default swap auction protocol. The complaint alleges that the defendants conspired to manipulate that benchmark through various means in violation of the antitrust laws and the Commodity Exchange Act. The defendants include several NatWest Group companies, including NatWest Group plc. Defendants are seeking dismissal.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Odd lot corporate bond trading antitrust litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In October 2021, the SDNY granted defendants&#8217; motion to dismiss the class action antitrust complaint alleging that from August 2006 onwards various securities dealers, including NWMSI, conspired artificially to widen spreads for odd lots of corporate bonds bought or sold in the United States secondary market and to boycott electronic trading platforms that would have allegedly promoted pricing competition in the market for such bonds. Plaintiffs have commenced an appeal of the dismissal.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Spoofing litigation </span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In December 2021, <ix:nonFraction unitRef="Unit_Standard_action_1er1YV83NU2NyOArhC19kw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingSpoofingLitigationMember_gtyJLonrm0Ku2H7F-uiszw" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfClassActionLawsuits" scale="0" id="Narr_wo-CZnz5eEK2di1tZ9TFpg">three</ix:nonFraction><span style="white-space:pre-wrap;"> substantially similar class actions complaints were filed in federal court in the United States against NWM Plc and NWMSI alleging Commodity Exchange Act and common law unjust enrichment claims arising from manipulative trading known as spoofing. The complaints refer to NWM Plc&#8217;s December 2021 spoofing-related guilty plea (described below under &#8220;US investigations relating to fixed-income securities&#8221;) and purport to assert claims on behalf of those who transacted in US Treasury securities and futures and options on US Treasury securities between 2008 and 2018.  The three complaints are pending in the United States District Court for the Northern District of Illinois.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Madoff</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM N.V. is a defendant in <ix:nonFraction unitRef="Unit_Standard_action_1er1YV83NU2NyOArhC19kw" contextRef="As_Of_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingMadoffLitigationMember_keDoOE3fDEiuSsUYM4hivA" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfClassActionLawsuits" scale="0" id="Narr_GRbazvhHJ06r751cD3TinA">two</ix:nonFraction> actions filed by the trustee for the bankruptcy estates of Bernard L. Madoff and Bernard L. Madoff Investment Securities LLC, in bankruptcy court in New York, which together seek to clawback more than US$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingMadoffLitigationMember_q9xarI6gqkWytOpqhXpEYg" decimals="-6" format="ixt:numdotdecimal" name="nwg:AmountOfLegalClaim" scale="6" id="Narr_OkmZ0si24ku2sf0brTQNcQ">298</ix:nonFraction> million that NWM N.V. allegedly received from certain Madoff feeder funds and certain swap counterparties. The claims were previously dismissed, but as a result of an August 2021 decision by the US Court of Appeals, they will now proceed in the bankruptcy court subject to NWM N.V.&#8217;s legal and factual defences.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Litigation and regulatory matters</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">EUA trading litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM Plc was a named defendant in civil proceedings before the High Court of Justice of England and Wales brought in 2015 by <ix:nonFraction unitRef="Unit_Standard_company_p-sLGTk4UkiE583fOq6NBw" contextRef="Duration_1_1_2015_To_12_31_2015_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_EuaTradingLitigationMember_jjJ2QjSmR0-ToTAl5kAvMA" decimals="INF" format="ixt-sec:numwordsen" name="nwg:IfrsLossContingencyNumberOfPlaintiffs" scale="0" id="Narr_E8IHVODbTkOKCBSZU9WbMw">ten</ix:nonFraction> companies (all in liquidation) (the &#39;Liquidated Companies&#39;) and their respective liquidators (together, &#39;the Claimants&#39;). The Liquidated Companies previously traded in European Union Allowances (EUAs) in 2009 and were alleged to be VAT defaulting traders within (or otherwise connected to) EUA supply chains of which NWM Plc was a party. In March 2020, the court held that NWM Plc and Mercuria Energy Europe Trading Limited (&#8216;Mercuria&#8217;) were liable for dishonestly assisting and knowingly being a party to fraudulent trading during a seven business day period in 2009.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In October 2020, the High Court quantified total damages against NWM Plc and Mercuria at &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_10_1_2020_To_10_31_2020_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_EuaTradingLitigationMember_vg7uj5sm_E2jPYyxTITItg" decimals="-6" format="ixt:numdotdecimal" name="nwg:AmountOfLegalClaimQuantifiedToAppeal" scale="6" id="Narr_i95wtVoqkECfXCjiZtR2rA">45</ix:nonFraction> million plus interest and costs, and permitted the defendants to appeal to the Court of Appeal. In May 2021 the Court of Appeal set aside the High Court&#8217;s judgment and ordered that a retrial take place before a different High Court judge. The claimants have sought permission from the Supreme Court to appeal. The Court of Appeal also dismissed an appeal by Mercuria against the finding by the High Court that NWM Plc and Mercuria were both vicariously liable. Mercuria has sought permission from the Supreme Court to appeal that decision.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Offshoring VAT assessments</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">HMRC issued protective tax assessments in 2018 against NatWest Group plc totalling &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_OffshoringVatAssessmentsMember_ifrs-full_CounterpartiesAxis_nwg_HmrcMember_3-d2ew8PuEWVUT6omJBXLg" decimals="-6" format="ixt:numdotdecimal" name="nwg:UnpaidVatAfterTaxAssessmentAmountClaimed" scale="6" id="Narr_Fln63igqSU6milVXV99NMg">143</ix:nonFraction> million relating to unpaid VAT in respect of the UK branches of two NatWest Group companies registered in India. NatWest Group formally requested reconsideration by HMRC of their assessments, and this process was completed in November 2020. HMRC upheld their original decision and, as a result, NatWest Group plc lodged an appeal with the Tax Tribunal and an application for judicial review with the High Court of Justice of England and Wales, both in December 2020. In order to lodge the appeal with the Tax Tribunal, NatWest Group plc was required to pay the &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_1_2020_To_12_31_2020_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_OffshoringVatAssessmentsMember_ifrs-full_CounterpartiesAxis_nwg_HmrcMember_8MBAUf51xUGN8OEoBxFLGQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:PaymentsForValueAddedTaxAssessments" scale="6" id="Narr_qlUVwJgnMU2DAYblxQMoOw">143</ix:nonFraction> million to HMRC, and payment was made in December 2020. The appeal and the application for judicial review have both been stayed pending resolution of a separate case involving another bank.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">US Anti-Terrorism Act litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWB Plc is a defendant in lawsuits filed in the United States District Court for the Eastern District of New York by a number of US nationals (or their estates, survivors, or heirs) who were victims of terrorist attacks in Israel. The plaintiffs allege that NWB Plc is liable for damages arising from those attacks pursuant to the US Anti-Terrorism Act because NWB Plc previously maintained bank accounts and transferred funds for the Palestine Relief &amp; Development Fund, an organisation which plaintiffs allege solicited funds for Hamas, the alleged perpetrator of the attacks.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In March 2019, the trial court granted summary judgment in favour of NWB Plc. In April 2021, the US Court of Appeals affirmed the trial court&#8217;s judgment in favour of NWB Plc. In September 2021, the plaintiffs filed a petition seeking discretionary review by the United States Supreme Court, and that petition remains pending.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">104</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_x6STWagwb0qsQ3bBjBYeRA_cont5" continuedAt="Tb_x6STWagwb0qsQ3bBjBYeRA_cont6"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">27 Memorandum items continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM N.V. and certain other financial institutions are defendants in several actions filed by a number of US nationals (or their estates, survivors, or heirs), most of whom are or were US military personnel, who were killed or injured in attacks in Iraq between 2003 and 2011. NWM Plc is also a defendant in some of these cases.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">According to the plaintiffs&#8217; allegations, the defendants are liable for damages arising from the attacks because they allegedly conspired with Iran and certain Iranian banks to assist Iran in transferring money to Hezbollah and the Iraqi terror cells that committed the attacks, in violation of the US Anti-Terrorism Act, by agreeing to engage in &#8216;stripping&#8217; of transactions initiated by the Iranian banks so that the Iranian nexus to the transactions would not be detected.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The first of these actions was filed in the United States District Court for the Eastern District of New York in November 2014. In September 2019, the district court dismissed the case, finding that the claims were deficient for several reasons, including lack of sufficient allegations as to the alleged conspiracy and causation. The plaintiffs are appealing the decision to the US Court of Appeals. Another action, filed in the SDNY in 2017, was dismissed in March 2019 on similar grounds, but remains subject to appeal to the US Court of Appeals. Other follow-on actions that are substantially similar to the two that have now been dismissed are pending in the same courts.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Securities underwriting litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWMSI is an underwriter defendant in securities class actions in the US in which plaintiffs generally allege that an issuer of public securities, as well as the underwriters of the securities (including NWMSI), are liable to purchasers for misrepresentations and omissions made in connection with the offering of such securities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">1MDB litigation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A claim for a material sum has been issued, but not served, recently in Malaysia by 1MDB against Coutts &amp; Co Ltd for alleged losses in connection with the 1MDB fund. Coutts &amp; Co Ltd is a company registered in Switzerland and is in wind-down following the announced sale of its business assets in 2015.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Regulatory matters (including investigations and customer redress programmes)</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#39;s businesses and financial condition can be affected by the actions of various governmental and regulatory authorities in the UK, the US, the EU and elsewhere. NatWest Group has engaged, and will continue to engage, in discussions with relevant governmental and regulatory authorities, including in the UK, the US, the EU and elsewhere, on an ongoing and regular basis, and in response to informal and formal inquiries or investigations, regarding operational, systems and control evaluations and issues including those related to compliance with applicable laws and regulations, including consumer protection, investment advice, business conduct, competition/anti-trust, VAT recovery, anti-bribery, anti-money laundering and sanctions regimes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM Group in particular has been providing information regarding a variety of matters, including, for example, offering of securities, the setting of benchmark rates and related derivatives trading, conduct in the foreign exchange market, product mis-selling and various issues relating to the issuance, underwriting, and sales and trading of fixed-income securities, including structured products and government securities, some of which have resulted, and others of which may result, in investigations or proceedings.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Litigation and regulatory matters</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any matters discussed or identified during such discussions and inquiries may result in, among other things, further inquiry or investigation, other action being taken by governmental and regulatory authorities, increased costs being incurred by NatWest Group, remediation of systems and controls, public or private censure, restriction of NatWest Group&#39;s business activities and/or fines. Any of the events or circumstances mentioned in this paragraph or below could have a material adverse effect on NatWest Group, its business, authorisations and licences, reputation, results of operations or the price of securities issued by it, or lead to material additional provisions being taken.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is co-operating fully with the matters described below.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Investigations</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">US investigations relating to fixed-income securities</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In December 2021, NWM Plc pled guilty in the United States District Court for the District of Connecticut to <ix:nonFraction unitRef="Unit_Standard_item_iZPKymIsYUuf3fpVdGAPKQ" contextRef="Duration_12_1_2021_To_12_31_2021_nwg_InvestigationAuthoritiesAxis_nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember_qNcJ49CBt0qDFL-GhI7omw" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfWireFraud" scale="0" id="Narr_ytzJhchTDU2dzcDu7jLxHw">one</ix:nonFraction> count of wire fraud and <ix:nonFraction unitRef="Unit_Standard_item_iZPKymIsYUuf3fpVdGAPKQ" contextRef="Duration_12_1_2021_To_12_31_2021_nwg_InvestigationAuthoritiesAxis_nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember_qNcJ49CBt0qDFL-GhI7omw" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfSecuritiesFrauds" scale="0" id="Narr_iFQ6furnZUWQ4MZI18kCNQ">one</ix:nonFraction> count of securities fraud in connection with historical spoofing conduct by former employees in US Treasuries markets between January 2008 and May 2014 and, separately, during approximately three months in 2018.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The 2018 trading occurred during the term of a non-prosecution agreement (NPA) between NWMSI and the United States Attorney&#8217;s Office for the District of Connecticut (USAO CT), under which non-prosecution was conditioned on NWMSI and affiliated companies not engaging in criminal conduct during the term of the NPA. The relevant trading in 2018 was conducted by two NWM traders in Singapore and breached that NPA.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The plea agreement reached with the US Department of Justice and the USAO CT resolves both the spoofing conduct and the breach of the NPA.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;">As required by the resolution and sentence imposed by the court, NWM Plc is subject to a </span><ix:nonNumeric contextRef="Duration_12_1_2021_To_12_31_2021_nwg_InvestigationAuthoritiesAxis_nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember_qNcJ49CBt0qDFL-GhI7omw" format="ixt-sec:durwordsen" name="nwg:NumberOfYearsProbation" id="Narr_7kO5Ftc_m06mV35mtYhySQ"><span style="font-size:8pt;">three-year</span></ix:nonNumeric><span style="font-size:8pt;"> period of probation and has paid a US$</span><span style="font-size:8pt;"><ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="Duration_12_1_2021_To_12_31_2021_nwg_InvestigationAuthoritiesAxis_nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember_qNcJ49CBt0qDFL-GhI7omw" decimals="-5" format="ixt:numdotdecimal" name="nwg:LossContingencyPenaltyPaidAmountCriminalFines" scale="6" id="Narr_Ihf9XytDYkWSFA-a2E4b_w">25.2</ix:nonFraction></span><span style="font-size:8pt;"> million criminal fine, approximately US</span><span style="font-size:8pt;">$<ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="Duration_12_1_2021_To_12_31_2021_nwg_InvestigationAuthoritiesAxis_nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember_qNcJ49CBt0qDFL-GhI7omw" decimals="-5" format="ixt:numdotdecimal" name="nwg:LossContingencyPenaltyPaidAmountCriminalForfeiture" scale="6" id="Narr_1wIWCv_DS0Oxe8HYr6J6VQ">2.8</ix:nonFraction></span><span style="font-size:8pt;"> million in criminal forfeiture and approximately US$</span><span style="font-size:8pt;"><ix:nonFraction unitRef="Unit_Standard_USD_lLbUkH5RIEyl1DjON2HWDA" contextRef="Duration_12_1_2021_To_12_31_2021_nwg_InvestigationAuthoritiesAxis_nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember_qNcJ49CBt0qDFL-GhI7omw" decimals="-5" format="ixt:numdotdecimal" name="nwg:LossContingencyPenaltyPaidAmountRestitution" scale="6" id="Narr_y4grnZcGtEmjIevGc-M-NA">6.8</ix:nonFraction></span><span style="font-size:8pt;"> million in restitution out of existing provisions. The plea agreement also imposes an independent corporate monitor. In addition, NWM Plc has committed to compliance programme reviews and improvements and agreed to reporting and co-operation obligations.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Other material adverse collateral consequences may occur as a result of this matter, as further described in the Risk factor relating to legal, regulatory and governmental actions and investigations set out on page 156.</p></ix:continuation></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">105</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><ix:continuation id="Tb_x6STWagwb0qsQ3bBjBYeRA_cont6"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">27 Memorandum items continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;">Foreign exchange related investigations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In recent years, NWM Plc paid significant penalties to resolve investigations into its FX business by the FCA, the Commodity Futures Trading Commission, the US Department of Justice, the Board of Governors of the Federal Reserve System, the European Commission (EC) and others. In December 2021, the EC announced that a settlement had been reached with NatWest Group plc, NWM Plc and other banks in relation to its investigation into past breaches of competition law regarding spot foreign exchange trading. NatWest Group plc and NWM Plc were fined EUR <ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_12_1_2021_To_12_31_2021_nwg_InvestigationAuthoritiesAxis_nwg_ForeignExchangeRelatedInvestigationsMember_JndQyj9vA02jwH3wG2-Yeg" decimals="-5" format="ixt:numdotdecimal" name="nwg:FinesReceived" scale="6" id="Narr_Yc3xFwlfWkaRNQ9n1vF4lg">32.5</ix:nonFraction> million in total relating to conduct that took place between 2011 and 2012. The fine was covered by existing provisions. This concludes the EC&#8217;s investigations into NatWest Group&#8217;s past spot foreign exchange trading activity.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">FCA investigation into NatWest Group&#8217;s compliance with the Money Laundering Regulations 2007</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Following an FCA investigation, commenced in 2017, into potential breaches of the UK Money Laundering Regulations 2007 (&#8216;MLR 2007&#8217;), NWB Plc pled guilty in October 2021 to three offences under regulation 45(1) of the MLR 2007 for failure to comply with regulation 8(1) between 7 November 2013 and 23 June 2016, and regulations 8(3) and 14(1) between 8 November 2012 and 23 June 2016. These regulations required the firm to determine, conduct and demonstrate risk sensitive due diligence and ongoing monitoring of its relationships with its customers for the purposes of preventing money laundering. The offences relate to operational weaknesses between 2012 and 2016, during which period NWB Plc did not adequately monitor the accounts of a UK incorporated customer. In December 2021, NWB Plc was fined &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_12_1_2021_To_12_31_2021_dei_LegalEntityAxis_nwg_NationalWestminsterBankPlcMember_ifrs-full_ClassesOfContingentLiabilitiesAxis_nwg_LegalProceedingsMoneyLaunderingRegulationLitigationMember_OSrDVkl5wUujwDNgh2DnUA" decimals="-5" format="ixt:numdotdecimal" name="nwg:FinesReceived" scale="6" id="Narr_pAldMgBanUWXXK6j4KJvIQ">264.8</ix:nonFraction> million, incurred a confiscation order and was ordered to pay costs. This was met by NWB Plc from existing provisions, with a small additional provision taken in Q4 2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Other material adverse collateral consequences may occur as a result of this matter, as further described in the Risk factor relating to legal, regulatory and governmental actions and investigations set out on page 156.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Systematic Anti-Money Laundering Programme assessment</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In December 2018, the FCA commenced a Systematic Anti-Money Laundering Programme assessment of NatWest Group. In August 2019, the FCA instructed NatWest Group to appoint a Skilled Person under section 166 of the Financial Services and Markets Act 2000 to provide assurance on financial crime governance arrangements in relation to two financial crime change programmes. The Skilled Person&#8217;s final report was received in January 2022.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Customer redress programmes</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">FCA review of NatWest Group&#8217;s treatment of SMEs</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';">In 2014, the FCA appointed an independent Skilled Person under section 166 of the Financial Services and Markets Act 2000 to review NatWest Group&#8217;s treatment of SME customers whose relationship was managed by NatWest Group&#8217;s Global Restructuring Group (GRG) in the period 1 January 2008 to 31 December 2013. In response to the Skilled Person&#8217;s final report and update in 2016, NatWest Group announced redress steps for SME customers in the UK and the Republic of Ireland that were in GRG between 2008 and 2013. These steps were (i) an automatic refund of certain complex fees; and (ii) a new complaints process, overseen by an independent third party. Both processes have now been completed. Accordingly, NatWest Group retains only a small residual provision at December 2021.</span></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Investment advice review</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In October 2019, the FCA notified NatWest Group of its intention to appoint a Skilled Person under section 166 of the Financial Services and Markets Act 2000 to conduct a review of whether NatWest Group&#8217;s past business review of investment advice provided during 2010 to 2015 was subject to appropriate governance and accountability and led to appropriate customer outcomes. The Skilled Person&#8217;s review has concluded and, after discussion with the FCA, NatWest Group is now conducting additional review / remediation work.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Litigation and regulatory matters</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Review and investigation of treatment of tracker mortgage customers in Ulster Bank Ireland DAC</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In December 2015, correspondence was received from the CBI setting out an industry examination framework in respect of the sale of tracker mortgages from approximately 2001 until the end of 2015. The redress and compensation phase has concluded, although an appeals process is currently anticipated to run until the end of 2022. NatWest Group has made provisions totalling &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_LegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_fE8Qorbx9kS0SU5kwRt3Kg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Narr_yTFJD6n4tEWChoYQArQPVw">358</ix:nonFraction> million (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_LegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_fE8Qorbx9kS0SU5kwRt3Kg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Narr_xQOs8lnwc0OXVIMq6GqDCg">300</ix:nonFraction> million), of which &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_LegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_fE8Qorbx9kS0SU5kwRt3Kg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="Narr_6f7ra_8M2E2myDb755mEEw">335</ix:nonFraction> million (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_LegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_fE8Qorbx9kS0SU5kwRt3Kg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="Narr_HqDpjSFWTku4Nwfvl8LWEQ">281</ix:nonFraction> million) had been utilised by 31 December 2021.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">UBIDAC customers have lodged tracker mortgage complaints with the Financial Services and Pensions Ombudsman (FSPO). UBIDAC is challenging three FSPO adjudications in the Irish High Court. The outcome and impact of that challenge on those and related complaints is uncertain but may be material.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UBIDAC has identified further legacy business issues and these remediation programmes are ongoing. NatWest Group has made provisions of &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_InternalReviewFromLegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_KVQCoWPxCUiU5uVOS6SIVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Narr_eslJimEp_EmyWcuIbBH4eQ">188</ix:nonFraction> million (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_InternalReviewFromLegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_KVQCoWPxCUiU5uVOS6SIVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NewProvisionsOtherProvisions" scale="6" id="Narr_7FZ3D0dy7USAucp_OpsauQ">158</ix:nonFraction> million), of which &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_InternalReviewFromLegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_KVQCoWPxCUiU5uVOS6SIVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="Narr_kHHnIWTVaEu177K8jX2XFw">156</ix:nonFraction> million (&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfProvisionsAxis_nwg_InternalReviewFromLegalProceedingProvisionTreatmentOfTrackerMortgageCustomersMember_KVQCoWPxCUiU5uVOS6SIVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="Narr_mu-Ew-V8-kG9ZjksaqH9lA">131</ix:nonFraction> million) had been utilised by 31 December 2021 for these programmes.</p></ix:continuation><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:10pt;margin-bottom:10pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">106</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a28Analysisofthenetinvestmentinbusinessi"></a><a id="_62901ab0_836e_46d3_99fa_49750916b27b"></a><a id="Tc_dtufWcPykUOCDXDqZ04L-w_1_2"></a><a id="Tc_CkeNJ1iPKUKAhX8mzNAhkA_1_4"></a><a id="Tc_FRTBYLUgzE2L6FRPeJeXiA_1_6"></a><a id="Tc_KFwOrmZQdkyAbGjonuEbEw_2_2"></a><a id="Tc_I5HHT0i1D0STLoRx0XFonA_2_4"></a><a id="Tc_vquP0sF5gkyKrgilGL3s0w_2_6"></a><a id="Tc_1efTTB43FUeDKTAULBiszA_3_0"></a><a id="Tc_qTo4_Xv4_0WUpx-H6nkMUQ_3_2"></a><a id="Tc_VyxAV5D4z0GJ0Rrp4MgodA_3_4"></a><a id="Tc_3NQxubBQY0qhgw6nJKtWug_4_0"></a><a id="Tc_sdOSC7QwXUK3jYSPHCvsbw_4_6"></a><a id="Tc_jSeKKv6n0E60TwyNSizN0A_5_0"></a><a id="Tc_pkuG2T1evUa3ltrADT4CUg_5_4"></a><a id="Tc_syjYMjiVGk-ip1vfBZcHOQ_5_6"></a><a id="Tc_0MtV0no2aU2DGc7wDTx6xw_6_0"></a><a id="Tc_Xuu0AkcMRE6wEUVGqLc6CQ_8_0"></a><a id="Tc_-ADBJbLB8US-6Au-l8ZABQ_8_2"></a><a id="Tc_NwqRQ4XG2UidVNIEjEdslw_8_6"></a><a id="Tc_JVbHXV72WUimcU_VfPkWmA_9_0"></a><a id="Tc_did_hktahkegy0M3Q_LtWQ_10_0"></a><a id="Tc_nIc3Ks0rYkC3r9ti23pEKw_10_6"></a><a id="Tc_Y5mmr8ZMPkiHIV0SIzVxeg_11_0"></a><a id="Tc_bYQV0UG-WkyA3gjaDmfEHQ_13_0"></a><a id="Tc_fM2sUEPq20i6c3ZdKDXvaw_14_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock" id="Tb_enO7N3r5VkaP0-LTBm-mkg" escape="true"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;font-weight:normal;">28 Analysis of the net investment in business interests and intangible assets</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:2pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt;">This note shows cash flows relating to obtaining or losing control of associates or subsidiaries and net assets and liabilities purchased and sold. These cash flows are presented as investing activities on the cash flow statement.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTableTextBlock" id="Tb_UDKeMoq7OEmAmpJvXzAldQ" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fair value given for businesses acquired(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromSalesOfInterestsInAssociates" scale="6" id="Tc_RfMrtkPJGkGxaNmvrZc5VA_8_4">27</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net assets/liabilities disposed</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetInflowOfCashInRespectOfDisposals" scale="6" id="Tc_ppFG7RfagUqCsLKOL55JwA_11_2">169</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetInflowOfCashInRespectOfDisposals" scale="6" id="Tc_oXubvs7Mik6Gdqkobe2HnQ_11_4">318</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_jQ4YtBRM3E6so5ZhC9xUHw" decimals="-6" format="ixt:numdotdecimal" name="nwg:NetInflowOfCashInRespectOfDisposals" scale="6" id="Tc_giReT-sukEeoXwwqbGFTrA_11_6">351</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" 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style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:22.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">MRELs</b></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">At 1 January</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_r157MZOYOEWo5Pvxk18Jmg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_caQlm-xWtkiZUJQxpcJCOA_5_2">18,239</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_t3BBiL4VxEKDljugRuE46g" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_W_camJxdukyqzAJlNWOUTw_5_4">17,246</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_cZA8gu6AP0CiSTJ6yKwiLA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_DDljE9WGRUqYcjDv84Th5A_5_6">17,134</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember__gKOIl0rlEO--nhCGwMKvw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_vvMJpgnknkeXnSIZYoNmfA_5_8">9,962</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_NYQ456p1ykKUiHoqIhxzVQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_pftz0MjctESabbMQIS-KGw_5_10">9,979</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_7p50IQBask-oeqp6omGoUQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_w466ZcqeNkOkM_jm_OvgOg_5_12">10,535</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_CEqsYZkMxEmIlZIaLnjCKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_897T3WoPrkuMWKrwB3A9-Q_5_16">19,249</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Ordinary shares issued</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_fY9ZFL9Bw0W46nDyLu06WA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfOrdinaryShares" scale="6" id="Tc_uKC-1wS3X0GWl1z4Jzckfw_7_6">17</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Issue of paid-in equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_JvcPJLB_y0eqgUVGYY2mBg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IssueOfEquity" sign="-" scale="6" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Issue of subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_BJqP1w1yuE-5GKgtqWduZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_0TFd4TqlsE-vFhybXB9MFQ_9_8">1,634</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_8g2LYxJks0aq1U5XH-ukDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_b4cJvY7Om0Ccg5ZVrRx4Xg_9_10">1,631</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_hOfrVs_bKkaXHYzlXIUqpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="Tc_32sOkDf9wkGpQXuST4REjA_9_12">577</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Redemption of subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_BJqP1w1yuE-5GKgtqWduZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_Wl0Db1Jr80qe6hzlE8aASw_10_8">4,765</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_8g2LYxJks0aq1U5XH-ukDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc__Yk0b6XpUUSYrLOCxmlj7w_10_10">3,502</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_hOfrVs_bKkaXHYzlXIUqpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Tc_j5s6e5aBbU22uxoy1jMF0w_10_12">1,108</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Interest on subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_BJqP1w1yuE-5GKgtqWduZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestPaidClassifiedAsFinancingActivities" scale="6" id="Tc_FIpMLy26q0Cb2XBP6zaMzQ_11_8">321</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_8g2LYxJks0aq1U5XH-ukDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestPaidClassifiedAsFinancingActivities" scale="6" id="Tc_ZzaaZnqu202Lth9BZOAE6w_11_10">510</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_hOfrVs_bKkaXHYzlXIUqpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:InterestPaidClassifiedAsFinancingActivities" scale="6" id="Tc_GvZm5LFZ6k6PhMvrPQ9vMw_11_12">533</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Issue of MRELs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_g-mQ3DFeaESfv5IemzfOpQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_8EDM_dEGcU6z7g4fuM1mIw_12_14">3,383</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_FALPnjNsF0aN6xHAtLWhqw" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc__7do82pto0ehtwYwaZImBA_12_16">1,309</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_GWD9v5l-1Ue9HXvNeduhHQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_DVwOKOtUaUeQ7cSY6obzfA_12_18">3,640</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Maturity/redemption of MRELs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_FALPnjNsF0aN6xHAtLWhqw" decimals="-6" format="ixt:numdotdecimal" name="nwg:RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_Stf1UuMpbES_eJoP0McLMw_13_16">2</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_GWD9v5l-1Ue9HXvNeduhHQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_IYdtazCMhkG6_bs3fUD4Cg_13_18">1,285</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-bottom:1px solid #000000;border-left:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Interest on MRELs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> &#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_g-mQ3DFeaESfv5IemzfOpQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_tqa_YasxcUSroFeQCHaOlA_14_14">647</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_FALPnjNsF0aN6xHAtLWhqw" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_sLo3okyl4UK4fCUzpfpqXw_14_16">671</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_GWD9v5l-1Ue9HXvNeduhHQ" decimals="-6" format="ixt:numdotdecimal" name="nwg:InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" scale="6" id="Tc_k8HAQfJYxkidJZJ2ycheWg_14_18">428</ix:nonFraction>)</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Net cash inflow/(outflow) from financing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_JvcPJLB_y0eqgUVGYY2mBg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" scale="6" id="Tc__OyxksFvwUac3RoPUrM5Og_15_2">937</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_FRtM3_U_Pk2tWllDEA10QA" 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_8g2LYxJks0aq1U5XH-ukDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" sign="-" scale="6" id="Tc_HCQh4D_ZiU-ziRgNvX4lDQ_15_10">2,381</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_hOfrVs_bKkaXHYzlXIUqpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" sign="-" scale="6" id="Tc_l65lSUtzLE2joBIEWOg6PA_15_12">1,064</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_g-mQ3DFeaESfv5IemzfOpQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" scale="6" id="Tc_EBaCete1902AxoGc_Ph0dA_15_14">2,736</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_GWD9v5l-1Ue9HXvNeduhHQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" scale="6" id="Tc_FZfpP1fvzkq0nZn33fAMOA_15_18">1,927</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Ordinary shares issued</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ClassesOfOrdinarySharesAxis_nwg_EmployeeShareSchemesMember_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_Mi4RI8CqrUKX72YD3K4twg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfOrdinaryShares" scale="6" id="Tc_bW4zsgQciUWwuz03px5Tlw_16_2">87</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ClassesOfOrdinarySharesAxis_nwg_EmployeeShareSchemesMember_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_63Z85mporU6g4IZmTs7ggw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ProceedsFromIssueOfOrdinaryShares" scale="6" id="Tc_iFNWKNRrB0ybbFycVClNmA_16_4">52</ix:nonFraction></p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_BJqP1w1yuE-5GKgtqWduZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" sign="-" scale="6" id="Tc_1cH_cMjy60eon19e2hoeyQ_19_8">434</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_8g2LYxJks0aq1U5XH-ukDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_CDwKHFgQtUuhmgsndRGgOA_19_10">133</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_hOfrVs_bKkaXHYzlXIUqpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_nQ2V6_IGFkOIHNQGyWPbpw_19_12">317</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_g-mQ3DFeaESfv5IemzfOpQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" sign="-" scale="6" id="Tc_82tk8FZCcEaBSKCMs998SQ_19_14">649</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_FALPnjNsF0aN6xHAtLWhqw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_LGVKUA1UHEyLhfvGX_wG5g_19_16">829</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_GWD9v5l-1Ue9HXvNeduhHQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_H1lzxY_KSU6T4vvFYQl0KQ_19_18">539</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Paid in equity reclassified to subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_JvcPJLB_y0eqgUVGYY2mBg" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities" sign="-" scale="6" id="Tc_x3R7aDS7OE6I5M5vKLSmYQ_20_2">2,046</ix:nonFraction>)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"> (<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_FRtM3_U_Pk2tWllDEA10QA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities" sign="-" scale="6" id="Tc_53_XBvsGq0KjRgmgk3C46A_20_4">1,277</ix:nonFraction>)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Loss on sale of subordinated liabilities and MRELs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_BJqP1w1yuE-5GKgtqWduZA" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_7OZZVBw8ikGg0BNzbsqVXw_21_8">145</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_8g2LYxJks0aq1U5XH-ukDw" decimals="-6" format="ixt:numdotdecimal" name="nwg:IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_yBypQsoms0-UMDO7o-jQow_21_10">324</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Interest on subordinated liabilities and MRELs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_BJqP1w1yuE-5GKgtqWduZA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_CqCp3bz5pE2zB0wGsEqBsQ_22_8">311</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.03%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_8g2LYxJks0aq1U5XH-ukDw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_SVC1KmfC60a8HdlCTG7S1A_22_10">509</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_SubordinatedLiabilitiesMember_hOfrVs_bKkaXHYzlXIUqpw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_-cG_E8mSnEuaWMBNSDdMQQ_22_12">506</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_g-mQ3DFeaESfv5IemzfOpQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_1ua7k5zGyk2sz1aPoHzFGA_22_14">653</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_FALPnjNsF0aN6xHAtLWhqw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_ZNOsTE8EekCobYaKea7Q8Q_22_16">673</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2019_To_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_GWD9v5l-1Ue9HXvNeduhHQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" scale="6" id="Tc_JYAqlj1dnkefhFuFKIc_xA_22_18">645</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:30.13%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">At 31 December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_ComponentsOfEquityAxis_nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_XvkwSd01Yk-N_6jsbCIyEg" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:Equity" scale="6" id="Tc_bMyR7VBZq0CWZhTRl4I3Nw_23_2">16,519</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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id="Tc_8D4SsMkzJk2X85pKKei1VQ_23_16">20,873</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.48%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_CEqsYZkMxEmIlZIaLnjCKw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" scale="6" 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style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">107</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td 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style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashEquivalents" scale="6" id="Tc_rh2A68j1HEid9bdHV6kQ2w_5_2">14,710</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2018_7vkMEYdmKky9HJtpcwsmUA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndCashEquivalents" scale="6" id="Tc_zcerpKxC2EC_FCcyttJ_2w_6_6">108,936</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net increase/(decrease) in cash and cash equivalents</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" scale="6" id="Tc_99rvxRmhnE-WBEi29sP5AA_7_2">51,507</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" scale="6" id="Tc_QHI_Mbs8kEKbvh6co4ZurA_7_4">38,611</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid 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style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and balances at central banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndBankBalancesAtCentralBanks" scale="6" id="Tc_wJJOVFVrs0u4PssxVVIFtg_11_2">177,757</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndBankBalancesAtCentralBanks" scale="6" id="Tc_PdzWyslx-kqzJnFvk3gDpw_11_4">124,489</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" scale="6" id="Tc_vnswvtgxq0KXcogRxKiLkA_12_2">7,137</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" scale="6" id="Tc_AdhyiMv1h0qwB6QWASMTFw_12_4">9,220</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" scale="6" id="Tc_hrb5mMJzSUyKMF8EBk-h-Q_12_6">12,578</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsClassifiedAsCashEquivalents" scale="6" id="Tc_9KWjP_sXIUigGRb-Cst_Iw_13_2">16</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsClassifiedAsCashEquivalents" scale="6" id="Tc_9PkRda0Iv0mXzc8ffI1goQ_13_4">173</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:OtherFinancialAssetsClassifiedAsCashEquivalents" scale="6" id="Tc_vHN48g3KPEOOu_WSLRTSlw_13_6">459</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks - amortised cost (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BankingArrangementsClassifiedAsCashEquivalents" scale="6" id="Tc_ViMdPxrlBk-I6T-rqZMO8Q_14_2">5,796</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BankingArrangementsClassifiedAsCashEquivalents" scale="6" id="Tc_Yqo0EURbaUWBph83L5RdYA_14_4">5,317</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:BankingArrangementsClassifiedAsCashEquivalents" scale="6" id="Tc_9XwmoG5HeUadkY6HDhNaEQ_14_6">6,558</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:73.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cash and cash equivalents</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.45%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndCashEquivalents" scale="6" id="Tc_6JY3OjMqg0iOx1NsED1MVQ_15_2">190,706</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndCashEquivalents" scale="6" id="Tc__c8CV0Yn70-vl-E37Ehecg_15_4">139,199</ix:nonFraction></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.46%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.44%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:CashAndCashEquivalents" scale="6" id="Tc_sanWQsoBFkK6K_ZGjU3h-w_15_6">100,588</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;">(1)</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">Includes cash collateral posted with bank counterparties in respect of derivative liabilities of </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:CashCollateralPostedRelatedToDerivativeLiabilities" scale="6" id="Narr_iMsycVLSbE2IwF_e-Tc2-g">4,293</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million (2020 - </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_WBZHE0Rp80ilabZxdPyeVA" decimals="-6" format="ixt:numdotdecimal" name="nwg:CashCollateralPostedRelatedToDerivativeLiabilities" scale="6" id="Narr_HGevOMjAsUWkK-E93OpKTg">7,592</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million; 2019&#160;- </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;">&#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2019_xwhS24bF1Eut-djMRrDw_Q" decimals="-6" format="ixt:numdotdecimal" name="nwg:CashCollateralPostedRelatedToDerivativeLiabilities" scale="6" id="Narr_f_fsSDzDr02vAyDSyWRQog">7,570</ix:nonFraction></span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;font-style:normal;font-weight:normal;"> million).</span></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Certain members of NatWest Group are required by law or regulation to maintain balances with the central banks in the jurisdictions in which they operate. Natwest Markets N.V. had mandatory reserve deposits with De Nederlandsche Bank N.V. of &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_NatwestMarketNVMember_NJiCnJRAU0WUJob4vKNopQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" scale="6" id="Narr_It90rMs6T0SES3_vQoXX1g">60</ix:nonFraction> million (2020 - &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_dei_LegalEntityAxis_nwg_NatwestMarketNVMember_I8zxUf2boE6Pt51ZWURQWA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" scale="6" id="Narr_NGBuuVUv9kqutIvQ26AZjg">81</ix:nonFraction> million, 2019 &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2019_dei_LegalEntityAxis_nwg_NatwestMarketNVMember_4zZGlaYUuECxD4B1NhmZPw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" scale="6" id="Narr_8u4S5twZlka3BYyl85k8Ig">47</ix:nonFraction> million). The Royal Bank of Scotland International (Holdings) Limited had balances with Central Bank of Luxembourg of &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2021_dei_LegalEntityAxis_nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember_K606zmHmw0WKqhNTXh-MGQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" scale="6" id="Narr_HrAl667wyECkF73cWzBwMw">123</ix:nonFraction> million (2020 - &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2020_dei_LegalEntityAxis_nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember_J31tM2Vq7EyoejvpUM8KcA" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" scale="6" id="Narr_UfZ8sl7odUqAmPEZq-CbkA">59</ix:nonFraction> million, 2019 &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="As_Of_12_31_2019_dei_LegalEntityAxis_nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember_ZoKtz1tYzEOPNvwPavC4WQ" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" scale="6" id="Narr_OpecVzOw_U6_1Gr629QTZA">58</ix:nonFraction> million)</p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><a id="a31Directorsandkeymanagementremuneration"></a><a id="Tc_zExBq3VatkqFO-E3joG_kg_1_2"></a><a id="Tc_28p4mU6xw0iWxjU2upuJeg_1_4"></a><a id="Tc_vr967VBaRUCqjYdRCQJVLA_2_0"></a><a id="Tc_T1RKZkegxkiQ83bitSKYGQ_2_2"></a><a id="Tc_dMEsAWTtvUKB8xDCXmhARg_2_4"></a><a id="Tc_lx1lGpdeyEaLFBFm9i9OVA_3_0"></a><a id="Tc_9x5Flsf9lEWzQfmSGzZmlA_4_0"></a><a id="Tc_kQ2FilelZkeFNK7FUZjVcg_6_0"></a><a id="Tc_xF6wQOWYNUyxv7-rzte-IA_7_0"></a><a id="_6c1b7a6d_b376_434e_8612_6c372461d8ad"></a><a id="Tc_uhtLsXrfR0m8ykmku7Rylg_1_2"></a><a id="Tc_GfIxPa9xCEih8pHu4N1cnw_1_4"></a><a id="Tc_xm8f-j0Bok-uHKkU3lFBWg_2_2"></a><a id="Tc_S2rINC4h7EueNucV0rojjg_2_4"></a><a id="Tc_r3yVWf_lekmW5duD0OS5hw_3_0"></a><a id="Tc_Hk1Itg0gsE6PTPTegNrnUQ_4_0"></a><a id="Tc_sh_8xF45qkWrJmbsQEuWyg_5_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfDirectorsAndKeyManagementRemuneration" id="Tb_CdiztxeEdUyjSVnY2NIA_g" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;">31 Directors&#39; and key management remuneration</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Directors and key management are remunerated for services rendered in the period. The executive directors may participate in the company&#39;s long-term incentive plans, executive share option and sharesave schemes and details of their interests in the company&#39;s shares arising from their participation are given in the directors&#39; remuneration report. Details of the remuneration received by each director are also given in the directors&#39; remuneration report.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Key management comprises members of the NatWest Group plc and NWH Ltd Boards, members of the NatWest Group plc and NWH Ltd Executive Committees, and the Chief Executives of NatWest Markets Plc and RBS International (Holdings) Limited. This is on the basis that these individuals have been identified as Persons Discharging Managerial Responsibilities of NatWest Group plc under the new governance structure.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfInformationAboutDirectors" id="Tb_sFCwoCu1QkiVRtf_zWS2MA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;min-height:0.0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Directors&#39;&#160;remuneration</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;000</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;000</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-executive directors emoluments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NonExecutiveDirectorsMember_LR1c-AkvvUmkWkEBJOpepQ" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_J-E1rkcm7U6a6-y4ZYrKzw_3_2">1,641</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_NonExecutiveDirectorsMember_oxkT0z1jBkavJ7ZcDw7C9A" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_XhlXZnpTN0KCZnf99WVQ3g_3_4">1,708</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Chairman and executive directors emoluments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_ChairmanAndExecutiveDirectorsMember_FU0k3IFNsUuw5UeVTfv6xw" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_w2HVhm7Z5UmQDJ7vUO8j_w_4_2">4,688</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_nwg_ChairmanAndExecutiveDirectorsMember_DWgWBXY5y029YCe_KE8PLw" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_uynMnBmZN0KuqvOHLgJWpg_4_4">4,349</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_srt_DirectorMember_tucea8NW8U23cGjabLyI0w" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_fKMwA_VKlkW5Fo_4OC5SmQ_5_2">6,329</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_srt_DirectorMember_RO-vetoyYUO5ORzv2gCp2Q" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_I1T6Gko_gEWGw64bvJos9g_5_4">6,057</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amounts receivable under long-term incentive plans and share option plans</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_srt_DirectorMember_tucea8NW8U23cGjabLyI0w" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="Tc_zq0D7fOEN06L4Va3bcEPCQ_6_2">549</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_srt_DirectorMember_RO-vetoyYUO5ORzv2gCp2Q" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="Tc_dgsBo3YN10y31Dt8YGInHg_6_4">609</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" 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format="ixt:numdotdecimal" name="ifrs-full:DirectorsRemunerationExpense" scale="3" id="Tc_U68hDrv860S1BnUHC8ESzQ_7_4">6,666</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_srt_DirectorMember_RO-vetoyYUO5ORzv2gCp2Q" decimals="-6" format="ixt-sec:numwordsen" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="6" id="Narr_j990d3UyC0usts0PZ68EHg"><ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_srt_DirectorMember_tucea8NW8U23cGjabLyI0w" decimals="-6" format="ixt-sec:numwordsen" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="6" id="Narr_f_Y9lgepbUmINaK0kulkfw">No</ix:nonFraction></ix:nonFraction> directors accrued benefits under defined benefit schemes or defined contribution schemes during 2021 and 2020.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Compensation of key management</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The aggregate remuneration of directors and other members of key management during the year was as follows:</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;000</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Short-term benefits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_zil1TonIqUeIvIqIWUfADg_3_2">18,124</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" scale="3" id="Tc_Z3sAm4qArkS-Ih5DxCMYlA_3_4">18,718</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Post-employment benefits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="Tc_CirwbywAxkOJH_wClRuCOQ_4_2">380</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="Tc_W9y0Q4FIxEOABQsx9Y1yTA_4_4">474</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Share-based payments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="Tc_9bxSmG8IvkmTJG649bXT0A_5_2">2,491</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="Tc_2T4DsA8l0kqiV3g72vZHtA_5_4">3,249</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="Tc_y2Hr7XrHG02jmOAZIfvkYQ_6_2">20,995</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_1_1_2020_To_12_31_2020_zHl58U461U-DvgILaNIJ6A" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="Tc_7hn2KVu0QkKQDr7ROR4rxw_6_4">22,441</ix:nonFraction></p></td></tr></table></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">108</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a32Transactionswithdirectorsandkeymanage"></a><a id="_5a9220e3_5e18_437d_8b85_5a2730f2544b"></a><a id="Tc_h20IqHt66Ea6NsyQ7HGGCg_1_2"></a><a id="Tc_j8ddQg4sIEq0vIHmZxRx3w_1_4"></a><a id="Tc_SrIXM_CvaUKCAJDNWqmEKw_2_2"></a><a id="Tc_e52E10ssmka-SiocHXSzxg_2_4"></a><a id="Tc_W5jt0V81sUuhOQeiXs3fiw_3_0"></a><a id="Tc_tJkj5h4FxUi_ARp6Rc6iPA_4_0"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="nwg:DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement" id="Tb_x5NOO28zlk6AKBBtea7gCA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">32 Transactions with directors and key management</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 12pt 0pt;">This note presents information relating to any transactions with directors and key management. Key management comprises directors of the company and Persons Discharging Managerial Responsibilities (PDMRs) of NatWest Group plc.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">For the purposes of IAS 24 Related party disclosures, key management comprise directors of the company and PDMRs of NatWest Group plc. Key management have banking relationships with NatWest Group entities which are entered into in the normal course of business and on substantially the same terms, including interest rates and security, as for comparable transactions with other persons of a similar standing or, where applicable, with other employees. These transactions did not involve more than the normal risk of repayment or present other unfavourable features.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Amounts in the table below are attributed to each person at their highest level of NatWest Group key management.</p><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" id="Tb_ml-dJZFuQ0Cat6856fD7sA" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;000</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;000</p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_vPxhQ1ZG5U2c5So42oS6-g" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="3" id="Tc_cuyYWy7qG0mnUr_gWiYs-w_3_2">9,128</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_1hNjGEBO5UOuAP1eqmaAYg" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:LoansAndAdvancesToCustomers" scale="3" id="Tc_FQnogOhboE-YZkRDdUlU2Q_3_4">5,165</ix:nonFraction></p></td></tr><tr><td style="vertical-align:bottom;width:80.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_vPxhQ1ZG5U2c5So42oS6-g" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:DepositsFromCustomers" scale="3" id="Tc_qsuHLxvvFUOibPCHEpEcog_4_2">51,018</ix:nonFraction></b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"> <ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2020_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_1hNjGEBO5UOuAP1eqmaAYg" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:DepositsFromCustomers" scale="3" id="Tc_ofFw7zmsKEe06a7rxlTqPQ_4_4">45,747</ix:nonFraction></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">At 31 December 2021, amounts outstanding in relation to transactions, arrangements and agreements entered into by authorised institutions in NatWest Group, as defined in UK legislation, were &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_vPxhQ1ZG5U2c5So42oS6-g" decimals="-3" format="ixt:numdotdecimal" name="ifrs-full:AmountsReceivableRelatedPartyTransactions" scale="3" id="Narr_vhPhBpfNfUWatjgWroXhBg">7,023,190</ix:nonFraction> in respect of loans to <ix:nonFraction unitRef="Unit_Standard_director_n9rn2CPf40C8J08sJvMsNw" contextRef="As_Of_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_vPxhQ1ZG5U2c5So42oS6-g" decimals="INF" format="ixt-sec:numwordsen" name="nwg:NumberOfDirectorsWithOutstandingLoanBalance" scale="0" id="Narr_Id-An0kt3Ei0nwD_UrbMtQ">seven</ix:nonFraction> persons who were directors of the company at any time during the financial period.</p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><a id="a33Relatedparties_711140"></a><a id="_Hlk704053"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfRelatedPartyExplanatory" id="Tb__HNnBHYm80axsTgD5Hgezw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">33 Related parties</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">A related party is a person or entity that is related to the entity that is preparing its financial statements. Transactions between an entity and any related party are disclosed in the financial statements to ensure readers are aware of how financial statements may be affected by these transactions.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">UK Government</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The UK Government through HM Treasury is the ultimate controlling party of The NatWest Group plc. The UK Government&#39;s shareholding is managed by UK Government Investments Limited, a company wholly owned by the UK Government. As a result the UK Government and UK Government controlled bodies are related parties of the Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">At 31 December 2021, HM Treasury&#8217;s holding in the company&#8217;s ordinary shares was <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_dei_LegalEntityAxis_nwg_HmTreasuryMember_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_SubsidiariesMember_ifrs-full_SignificantInvestmentsInSubsidiariesAxis_nwg_NatwestGroupPlcMember_ds-E2bGmRUaicae94LHpOA" decimals="4" format="ixt:numdotdecimal" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="Narr_ftbp8i1x20y3zEg8ps-AmA">52.96</ix:nonFraction>%.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group enters into transactions with many of these bodies. Transactions include the payment of: taxes &#8211; principally UK corporation tax (Note 7) and value added tax; national insurance contributions; local authority rates; and regulatory fees and levies (including the bank levy (Note 3) and FSCS levy (Note 27) - together with banking transactions such as loans and deposits undertaken in the normal course of banker-customer relationships.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Bank of England facilities</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group may participate in a number of schemes operated by the Bank of England in the normal course of business. </p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Members of NatWest Group that are UK authorised institutions are required to maintain non-interest bearing (cash ratio) deposits with the Bank of England amounting to <ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" decimals="5" format="ixt:numdotdecimal" name="nwg:CashRatioDeposits" scale="-2" id="Narr_PGIz-j_u-UinISqEYkRo-A">0.406</ix:nonFraction>% of their average eligible liabilities in excess of &#163;<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_12_31_2021_zKEG9erxUkOonntK3iza3w" decimals="-6" format="ixt:numdotdecimal" name="nwg:ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit" scale="6" id="Narr_gBl9QwEaC0WA7lYO-DBppw">600</ix:nonFraction> million. They also have access to Bank of England reserve accounts: sterling current accounts that earn interest at the Bank of England Base rate.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group provides guarantees for certain subsidiaries liabilities to the Bank of England.</p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-family:'Arial','Helvetica','sans-serif';">Other related parties</span></p><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">In their roles as providers of finance, NatWest Group companies provide development and other types of capital support to businesses. These investments are made in the normal course of business. In some instances, the investment may extend to ownership or control over </span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="Duration_1_1_2021_To_12_31_2021_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_AssociatesMember_cSfu00tnkUO9MyuNpiKgNw" decimals="2" format="ixt:numdotdecimal" name="nwg:ExtendedInvestmentOwnershipVotingRightsOfInvestee" scale="-2" id="Narr_xRUeq8QPOkaW-kG0GzCjAw">20</ix:nonFraction>%</span><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;"> or more of the voting rights of the investee company. </span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">NatWest Group recharges NatWest Group Pension Fund with the cost of administration services incurred by it. The amounts involved are not material to NatWest Group. </span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">In accordance with IAS 24, transactions or balances between NatWest Group entities that have been eliminated on consolidation are not reported. </span></td></tr></table><table style="border-collapse:collapse;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Symbol';font-size:8.5pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">-</td><td style="padding:0pt;"><span style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-style:normal;font-weight:normal;">The captions in the primary financial statements of the parent company include amounts attributable to subsidiaries. These amounts have been disclosed in aggregate in the relevant notes to the financial statements. Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures, and gains on acquisitions.</span></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">109</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Notes to the consolidated financial statements continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="a34Postbalancesheetevents_921247"></a><ix:nonNumeric contextRef="Duration_1_1_2021_To_12_31_2021_6cViXOk6DUS5e3yi6Tjnnw" name="ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory" id="Tb_mCwWJhbuME2pvoJuSgfaQw" escape="true"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;font-size:12pt;">34 Post balance sheet events</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">A post balance sheet event is an event that takes place between 31 December 2021 (reporting date) and 17 February 2022 (date of approval of these financial statements). Significant events are included in the financial statements either to provide new information about conditions that existed at 31 December 2021, including estimates used to prepare the financial statements (known as an adjusting event) or to provide new information about conditions that did not exist at 31 December 2021 (non-adjusting events). This note provides information relating to material non-adjusting events.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 27 January 2022, NatWest Group announced that we will create a new franchise, Commercial and Institutional, bringing together our Commercial, NatWest Markets and RBS International businesses to form a single franchise, with common objectives, to best support our customers across the full non-personal customer lifecycle. Our reporting will follow this new structure from Q1 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Regulatory calls were announced as a result of the PRA determination that certain instruments can no longer be included as part of Tier 1 capital on a solo and/or consolidated basis after 31 December 2021:</p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">&#8211;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">On 1 February 2022, NatWest Group plc gave notice of redemption to holders of the USD Series U Non-Cumulative Dollar Preference Shares (ISIN US39057AA62). The notional outstanding of </span><span style="font-size:8pt;">$<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_31_2022_To_3_31_2022_ifrs-full_ClassesOfShareCapitalAxis_nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_srt_StatementScenarioAxis_srt_ScenarioForecastMember_oFZhfxG6r0-a9__8w4GRww" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments" scale="6" id="Narr_vT-frdJQWEqUDQa7nI6ANA">1,013</ix:nonFraction></span><span style="font-size:8pt;white-space:pre-wrap;"> million plus dividends for the current period to, but excluding the redemption date of 31 March 2022 will be paid to noteholders at par.  </span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">&#8211;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">On 1 February 2022, NatWest Group plc gave notice of redemption to holders of the </span><span style="font-size:8pt;">$<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="As_Of_2_1_2022_ifrs-full_BorrowingsByNameAxis_nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_1sc9KRcUFUaPVfnl6L8aBw" decimals="-6" format="ixt:numdotdecimal" name="ifrs-full:NotionalAmount" scale="6" id="Narr_uk8GMY9VMEiqace517mMyQ">1,200</ix:nonFraction></span><span style="font-size:8pt;"> million </span><span style="font-size:8pt;"><ix:nonFraction unitRef="Unit_Standard_pure_1IHWK9kankCSr9VnSA-xNA" contextRef="As_Of_2_1_2022_ifrs-full_BorrowingsByNameAxis_nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_1sc9KRcUFUaPVfnl6L8aBw" decimals="5" format="ixt:numdotdecimal" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="Narr_5YqbGAFiyky2cqPqyKtJPQ">7.648</ix:nonFraction>%</span><span style="font-size:8pt;"> dollar Perpetual Regulatory Tier One Security (ISIN US780097AH44). The notional outstanding of </span><span style="font-size:8pt;">$<ix:nonFraction unitRef="Unit_Standard_GBP_vnMdSQUcY0ue8NjRlTJaow" contextRef="Duration_3_2_2022_To_3_2_2022_ifrs-full_BorrowingsByNameAxis_nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_srt_StatementScenarioAxis_srt_ScenarioForecastMember_PBA8Mo3ZVUujYT380G4A4w" decimals="-5" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="Narr_wLq_Dr-qSEakUTZ0NtVttQ">67.5</ix:nonFraction></span><span style="font-size:8pt;"> million plus interest for the current period will be paid to noteholders at a make whole price calculated at least one business day prior to the redemption date of 3 March 2022. </span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 11 February 2022, NatWest Group plc gave notice to noteholders of the redemption of its &#8364;<ix:nonFraction unitRef="Unit_Standard_EUR_WZ0V8NZz00awthGjzaV7Uw" contextRef="Duration_3_8_2022_To_3_8_2022_ifrs-full_BorrowingsByNameAxis_nwg_FixedToFloatingRateNotesDue8March2023Member_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_srt_StatementScenarioAxis_srt_ScenarioForecastMember_s8Swpfy0q0ahDnZugkavqw" decimals="-8" format="ixt:numdotdecimal" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="9" id="Narr_KiDyTzIp5UyJg5MATksdHg">1.5</ix:nonFraction> billion Fixed to Floating Rate notes due 8 March 2023. The notes will be redeemed on the optional redemption date of 8 March 2022. Payment of principal and accrued interest will be settled upon redemption at par. The call is because the note will cease to be MREL eligible from 8 March 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Other than as disclosed in the accounts, there have been no other significant events between 31 December 2021 and the date of approval of these accounts which would require a change or additional disclosure.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></ix:nonNumeric><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt 0pt 10pt 0pt;"><span style="font-size:0pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">110</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Non-IFRS financial measures</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_0b643f94_a991_4f91_b259_c93b23473665"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Non-IFRS financial measures</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">1. Adjustment for notable items</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">NatWest Group prepares its financial statements in accordance with generally accepted accounting principles (GAAP). This document contains a number of adjusted or alternative performance measures, also known as non-GAAP or non-IFRS performance measures. These measures are adjusted for notable and other defined items which management believe are not representative of the underlying performance of the business and which distort period-on-period comparison. The non-IFRS measures provide users of the financial statements with a consistent basis for comparing business performance between financial periods and information on elements of performance that are one-off in nature. The non-IFRS measures also include the calculation of metrics that are used throughout the banking industry. These non-IFRS measures are not measures within the scope of IFRS and are not a substitute for IFRS measures.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Go-forward group income excluding notable items is calculated as total income excluding Ulster Bank RoI total income and excluding notable items. UK and RBSI retail and commercial businesses total income excluding notable items comprises income in the Retail Banking, Commercial Banking, Private Banking and RBS International operating segments excluding notable items.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">The exclusion of notable items aims to remove the impact of one-offs which may distort period-on-period comparisons.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 8 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,512</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,508</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,987</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less Ulster Bank RoI total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (228)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (222)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (301)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Go-forward group income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,284</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,286</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,686</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less notable items</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (210)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 384</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,115)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Go-forward group total income excluding notable items</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,074</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,670</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11,571</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Retail Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,445</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,181</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,866</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Private Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 816</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 777</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Commercial Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,875</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,958</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,318</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">RBS International</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 548</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 497</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 610</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK and RBSI retail and commercial businesses income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,684</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,399</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,571</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less notable items (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (64)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 87</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (33)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">UK and RBSI retail and commercial businesses income excluding notable items</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,620</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,486</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,538</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated financial statements.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">For details of UK and RBSI retail and commercial businesses notable items refer to page 11.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">2. Adjustment for asset disposals/strategic risk reductions and own credit adjustments</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">NWM total income excluding asset disposals/strategic risk reductions and own credit adjustments (OCA) is calculated as total income of the NWM business less asset disposals/strategic risk reductions and OCA.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This aims to show underlying income generation in NWM excluding the impact of disposal losses and OCA.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 19 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:70.68%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:70.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:70.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NWM total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 415</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,123</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,342</span></p></td></tr><tr><td style="vertical-align:bottom;width:70.68%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less asset disposals/strategic risk reduction</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 64</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 83</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:70.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less OCA</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (6)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 24</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 80</span></p></td></tr><tr><td style="vertical-align:bottom;width:70.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">NWM total income excluding asset disposals/ strategic risk reductions and OCA</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 473</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,230</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,422</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">111</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Non-IFRS financial measures continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">3. Operating expenses - management view</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">The management analysis of operating expenses shows strategic costs and litigation and conduct costs in separate lines. Depreciation and amortisation, and other administrative expenses attributable to these costs are included in strategic costs and litigation and conduct costs lines for management analysis. These amounts are included in staff, premises and equipment and other administrative expenses in the statutory analysis.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Other expenses excludes strategic costs and litigation and conduct costs, which are more volatile and may distort comparisons with prior periods.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 12 for further details.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><b style="color:#41145f;font-weight:bold;">Statutory analysis</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:29.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year&#160;ended</b></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2020&#160;(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2019&#160;(1)</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating expenses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Staff expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,676</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,878</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,976</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Premises and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,133</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,222</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,258</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other administrative expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,026</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,845</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,828</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 923</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 913</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,218</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,758</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,858</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,280</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><b style="color:#41145f;font-weight:bold;">Non-statutory analysis</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:36.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year&#160;ended</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:36.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December&#160;2021</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Litigation</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Statutory</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Strategic</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">and&#160;conduct</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">operating</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating expenses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">costs</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">costs</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">expenses</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">expenses</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Staff expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 411</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,265</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,676</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Premises and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 103</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,030</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,133</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other administrative expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 133</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 466</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,427</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,026</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 140</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 783</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 923</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 787</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 466</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6,505</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,758</b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:36.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">31&#160;December&#160;2020&#160;(1)</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Litigation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Statutory</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Strategic</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">and&#160;conduct</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">operating</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating expenses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">expenses</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Staff expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 462</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,416</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,878</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Premises and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 233</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 989</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,222</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other administrative expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 197</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 113</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,535</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,845</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 121</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 792</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 913</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,013</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 113</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,732</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,858</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:36.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">31&#160;December&#160;2019&#160;(1)</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Litigation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Statutory</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Strategic</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">and&#160;conduct</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">operating</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Operating expenses</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">expenses</p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Staff expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 451</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,525</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,976</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Premises and equipment</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 239</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,019</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,258</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other administrative expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 295</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 895</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,638</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,828</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Depreciation and amortisation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 396</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 822</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,218</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,381</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 895</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,004</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.72%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,280</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#42145f;font-size:9pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">112</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Non-IFRS financial measures continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">4. Other expenses excluding operating lease depreciation (OLD) and Ulster Bank RoI direct costs</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Our cost target for 2021 is based on this measure and we track progress against this.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 12 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2020&#160;(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">2019&#160;(1)</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,758</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,858</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,280</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less strategic costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (787)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,013)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,381)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less litigation and conduct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (466)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (113)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (895)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6,505</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,732</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,004</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less OLD</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (140)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (145)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (138)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other expenses excluding OLD</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6,365</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,587</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,866</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less Ulster Bank RoI direct costs</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (273)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (239)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (247)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Other expenses excluding OLD and Ulster Bank RoI direct costs</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6,092</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,348</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,619</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:6pt;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated financial statements.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:1.25pt;margin:0pt;"><span style="color:#42145f;">5. Cost:income ratio</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">The cost:income ratio is calculated as total operating expenses less OLD divided by total income less OLD.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This is a common metric used to compare profitability across the banking industry, although different banks may calculate the rate differently.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to pages 8 and 15 to 19 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="13" style="vertical-align:bottom;white-space:nowrap;width:51.13%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Go-forward&#160;group</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Central</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">excluding</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Retail</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Private</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Commercial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">RBS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">items</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Ulster</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">International</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Markets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&amp;&#160;other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Bank&#160;RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Bank&#160;RoI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Group</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year ended 31 December 2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,513)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (520)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,354)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (242)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1,161)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (486)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (7,276)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (482)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (7,758)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease depreciation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 140</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 140</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 140</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,513)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (520)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,214)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (242)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1,161)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (486)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (7,136)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (482)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (7,618)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,445</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 816</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,875</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 548</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 415</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 185</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,284</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 228</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,512</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease depreciation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (140)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (140)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (140)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,445</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 816</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,735</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 548</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 415</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 185</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,144</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 228</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,372</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 56.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 63.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 59.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 44.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 279.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 70.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">nm</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 73.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#003366;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Year ended 31 December 2020 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,540)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (455)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,430)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (291)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,310)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (391)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,417)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (441)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,858)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease depreciation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 145</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 145</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 145</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,540)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (455)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,285)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (291)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,310)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (391)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,272)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (441)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (7,713)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,181</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,958</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 497</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,123</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (236)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,286</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 222</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,508</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease depreciation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (145)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (145)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (145)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,181</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,813</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 497</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,123</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (236)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,141</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 222</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,363</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 60.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 59.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 59.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 58.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 116.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 71.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 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style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3,618)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (486)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,600)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (264)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,418)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (384)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (8,770)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (510)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9,280)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease depreciation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 138</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 138</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 138</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted operating expenses</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3,618)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (486)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,462)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (264)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,418)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (384)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (8,632)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (510)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9,142)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,866</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 777</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,318</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 610</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,342</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,773</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,686</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 301</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,987</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating lease depreciation</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (138)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (138)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (138)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted total income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,866</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 777</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,180</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 610</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,342</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,773</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,548</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 301</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,849</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:32.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost:income ratio</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 74.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 62.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.36%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 58.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 105.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 63.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">nm</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 66.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated financial statements.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:6pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">113</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Non-IFRS financial measures continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">6. NatWest Group return on tangible equity</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Return on tangible equity comprises profit or loss for the period attributable to ordinary shareholders divided by average tangible equity. Average tangible equity is average total equity excluding non-controlling interests (NCI) less average intangible assets and average other owners<span style="font-family:'RN House Sans Regular';">&#8217;</span> equity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Go-forward group return on tangible equity is calculated as profit or loss for the period less Ulster Bank RoI loss from continuing operations and less profit from discontinued operations divided by go-forward group total tangible equity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This measure shows the return NatWest Group generates on tangible equity deployed. It is used to determine relative performance of banks and used widely across the sector, although different banks may calculate the rate differently.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to pages 8 and 14 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:21.13%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year&#160;ended&#160;or&#160;as&#160;at</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">NatWest Group return on tangible equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) attributable to ordinary shareholders (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,950</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (753)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average total equity (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 42,727</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43,774</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjustment for other owners equity and intangibles (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (11,395)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11,872)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted total tangible equity (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 31,332</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31,902</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on tangible equity (%)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Go-forward group return on tangible equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Profit/(loss) attributable to ordinary shareholders (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,950</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (753)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less Ulster Bank RoI loss from continuing operations (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 255</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 495</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less profit from discontinued operations (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (276)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (121)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Go-forward group profit/(loss) attributable to ordinary shareholders (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,929</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (379)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average total equity (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 42,727</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43,774</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjustment for other owners equity and intangibles (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (11,395)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11,872)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted total tangible equity (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 31,332</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31,902</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Go-forward group RWAe applying factor (%)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 93</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 93</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Go-forward group total tangible equity (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 29,139</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 29,669</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:75%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on tangible equity (%)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:9pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:9pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:9pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">114</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Non-IFRS financial measures continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">7. Segmental return on equity</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Segmental return on equity comprises segmental operating profit or loss, adjusted for preference share dividends and tax, divided by average notional tangible equity, allocated at an operating segment specific rate of the period average segmental risk- weighted assets, incorporating the effect of capital deductions (RWAes).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This measure shows the return generated by operating segments on equity deployed.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to pages 15 to 19 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Retail</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Private</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Commercial</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">RBS</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">NatWest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year ended 31 December 2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Banking</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">International</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Markets</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,968</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 350</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,594</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 358</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (711)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Preference share cost allocation (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (79)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (21)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (154)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (20)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (63)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjustment for tax (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (529)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (92)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (683)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (59)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 217</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted attributable profit/(loss) (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,360</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 237</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,757</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 279</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (557)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average RWAe (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 36.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 69.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 28.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equity factor</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 12.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 16.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">RWAe applying equity factor (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 26.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 17.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (13.1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Year ended 31 December 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 849</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 208</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (399)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 99</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (227)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Preference share cost allocation (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (88)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (22)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (153)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (20)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (68)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjustment for tax (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (213)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (52)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 155</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 83</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted attributable profit/(loss) (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 548</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 134</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (397)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 68</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (212)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average RWAe (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 37.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 76.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 37.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equity factor</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">RWAe applying equity factor (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4.5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3.8)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Year ended 31 December 2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 855</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 297</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,327</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 344</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (25)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjustment for tax (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (236)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (83)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (372)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (48)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Preference share cost allocation (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (74)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (18)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (163)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (11)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (64)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjustment for Alawaal bank merger gain (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (150)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Adjusted attributable profit/(loss) (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 545</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 196</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 792</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 285</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (232)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average RWAe (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 37.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 78.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 48.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Equity factor</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">RWAe applying equity factor (&#163;bn)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Return on equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 25.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.16%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3.2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">8. Tangible equity</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Tangible equity is ordinary shareholders<span style="font-family:'RN House Sans Regular';">&#8217;</span> interest less intangible assets. TNAV per ordinary share is calculated as tangible equity divided by the number of ordinary shares in issue.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This is a measure used by external analysts in valuing the bank and the starting point for calculating regulatory capital.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 8 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:21.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year&#160;ended</b></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shareholders&#8217; interests (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 37,412</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 38,367</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less intangible assets (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (6,723)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6,655)</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Tangible equity (&#163;m)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 30,689</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31,712</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shares in issue (millions)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11,272</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12,129</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">TNAV per ordinary share (pence)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">272p</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">261p</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">115</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Non-IFRS financial measures continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">9. Net interest margin</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Bank net interest margin is defined as net interest income of the banking business of the Go-forward group less NatWest Markets (NWM) element and&#160;excluding liquid asset buffer, as a percentage of bank average interest-earning assets. Bank average interest earning assets are the average interest earning assets of the banking business of the Go-forward group less NWM element and excluding liquid asset buffer.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">The exclusion of the NWM element aims to eliminate the impact of distorting volatility in NWM. The exclusion of the Ulster Bank RoI from the aims to align the basis of calculation with prior periods.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Liquid asset buffer consists of assets held by NatWest Group, such as cash and balances at central banks and debt securities in issue, that can be used to ensure repayment of financial obligations as they fall due.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">The exclusion of liquid asset buffer has been introduced as a way to present net interest margin on a basis more comparable with UK peers and exclude the impact of regulatory driven factors.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to pages 8 and 14 to 18 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:27.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Year&#160;ended</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Continuing operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group net interest income (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,614</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,476</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,799</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less NWM net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (9)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 57</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 188</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less Ulster Bank RoI net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (100)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (122)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (152)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank net interest income</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,505</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,411</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,835</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average interest earning assets (IEA)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 524,886</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 483,719</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 439,994</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less NWM average IEA</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (32,730)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (37,929)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (35,444)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less Ulster Bank RoI average IEA</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (15,854)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (16,600)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (16,538)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less liquid asset buffer average IEA&#160;(1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (162,195)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (127,945)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (106,925)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank average IEA</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 314,107</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 301,245</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 281,087</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank net interest margin&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.39</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.46</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.79</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:9pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated financial statements.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:6pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">116</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Non-IFRS financial measures continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:1.25pt;margin:0pt;"><span style="color:#42145f;">10. Net lending</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">NatWest Group net lending is calculated as total loans to customers less loan impairment provisions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Go-forward group net lending is calculated as net loans to customers less Ulster Bank RoI net loans to customers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">UK and RBSI retail and commercial businesses net lending excluding UK Government support schemes comprises customer loans in the Retail Banking, Commercial Banking, Private Banking and RBS International operating segments, excluding UK Government support schemes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This is the basis of our lending target for our key retail and commercial businesses.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to pages 8 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:21.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">As&#160;at</b></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 362.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 366.5</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less loan impairment provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (3.8)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (6.0)</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Net loans to customers (amortised cost)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 359.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 360.5</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less Ulster Bank RoI net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (6.7)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (18.0)</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Go-forward group net lending</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 352.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 342.5</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;Retail Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 182.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 172.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;Private Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17.0</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;Commercial Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 101.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 108.2</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;RBS International</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK and RBSI retail and commercial businesses net loans to customers (amortised cost)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 317.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 310.8</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less UK Government support schemes</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (11.6)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (12.9)</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total UK and RBSI retail and commercial businesses net lending excluding UK Government support schemes</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 305.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 297.9</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">11. Customer deposits</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:7.5pt;background:#f2f2f2;margin:0pt;">Go-forward group customer deposits is calculated as total customer deposits less Ulster Bank RoI customer deposits.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:7.5pt;background:#f2f2f2;margin:0pt;">UK and RBSI retail and commercial businesses customer deposits comprises customer deposits in the Retail Banking, Commercial Banking, Private Banking and RBS International operating segments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:7.5pt;background:#f2f2f2;margin:0pt;">This metric is used to show underlying deposit movements across our key retail and commercial businesses.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 7.5pt 0pt;">Refer to pages 8 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:21.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">As&#160;at</b></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;bn</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 479.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 431.7</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Less Ulster Bank RoI customer deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (18.4)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (19.6)</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Go-forward group customer deposits</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 461.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 412.1</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Retail Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 188.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 171.8</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Private Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 39.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32.4</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Commercial Banking</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 177.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 167.7</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">RBS International</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 37.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total UK and RBSI retail and commercial businesses customer deposits</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 443.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 403.2</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 1.25pt 0pt;"><span style="font-size:9pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">12. Total operating profit before tax including discontinued operations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Given the current progress of the phased withdrawal from the Republic of Ireland, Ulster Bank RoI results are currently presented in both continuing and discontinued operations. Including operating profit before tax from discontinued operations provides a complete view of the NatWest Group operating profit in 2021.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit/(loss) before tax</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,032</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (481)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,983</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Operating profit before tax from discontinued operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 279</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 130</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 249</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Total operating profit including discontinued operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,311</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (351)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,232</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">117</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Non-IFRS financial measures continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_7dba39b3_cac7_4632_a9d7_8ad442e46e80"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Performance metrics not defined under IFRS</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Metrics based on GAAP measures, included as not defined under IFRS and reported for compliance with European Securities and Markets Authority (ESMA) adjusted performance measure rules.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">1. Loan:deposit ratio</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Loan:deposit ratio is calculated as net customer loans held at amortised cost divided by total customer deposits.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This is a common metric used among peers to assess liquidity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 13 for further details.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:67.11%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.4%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:67.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:29.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">As&#160;at</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:67.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">31&#160;December</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">31&#160;December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:67.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:67.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:67.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - amortised cost&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 358,990</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 360,544</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 326,947</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:67.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 479,810</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 431,739</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.4%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 369,247</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:67.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan:deposit ratio (%)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 75</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 84</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.4%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 89</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">2. Loan impairment rate</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Loan impairment rate is the loan impairment charge divided by gross customer loans.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to pages 8 and 14 to 18 for further details.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;text-align:justify;margin:0pt;"><span style="color:#42145f;">3. Funded assets</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Funded assets is calculated as total assets less derivative assets.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This measure allows review of balance sheet trends exclusive of the volatility associated with derivative fair values.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to pages 19 and 20 for further details.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">4. AUMAs</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">AUMA comprises both assets under management (AUMs) and assets under administration (AUAs) serviced through the Private Banking franchise. AUMs comprise assets where the investment management is undertaken by Private Banking on behalf of Private Banking, Retail Banking and RBSI customers. AUAs comprise third party assets held on an execution-only basis in custody by Private Banking, Retail Banking and RBSI for their customers accordingly, for which the execution services are supported by Private Banking. Private Banking receives a fee for providing investment management and execution services to Retail Banking and RBSI franchises.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Private&#160;Banking&#160;is the Centre of Expertise for asset management across NatWest Group, servicing all client segments across Retail, Premier and Private Banking.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 16 for further details.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">5. Depositary assets</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Assets held by RBSI as an independent trustee and in a depositary service capacity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Depositary assets are a closely monitored KPI for the RBS International business and its inclusion in commentary highlights the services that RBS International provides.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 18 for further details.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;padding-bottom:2pt;margin:0pt;"><span style="color:#42145f;">6. Wholesale funding</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">Wholesale funding comprises deposits by banks, debt securities in issue and subordinated liabilities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-bottom:10pt;background:#f2f2f2;margin:0pt;">This is a closely monitored metric used across the banking industry to ensure capital requirements are being met.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;background:#f2f2f2;margin:0pt 0pt 10pt 0pt;">Refer to page 8 for further details..</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">118</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Additional information</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_d707a226_eb43_4ec7_b22f_6e0b8f589b4a"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:90%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:10%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td></tr><tr style="height:10.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">Page</p></td></tr><tr style="height:10.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#AdoptionofIFRS9_361664"><span style="font-style:normal;font-weight:normal;">Adoption of IFRS 9</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">120</span></p></td></tr><tr style="height:10.25pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Financialsummary_371378"><span style="font-style:normal;font-weight:normal;">Financial summary</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">120</span></p></td></tr><tr style="height:10.2pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Exchangerates_76978"><span style="font-style:normal;font-weight:normal;">Exchange rates</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">134</span></p></td></tr><tr style="height:10.25pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#ADRpaymentinformation_632189"><span style="font-style:normal;font-weight:normal;">ADR payment information</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">135</span></p></td></tr><tr style="height:10.25pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#PrincipalRisksandUncertainties_85773"><span style="font-style:normal;font-weight:normal;">Risk factors</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">136</span></p></td></tr><tr style="height:10.2pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Descriptionofpropertyandequipment_474884"><span style="font-style:normal;font-weight:normal;">Description of property and equipment</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">158</span></p></td></tr><tr style="height:10.25pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Majorshareholders_207957"><span style="font-style:normal;font-weight:normal;">Major shareholders</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">158</span></p></td></tr><tr style="height:10.2pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#OurCodeofconduct_515192"><span style="font-style:normal;font-weight:normal;">Our code of conduct</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">158</span></p></td></tr><tr style="height:10.25pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Iransanctionsandrelateddisclosures_51629"><span style="font-style:normal;font-weight:normal;">Iran sanctions and related disclosures</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">158</span></p></td></tr><tr style="height:11pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Supervision_679911"><span style="font-style:normal;font-weight:normal;">Supervision</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">159</span></p></td></tr><tr style="height:10.2pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="font-size:8pt;" href="#Materialcontracts"><span style="font-style:normal;font-weight:normal;">Material contracts</span></a></p></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">160</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt 0pt 10pt 0pt;"><span style="font-size:0pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">119</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Additional information</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_fa4da262_97e7_482d_9115_b7a1546f8dde"></a><a id="AdoptionofIFRS9_361664"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Adoption of IFRS 9</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">Following the adoption of IFRS 9, certain disclosures in this section cover comparative periods only. Comparatives are presented on an IAS 39 basis. For current year disclosures in relation to loans and credit metrics refer to the Capital and risk management &#8211; Credit risk section.</p><a id="Financialsummary_371378"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Financial summary</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 8pt 0pt;">The geographic analysis, including the average balance sheet and interest rates, changes in net interest income and average interest rates, yields, spreads and margins in this report have generally been compiled on the basis of location of office - UK and overseas - unless indicated otherwise. &#8216;UK&#8217; in this context includes transactions conducted through the offices in the UK which service international banking transactions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Analysis of loans and advances to customers</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table analyses gross loans to customers by remaining maturity, geographical area (location of office) and type of customer.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">UK</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central and local government</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,609</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 30,191</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Residential mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 147,399</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Personal lending</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14,145</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Property</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32,327</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Construction</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,658</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Manufacturing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,333</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Service industries and business activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 49,132</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Agriculture, forestry and fishing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,428</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance leases and instalment credit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11,670</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Accrued interest</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 291</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 305,183</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Overseas</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 497</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Rest of the World</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21,318</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21,815</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Reverse repos</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 20,906</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5,797</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Rest of the World</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26,735</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - gross</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 353,733</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loan impairment provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3,814)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - net</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 349,919</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fixed rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-top:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 132,174</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Variable rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 194,824</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26,735</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers - gross</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 353,733</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group provides credit facilities at variable rates to its corporate and retail customers. Variable rate credit extended to NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s corporate and commercial customers includes bullet and instalment loans, finance lease agreements and overdrafts; interest is generally charged at a margin over a benchmark rate such as LIBOR or base rate. Interest on variable rate retail loans may also be based on LIBOR or base rate; other variable rate retail lending is charged at variable interest rates set by NatWest Group such as its mortgage standard variable rate in the UK.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">120</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Yields, spreads and margins of the banking business</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Gross yield on interest-earning assets of the banking business (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.74</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.01</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.51</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cost of interest-bearing liabilities of the banking business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.43)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.69)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.10)</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest spread of the banking business (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.31</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.32</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.41</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Benefit from interest-free funds</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.14</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.23</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.36</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin of the banking business (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.45</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.55</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.77</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Gross yield (1,4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- Group</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.74</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.01</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.51</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.86</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.14</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.71</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.38</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.53</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.39</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest spread (2,4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- Group</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.31</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.32</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.41</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.42</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.42</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.56</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.07</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.45</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.14</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Net interest margin (3,4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- Sterling</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.45</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.55</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.77</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.56</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.63</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.91</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">- Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.27</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.50</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.27</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group plc base rate (average)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.50</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.75</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Gross yield is the interest earned on average interest-earning assets of the banking book.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Interest spread is the difference between the gross yield and the interest rate paid on average interest-bearing liabilities of the banking business.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(3)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Net interest margin is net interest income of the banking business as a percentage of interest-earning assets (IEA) of the banking business. Bank net interest margin as reported elsewhere in the document is net interest income of the banking business less the NatWest Markets (NWM) element as a percentage of interest-earning assets of the banking business less the NWM element. Refer to the Non-IFRS financial measures section for details of the basis of preparation.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(4)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">The analysis into UK and overseas has been compiled on the basis of location of office.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.2pt;text-indent:-14.2pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">121</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Average balance sheet and related interest</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:20.11%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:20.92%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Average</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Average</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">balance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Interest</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">balance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Interest</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;&#160;&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Rate</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Loans to banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 124,092</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 307</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.25</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 92,811</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 342</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.37</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 31,389</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (39)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.12)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 20,036</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (60)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.30)</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Loans to customers</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 311,876</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8,388</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.69</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 301,810</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,729</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.89</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8,987</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 198</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.21</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12,106</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 255</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.11</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 44,301</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 241</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.54</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 52,006</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 470</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.90</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,242</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.27</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,950</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.04</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Interest-earning assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 480,268</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8,936</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.86</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 446,627</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,541</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.14</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 44,618</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 171</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.38</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 37,092</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 197</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.53</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Total interest-earning assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-banking business (1,2,4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 524,886</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,107</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.74</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 483,719</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,738</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.01</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-trading business (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 71,625</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 88,757</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Interest-earning assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 596,511</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 572,476</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Non-interest-earning assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 152,841</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 226,747</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Total assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 749,352</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 799,223</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Percentage of assets applicable to overseas operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11.91</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11.01</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,862</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 40</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.82</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,800</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 134</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.97</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,909</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (13)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.45)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,501</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (46)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.84)</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Customer deposits: demand</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 98,011</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 16</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.02</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 83,507</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 61</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.07</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,139</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,113</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.81)</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Customer deposits: savings</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 154,236</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 348</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.23</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 139,181</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 665</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.48</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,630)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 27</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1.03)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,014</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.14</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Customer deposits: other time</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,256</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 134</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.45</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14,085</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 166</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.18</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,670</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.04</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,969</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 23</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.46</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Other financial liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 42,833</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 654</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.53</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 44,477</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 836</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.88</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,131</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.36</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,794</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.01)</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,973</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 249</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3.12</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,003</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 370</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.70</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 378</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4.72</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (36)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (88.89)</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Internal funding of trading business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,098</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.01</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,046</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.24</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1,047)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.08)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4,878)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Interest-bearing liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 327,270</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,442</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.44</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 313,099</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,251</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.72</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 16,550</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 50</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.31</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12,477</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.08</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Total interest-bearing liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-banking business (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 343,820</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,492</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.43</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 325,576</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,261</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.69</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 98,562</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Interest-bearing liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 402,916</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">424,138</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Non-interest-bearing liabilities:</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Demand deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 169,717</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 138,751</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6,859</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,315</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Other liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 127,144</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 184,273</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 42,716</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43,746</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Total liabilities and equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 749,351</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 799,223</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:37.29%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Percentage of liabilities applicable to overseas operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8.46</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8.79</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">For the notes to the table refer to the following page.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">122</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Average balance sheet and related interest continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:21.29%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">Average</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">balance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">Interest</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">Rate</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 67,441</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 784</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.16</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21,297</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (122)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.57)</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 278,497</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,284</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.33</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12,318</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 230</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.87</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 56,321</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 814</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.45</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,122</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 40</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.97</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Interest-earning assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 402,259</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,882</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.71</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 37,737</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 148</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.39</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Total interest-earning assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-banking business (1,2,4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 439,996</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11,030</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.51</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-trading business (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 97,143</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest-earning assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 537,139</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest-earning 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 183,925</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Total assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 721,064</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Percentage of assets applicable to overseas operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11.73</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15,479</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 290</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.87</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,681</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (35)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2.08)</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits: demand</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 75,937</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 165</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.22</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,080</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.46)</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits: savings</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 126,187</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 801</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.63</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,450</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.17</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits: other time</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17,178</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 240</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.40</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,071</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.25</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 41,762</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,092</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.62</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,225</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.88</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,076</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 442</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.87</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 190</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 41</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21.58</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Internal funding of trading business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (9,307)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 156</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1.68)</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,963</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.40</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Interest-bearing liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 276,312</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,186</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.15</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17,660</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 45</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.25</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Total interest-bearing liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-banking business (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 293,972</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,231</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.10</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-trading business (3)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 112,900</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Interest-bearing liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 406,872</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-interest-bearing liabilities:</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Demand deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 128,288</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,337</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 133,052</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total equity</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 45,515</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Total liabilities and equity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 721,064</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:58.76%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Percentage of liabilities applicable to overseas operations</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:16.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13.00</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.64%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Interest receivable and interest payable have both been decreased by </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">206 million (2020 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">60 million decrease; 2019 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">97 million decrease) in respect of negative interest relating to financial assets that attracted negative interest.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Interest receivable includes </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">494 million (2020 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">350million; 2019 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">184 million) in respect of loan fees forming part of the effective interest rate of loans and receivables.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(3)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Interest receivable and interest payable on trading assets and liabilities are included in income from trading activities.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(4)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Interest receivable includes amounts (unwind of discount) recognised on impaired loans and receivables. 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<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Average loans</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table shows net charge-offs during the period to average loans outstanding.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="7" style="vertical-align:bottom;white-space:nowrap;width:29.82%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Personal</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="9" style="vertical-align:bottom;white-space:nowrap;width:39.37%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Wholesale</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Credit</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Other</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Mortgages</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">cards</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">personal</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Property</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Corporate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">FI</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Sovereign</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Average loans (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 194,935</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,651</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8,866</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 207,453</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 33,491</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 76,743</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 95,927</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,907</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 210,067</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 417,520</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Provision charges/(releases)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(58)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(14)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 30</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(42)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(477)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(724)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(38)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(1,236)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(1,278)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">As a % of average loans during the year</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total provisions charged/(released)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">to income statement</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.03)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.38)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.34</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.02)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1.42)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.94)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.04)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.08</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.59)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.31)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Average loans (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 182,151</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,836</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,325</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 195,312</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 35,925</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 81,698</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 107,769</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,058</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 228,450</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 423,763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Provision charges/(releases)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 276</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 191</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 422</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 889</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 733</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,407</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 95</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,242</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,131</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">As a % of average loans during the year</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total provisions charged/(released)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">to income statement</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.15</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.98</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.53</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.46</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.04</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.72</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.09</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.23</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.98</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.74</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Average loans (&#163;m)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 168,426</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,274</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,969</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 182,668</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 34,929</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 75,429</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 102,466</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,193</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 216,017</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 398,685</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Provision charges/(releases)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 104</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 253</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 384</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 35</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 307</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">(4)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 340</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 724</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.05%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">As a % of average loans during the year</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total provisions charged/(released)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:17.28%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">to income statement</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.02</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.43</span></p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.21</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">%</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.06</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.16</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.18</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Net average loans have decreased by &#163;6.2 billion compared with 2020 primarily due to a &#163;12 billion decrease in loans to financial institutions driven by a decline in cash collateral placed against derivative liabilities reflecting reduced market volatility during 2021, along with a sharp decline in derivative liabilities during the year. In addition, corporate and property loans decreased by &#163;5 billion and &#163;2.4 billion respectively, mainly reflecting UK Government financial support scheme repayments and targeted sector reductions in Real Estate. This was partially offset by a &#163;12.8 billion increase in mortgages reflecting continued strong mortgage demand.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">2020 included large increases in impairments in response to the COVID-19 pandemic. 2021 has been more favourable and many of the provisions created have now released in part, or in full, back to the income statement therefore providing an improved ECL.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">124</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Loans by contractual maturity</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table analyses loans by category, contractual maturity and interest type.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Less than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">More than</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;white-space:nowrap;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1 year</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1-5 Years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">5-15 years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">15 years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Personal</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,446</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 39,913</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 80,633</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 61,541</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 192,533</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Credit cards</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 347</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,146</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,356</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 881</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,730</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">Other personal</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,112</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,840</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 794</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 316</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,062</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Wholesale</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><span style="white-space:pre-wrap;"> Property</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 12,729</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11,053</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,138</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,028</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 30,948</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><span style="white-space:pre-wrap;"> Financial institutions</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 77,262</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,826</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 658</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 327</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 86,073</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><span style="white-space:pre-wrap;"> Sovereign</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,877</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 494</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 493</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 134</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,998</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">&#160;Corporate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 37,116</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 26,591</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,647</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,743</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 75,097</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 148,889</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 90,863</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 96,719</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 68,970</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 401,441</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">of which:</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Amortised cost</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">&#160;Fixed interest rates</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 45,212</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 48,298</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 75,689</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 58,983</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 228,182</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">Variable interest rates</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 65,902</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 41,970</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 20,728</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,890</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 139,881</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Trading assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">&#160;Fixed interest rates</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18,707</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 121</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18,828</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">&#160;Variable interest rates</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14,965</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 187</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 223</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 15,375</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Other financial assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">Fixed interest rates</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 41</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 16</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 72</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 80</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 209</b></p></td></tr><tr><td style="vertical-align:bottom;width:57.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;"><i style="font-style:italic;">Variable interest rates</i></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 62</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 271</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.55%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 17</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.81%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.65%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 357</b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">125</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Analysis of change in net interest income - volume and rate analysis</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Volume and rate variances have been calculated based on movements in average balances over the period and changes in interest rates on average interest-earning assets and average interest-bearing liabilities. Changes due to a combination of volume and rate are allocated pro rata to volume and rate movements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:20.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;">2021 over 2020 - statutory</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:20.95%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2020 over 2019 - statutory</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:20.94%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">(Decrease)/increase due to changes in:</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:20.95%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">(Decrease)/increase due to changes in:</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Average&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Average</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Net</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Average&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Average</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Net</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">volume&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">change</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">volume&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">change</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Interest-earning assets</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 96</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (131)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (35)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 222</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (664)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (442)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (25)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 46</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 21</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 55</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 62</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans to customers</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 282</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (623)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (341)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 735</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,290)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (555)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (68)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 12</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (57)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 29</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 25</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial assets</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (62)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (167)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (229)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (58)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (286)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (344)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;&#160;Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (45)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (38)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total interest receivable of the banking business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 316</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (921)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (605)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 899</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,240)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,341)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (93)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 68</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (26)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 39</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 49</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 223</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (853)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (631)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 909</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (2,201)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,292)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Interest-bearing liabilities</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bank deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 76</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 94</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 29</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 127</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 156</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (39)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (33)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (4)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits: demand</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (8)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 53</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 45</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (16)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 120</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 104</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (17)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (9)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits: savings</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (65)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 382</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 317</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (73)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 209</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 136</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (15)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (17)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customer deposits: other time</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 65</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (33)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 32</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 40</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 34</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 74</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (3)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 24</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 21</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (10)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (13)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other financial liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 30</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 152</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 182</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (68)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 324</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 256</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (16)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (16)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Subordinated liabilities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 68</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 53</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 121</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (42)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 114</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 72</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 13</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Internal funding of trading business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (4)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 18</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 85</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 52</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 137</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total interest payable of the banking business</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 162</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 647</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 809</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (45)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 980</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 935</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 23</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (63)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (41)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 35</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 185</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 584</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 769</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (26)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 996</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 970</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Movement in net interest income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</span>UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 478</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (274)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 204</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 854</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,260)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (406)</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</span>Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (70)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (67)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 29</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 55</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 84</span></p></td></tr><tr><td style="vertical-align:bottom;width:54.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.73%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.81%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 408</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (269)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 138</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 883</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,205)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.74%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.82%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (322)</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">126</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Loan impairment provisions</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For details of the factors considered in determining the amount of provisions, refer to the accounting policy on page 38 and <span style="font-family:'RN House Sans Regular';">&#8216;</span>Critical accounting policies and key sources of estimation uncertainty<span style="font-family:'RN House Sans Regular';">&#8217;</span> on page 41. The following table shows the movements in loan impairment provisions.</p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 8.25pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 8.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Provisions at the beginning of the year&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,150</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,305</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,455</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Transfer to disposal groups</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Currency translation and other adjustments</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (28)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (26)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Disposals</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (5)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Amounts written-off&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,070)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (140)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (1,210)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Recoveries of amounts previously written-off</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 142</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 156</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Losses/(releases) to income statement - continuing operations&#160;(1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 473</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 57</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 530</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Losses to income statement - discontinued operations</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Unwind of discount (recognised in interest income)&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (61)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (25)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (86)</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Provisions at the end of the year</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,606</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,208</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,814</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Provisions at the end of the year comprise</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Customers</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,814</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Banks</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,814</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Gross loans to customers&#160;(2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 305,183</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 21,815</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 326,998</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">For the notes to this table refer to the following page.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">127</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Loan impairment provisions continued</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td></tr><tr><td style="vertical-align:bottom;width:91.43%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:6pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.27;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;width:5.89%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.27;text-align:right;margin:0pt;">2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.27;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Closing customer provisions as a % of gross loans to customers </span><span style="color:#5e10b1;">(2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.89%;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">0.90</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">5.50</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">1.20</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-right:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">Customer losses/(releases) to income statement as a % of gross loans to customers </span><span style="color:#5e10b1;">(2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;margin-right:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">0.20</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">0.30</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">0.20</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;text-align:right;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Average loans to customers - gross</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">366,959</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;text-align:right;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#5e10b1;">As a % of average loans to customers during the year</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;margin-right:0pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Total customer provisions charged/(released) to income statement</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">0.10</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:91.43%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Amounts written-off (net of recoveries) - customers</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.34%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.27;margin:0pt;"><span style="font-size:8pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:5.89%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;text-align:right;margin:0pt 2.9pt 0pt 0pt;">0.30</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.32%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.27;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Includes nil relating to loans to banks (2016 - nil).</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Excludes reverse repos.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 14.2pt;"><span style="font-size:6pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Analysis of closing customer loan impairment provisions</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">The following table analyses customer loan impairment provisions by geographical area and type of UK customer</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:21.43%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Closing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">Total</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">provision</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">loans</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">UK</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central and local government</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.4</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Manufacturing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 37</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.5</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Construction</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 317</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.1</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.2</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Service industries and business activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 769</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15.0</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Agriculture, forestry and fishing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 15</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.0</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Property</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 211</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9.9</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Residential mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 137</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 45.1</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Personal lending</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 721</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance leases and instalment credit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 80</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.6</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Accrued interest</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.1</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Total UK</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,295</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 93.2</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,129</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.8</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Impaired book provisions</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,424</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 100.0</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Latent book provisions</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 390</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:76.14%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Total provisions</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.51%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,814</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">128</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Analysis of write-offs</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table analyses amounts written-off by geographical area and type of UK customer</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">UK</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Manufacturing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Construction</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 51</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Service industries and business activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 460</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Agriculture, forestry and fishing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Property</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 93</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Residential mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 20</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Personal lending</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 411</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance leases and instalment credit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Total UK</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,070</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 140</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,210</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Includes nil written-off in respect of loans to banks (2016 </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#8211;</span><span style="font-size:6pt;"> nil).</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Analysis of recoveries</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">The following table analyses recoveries of amounts written-off by geographical area and type of UK customer.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">UK</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Manufacturing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Construction</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Service industries and business activities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 16</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Property</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Residential mortgages</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Personal lending</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 72</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Finance leases and instalment credit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 142</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Overseas</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14</span></p></td></tr><tr><td style="vertical-align:bottom;width:87.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total recoveries</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:9.37%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 156</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">129</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Risk elements in lending</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">Risk elements in lending (REIL) comprises of impaired loans and accruing loans past due 90 days or more as to principal or interest. Impaired loans are all loans (including loans subject to forbearance) for which an impairment provision has been established; for collectively assessed loans, impairment loss provisions are not allocated to individual loans and the entire portfolio is included in impaired loans. Accruing loans past due 90 days or more comprises loans past due 90 days where no impairment loss is expected</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Impaired loans (1)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,450</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,973</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,423</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Accruing loans which are contractually overdue 90 days or more as to principal or interest</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,087</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 394</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,481</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total REIL</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,904</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Closing provisions for impairment as a % of total REIL</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 43</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr><tr><td style="vertical-align:bottom;width:84.97%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">REIL as a % of gross lending to customers excluding reverse repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.62%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">%</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">The write-off of impaired loans affects closing provisions for impairment as a % of total REIL (the coverage ratio). The coverage ratio reduces if the loan written-off carries a higher than average provision and increases if the loan written-off carries a lower than average provision.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Impaired loans at 31 December 2017 include </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">1,324 million (2016 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">2,496 million) of loans subject to forbearance granted during the year.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Gross income not recognised but which would have been recognised under</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">the original terms of impaired loans</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 227</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 80</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 307</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Interest on impaired loans included in net interest income</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 61</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 25</span></p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 86</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Potential problem loans</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">Potential problem loans (PPL) are loans for which an impairment event has taken place but no impairment loss is expected. This category is used for advances which are not past due 90 days or revolving credit facilities where identification as 90 days overdue is not feasible.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Potential problem loans</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 745</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">Both REIL and PPL are reported gross and take no account of the value of any security held which could reduce the eventual loss should it occur, nor of any provision marked. Therefore, impaired assets which are highly collateralised, such as mortgages, will have a low coverage ratio of provisions held against the reported impaired balance.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">130</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Forbearance</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">The table below shows loans granted forbearance during the year. These loans are unimpaired: either the loan was performing before and after the granting of forbearance or the loan was non-performing before but subsequently transferred to the performing book. Loans with impairment provisions subject to forbearance continue to be reported as impaired loans.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:86.46%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:86.46%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Loans granted forbearance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.74%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,480</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Wholesale loans subject to forbearance include only those arrangements above thresholds set individually by the segments, ranging from nil to </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">3 million.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">For 2017, wholesale loans subject to forbearance were </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">1,206 million (2016 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">1,807 million) and secured retail loans subject to forbearance were </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">274 million (2016 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">450 million). Unsecured retail loans subject to forbearance amounting to </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">31 million (2016 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">37 million) are not included.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Analysis of debt securities - fair value through other comprehensive income</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">The following table analyses debt securities at fair value through other comprehensive income and the related yield (based on weighted averages) by remaining maturity and issuer.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div 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style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:10.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Within&#160;1&#160;year</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:13.25%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">After&#160;1&#160;but&#160;within&#160;5&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:13.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">After&#160;5&#160;but&#160;within&#160;10&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:10.9%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">After&#160;10&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:11.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#5e10b1;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central and local governments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,299</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,981</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,048</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 6,610</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11,938</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.2</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,732</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,666</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,173</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,515</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,086</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.9</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,763</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,667</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 390</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 784</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,604</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.8</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other debt</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,840</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,030</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.8</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,987</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 201</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,058</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.7</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,634</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14,344</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,598</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 9,110</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 36,686</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.2</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Of which ABS (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 460</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,176</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 986</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 116</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.6</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,738</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.6</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2020</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 974</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,401</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,613</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,470</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17,458</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.6</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,170</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5,186</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,575</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,811</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11,742</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.8</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,421</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,681</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 725</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 975</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,802</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.9</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other debt</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,380</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 5,085</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,999</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 127</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,591</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.8</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,945</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17,353</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 9,912</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,383</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 44,593</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.8</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Of which ABS (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 229</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,879</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 806</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 127</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,041</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.7</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2019</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span 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style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,414</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,864</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 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style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,293</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 18,437</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.7</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,727</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,130</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,219</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,905</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 13,981</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,804</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,114</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,290</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 578</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,786</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other debt</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,022</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4,648</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,351</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 109</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 7,130</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.1</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,967</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3.5</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17,756</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12,726</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,885</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.6</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 48,334</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.4</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:34.18%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Of which ABS (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 134</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.9</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.84%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,440</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 240</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 109</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:3.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.83%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1,923</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.3%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.0</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:7pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:7pt;">Includes covered bonds.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Analysis of debt securities </span><span style="color:#42145f;font-family:'RN House Sans Regular';font-size:12pt;">&#8211;</span><span style="color:#42145f;font-size:12pt;"> amortised cost</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following table analyses debt securities at amortised cost and the related yield (based on weighted averages) by remaining maturity and issuer.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:10.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Within&#160;1&#160;year</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:13.21%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">After&#160;1&#160;but&#160;within&#160;5&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:13.83%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">After&#160;5&#160;but&#160;within&#160;10&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:10.71%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">After&#160;10&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:10.87%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Amount</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Yield</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central and local governments</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,442</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.9</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,946</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 433</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,821</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 70</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 86</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 156</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- Other</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 29</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 52</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 81</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.0</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other debt</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,580</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 501</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4.2</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 655</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,768</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,504</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.0</b></p></td></tr><tr><td style="vertical-align:bottom;width:34.33%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,121</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.58%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.8%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,585</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.61%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5.79%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.08%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,088</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.67%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.07%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,768</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.46%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.7</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8,562</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.24%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:4.62%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.6</b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">131</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Analysis of deposits - product analysis</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">The following table analyses deposits excluding repos by geographical area (location of office) and type of deposit.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">&#163;m</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">UK</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- interest-free</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 180,077</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 161,153</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 122,014</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- interest-bearing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 293,903</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 274,420</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 258,740</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 473,981</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 435,573</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 380,754</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Overseas</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- interest-free</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,949</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 10,227</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8,514</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">- interest-bearing</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 24,546</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 20,737</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 19,225</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 29,494</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 30,964</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27,739</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 503,475</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 466,537</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 408,493</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Overseas</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 264</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 20</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 220</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Rest of the World</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 29,230</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 30,944</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27,519</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total overseas</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 29,494</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 30,964</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27,739</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Repos</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">UK</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 27,135</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17,565</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 14,369</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 13,956</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 12,833</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 17,598</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Rest of the World</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 750</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 275</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 280</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 41,842</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 30,673</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32,247</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Certificates of deposit and other time deposits</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">The following table shows certificates of deposit and other time deposits over $100,000 or equivalent by remaining maturity.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Over</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">0-3&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3-6&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">6-12&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">12&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Total</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">UK based companies and branches</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Certificates of deposit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,397</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,498</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 666</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 115</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,676</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other time deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,809</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,820</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1,416</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 13,843</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 20,888</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Overseas based companies and branches</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other time deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 937</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 992</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 524</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 103</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,556</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.11%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 7,143</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4,310</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 2,606</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 14,016</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 28,120</b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Uninsured time deposits</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">The following table shows total uninsured time deposits in excess of the Federal Deposit Insurance Corporation (FDIC) insurance limit by remaining maturity. </span><span style="font-size:8.5pt;"><br /></span><span style="font-size:10pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#ff0000;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2020</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2019</b></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Time deposits in excess of the Federal Deposit Insurance</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Corporation (FDIC) insurance limit</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (25,623)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (34,958)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (31,985)</b></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Uninsured time deposits by maturity</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#42145f;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">0-3 months</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (5,411)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (14,578)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (11,020)</b></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">3-6 months</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (3,094)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (6,015)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (4,787)</b></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">6-12 months</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (2,877)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (5,025)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (3,525)</b></p></td></tr><tr><td style="vertical-align:bottom;width:68.02%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Over 12 months</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (14,241)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (9,340)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.15%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:8.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (12,653)</b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">132</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Short-term borrowings</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">Short-term borrowings comprise repurchase agreements, borrowings from financial institutions, commercial paper and certificates of deposit. Derivative collateral received from financial institutions is excluded from the table, as are certain long-term borrowings.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="3" style="vertical-align:bottom;white-space:nowrap;width:15.79%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">At&#160;year&#160;end</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td colspan="5" style="vertical-align:bottom;white-space:nowrap;width:24.55%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">During&#160;the&#160;year</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Weighted</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Weighted</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">average</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Maximum</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Average</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">average</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Balance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">interest&#160;rate</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">balance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">balance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">interest&#160;rate</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;bn</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 42</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.2)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 51</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 42</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.3)</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Financial institutions (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 65</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 70</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 64</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.1</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Commercial paper</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.1)</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Certificates of deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.1</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 4</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.1</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 116</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 131</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 114</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> (0.1)</b></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2020</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 31</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="white-space:pre-wrap;"> (0.3)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 47</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Financial institutions (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 60</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 66</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 59</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.1</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Commercial paper</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.1</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.4</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Certificates of deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.5</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 98</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.0</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 121</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 97</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.2</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2019</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Repos</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 32</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.7</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 56</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 42</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2.5</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Financial institutions (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 54</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 70</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 53</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Commercial paper</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.3</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Certificates of deposits</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.4</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.5</span></p></td></tr><tr><td style="vertical-align:bottom;width:56.09%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Total</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 90</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7.01%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 131</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 99</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.77%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:7%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Excludes derivative cash collateral of </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">23 billion at 31 December 2020 (2019 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">22 billion; 2018 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">20 billion); and 2020 average of </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">26 billion (2019 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">22 billion; 2018 - </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">21 billion).</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:7pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Balances are generally based on monthly data. Average interest rates during the year are computed by dividing total interest expense by the average amount borrowed. Weighted average interest rates at year end are for a single day and as such may reflect one-day market distortions, which may not be indicative of generally prevailing rates.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Other contractual cash obligations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The table below summarises other contractual cash obligations by payment date.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">0-3&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3-12&#160;months</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">1-3&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">3-5&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">5-10&#160;years</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">10-20&#160;years</b></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2021</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#163;m</b></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Contractual obligations to purchase goods or services</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 75</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 226</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 318</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 63</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 75</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 226</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 318</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 63</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;background:#eaeaea;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">&#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2020</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Contractual obligations to purchase goods or services</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 75</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 192</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 362</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 92</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 75</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 192</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 362</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 92</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 8</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">2019</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Contractual obligations to purchase goods or services</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 80</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 205</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 226</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 92</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#06b3bb;font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 80</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.96%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 205</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 226</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.58%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.38%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 92</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.39%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 11</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.59%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.47%;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">&#8212;</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:11pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Undrawn formal facilities, credit lines and other commitments to lend were <span style="font-family:'RN House Sans Regular';">&#163;</span>121,922 million (2019 - <span style="font-family:'RN House Sans Regular';">&#163;</span>117,228 million; 2018 - <span style="font-family:'RN House Sans Regular';">&#163;</span>116,843 million). While NatWest Group has given commitments to provide these funds, some facilities may be subject to certain conditions being met by the counterparty. NatWest Group does not expect all facilities to be drawn, and some may lapse before drawdown.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">133</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Exchangerates_76978"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Exchange rates</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following tables show the Noon Buying Rate in New York for cable transfers in sterling as certified for customs purposes by the Federal Reserve Bank of New York.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">January</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">December</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">November</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">October</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">September</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">August</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">US dollars per &#163;1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2022</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2021</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Noon Buying Rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">High</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3724</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3500</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3679</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3821</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3862</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3929</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Low</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3385</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3188</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3252</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3569</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3439</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3625</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Noon Buying Rate</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Period end rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3500</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3662</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3269</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2763</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3529</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average rate for the year (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3739</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2923</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2803</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3309</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3016</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Consolidation rate (2)</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">&#160;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;"><span style="color:#5e10b1;">&#160;&#160;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Period end rate</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3486</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3655</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3200</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2790</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3513</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Average rate for the year</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#eaeaea;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.3755</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2836</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2771</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.3350</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.2887</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">The average of the Noon Buying Rates on the last US business day of each month during the year.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">The rates used for translating US dollars into sterling in the preparation of the financial statements.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(3)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">On 25 February 2022, the Noon Buying Rate was </span><span style="font-family:'RN House Sans Regular';font-size:6pt;">&#163;</span><span style="font-size:6pt;">1.3407.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;padding-left:14.2pt;text-indent:-14.2pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:7pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">134</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="ADRpaymentinformation_632189"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">ADR payment information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:12pt;">Fees paid by ADR holders</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The depositary collects its fees for delivery and surrender of ADSs directly from investors depositing shares or surrendering ADSs for the purpose of withdrawal or from intermediaries acting for them. 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td></tr><tr><td style="vertical-align:top;width:48%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="color:#42145f;font-size:8.5pt;">Persons depositing or withdrawing shares must pay:</span></p></td><td style="vertical-align:top;width:2%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;</span></p></td><td style="vertical-align:top;width:50%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="display:inline-block;text-indent:0pt;width:18pt;"><span style="color:#42145f;font-family:'Arial','Helvetica','sans-serif';font-size:8.5pt;font-style:normal;font-weight:normal;">For:</span></span></p></td></tr><tr><td style="vertical-align:top;width:48%;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="font-size:8.5pt;">$5.00 (or less) per 100 ADSs (or portion of 100 ADSs)</span></p></td><td style="vertical-align:top;width:2%;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;</span></p></td><td style="vertical-align:top;width:50%;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">Issuance of ADSs, including issuances resulting from a distribution of shares or rights or other property.</span></p></td></tr><tr><td style="vertical-align:top;width:48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:top;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td></tr><tr><td style="vertical-align:top;width:48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;</span></p></td><td style="vertical-align:top;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">Cancellation of ADSs for the purpose of withdrawal, 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style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:top;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td></tr><tr><td style="vertical-align:top;width:48%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="font-size:8.5pt;">A fee equivalent to the fee that would be payable if securities distributed to you had been shares and the shares had been deposited for issuance of ADSs</span></p></td><td 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style="vertical-align:top;width:2%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:7pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span></p></td></tr><tr><td style="vertical-align:top;width:48%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;"><span style="font-size:8.5pt;">Any charges incurred by the depository or its agents for servicing the deposited securities</span></p></td><td style="vertical-align:top;width:2%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-family:'Calibri','Helvetica','sans-serif';font-size:8.5pt;">&#160;</span></p></td><td style="vertical-align:top;width:50%;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="font-size:8.5pt;">As necessary.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#5e10b1;font-size:12pt;">Fees payable by the depository to the issuer</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Fees incurred in past annual Period</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">From 1 January&#160;2021 to 31 December&#160;2021, the company received from the depository $174,710 for continuing annual stock exchange listing fees, standard out-of-pocket maintenance costs for the ADRs (consisting of the expenses of postage and envelopes for mailing annual and interim financial reports, printing and distributing dividend cheques, electronic filling of U.S. Federal tax information, mailing required tax forms, stationary, postage, facsimile, and telephone calls), any applicable performance indicators relating to the ADR facility, underwriting fees and legal fees.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-weight:bold;">Fees to be paid in the future</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The Bank of New York Mellon, as depository, has agreed to reimburse the company for expenses they incur that are related to establishment and maintenance expenses of the ADS program. The depository has agreed to reimburse the Company for its continuing annual stock exchange listing fees. The depository has also agreed to pay the standard out-of-pocket maintenance costs for the ADRs, which consist of the expenses of postage and envelopes for mailing annual and interim reports, printing and distributing dividend cheques, electronic filing of U.S. federal tax information, mailing required tax forms, stationary, postage, facsimile, and telephone calls. It has also agreed to reimburse the company annually for certain investor relationship programs of special investor relations promotional activities. In certain instances, the depository has agreed to provide additional payments to the company based on any applicable performance indicators relating to the ADR facility. There are limits on the amount of expenses for which the depository will reimburse the company, but the amount of reimbursement available to the company is not necessarily tied to the amount of fees the depository collects from investors.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">135</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Risk factors</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_33e55688_e589_4683_b0c6_097048176cb3"></a><a id="PrincipalRisksandUncertainties_85773"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-size:12pt;">Principal Risks and Uncertainties</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Set out below are certain risk factors that could adversely affect NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s future results, its financial condition and prospects and cause them to be materially different from what is forecast or expected, and directly or indirectly impact the value of its securities in issue. These risk factors are broadly categorised and should be read in conjunction with other sections of this annual report, including the forward-looking statements section, the strategic report and the risk and capital management section. They should not be regarded as a complete and comprehensive statement of all potential risks and uncertainties facing NatWest Group. The COVID-19 pandemic may exacerbate any of the risks described below.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Economic and political risk</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">The impact of the COVID-19 pandemic and related uncertainties continue to affect the UK, global economies and financial markets and NatWest Group&#8217;s customers, as well as its competitive environment, which may continue to have an adverse effect on NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In many countries, including the UK (NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s most significant market), the COVID-19 pandemic has, at times, resulted in the imposition of strict social distancing measures, restrictions on non-essential activities and travel quarantines, in an attempt to slow the spread and reduce the impact of the COVID-19 pandemic. The COVID-19 pandemic has also, at times, caused significant reductions in levels of consumer and commercial activity, reductions in consumer spending, increased levels of corporate debt and, for some customers, personal debt, increased unemployment and significant market volatility in asset prices, interest rates and foreign exchange rates. It has also, at times, caused physical disruption to global supply chains and working practices, all of which have affected NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s customers. NatWest Group has significant exposures to many of the commercial sectors economically impacted by the COVID-19 pandemic, including property, retail, leisure and travel.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Despite widespread COVID-19 vaccination within the geographical regions in which NatWest Group operates, the proliferation of COVID-19 variants continues to affect the UK and global economies. Further waves of infection or the spread of new strains may result in renewed restrictions in affected countries and regions. As a result, significant uncertainties remain as to how long the impact of the COVID-19 pandemic will last, and how it will continue to affect the global economy.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In response to the COVID-19 pandemic, central banks, governments, regulators and legislatures in the UK and elsewhere have offered unprecedented levels of support and various schemes to assist impacted businesses and individuals. This has included forms of financial assistance and legal and regulatory initiatives. Many of these support schemes have now been curtailed. However, uncertainty remains as to the impact of the ending or tapering of these schemes and the repayment of the loans involved on customers, the economic environment and NatWest Group. Moreover, it is unclear as to how any further measures, such as rising interest rates and inflation, also have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business and performance.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The COVID-19 pandemic has prompted many changes that may prove to be permanent shifts in customer behaviour and economic activity, such as changes in spending patterns and significantly more people working from home. These changes may have long lasting impacts on asset prices, the economic environment and its customer<span style="font-family:'RN House Sans Regular';">&#8217;</span>s financial needs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Uncertainties relating to the COVID-19 pandemic has made reliance on analytical models and planning and forecasting for NatWest Group more complex, and may result in uncertainty impacting the risk profile of NatWest Group and/or that of the wider banking industry. The medium and long-term implications of the COVID-19 pandemic for NatWest Group customers, the UK housing market, and the UK and global economies and financial markets remain uncertain.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any of the above may have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group faces continued economic and political risks and uncertainty in the UK and global markets.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The outlook for the global economy over the medium-term remains uncertain due to a number of factors including: the COVID-19 pandemic, societal inequalities and changes, trade barriers and the increased possibility of and/or continuation of trade wars, geopolitical tensions, widespread political instability (including as a result of populism and nationalism, which may lead to protectionist policies, state and privately sponsored cyber and terrorist acts or threats, efforts to destabilise regimes or armed conflict), energy prices, changes in inflation and interest rates (including negative interest rates), supply chain disruption, climate, environmental, social and other sustainability-related risks and global regional variations in the impact and responses to these factors.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These conditions could be worsened by a number of factors including macro-economic deterioration, increased instability in the global financial system and concerns relating to further financial shocks or contagion (for example, due to economic concerns in emerging markets), market volatility or fluctuations in the value of the pound sterling, new or extended economic sanctions, volatility in commodity prices or concerns regarding sovereign debt. This may be compounded by the changing demographics of the populations in the markets that NatWest Group serves, increasing social and other inequalities, or rapid change to the economic environment due to the adoption of technology and artificial intelligence. Any of the above developments could adversely impact NatWest Group directly (for example, as a result of credit losses) or indirectly (for example, by impacting global economic growth and financial markets and NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s customers and their banking needs).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, NatWest Group is exposed to risks arising out of geopolitical events or political developments, such as exchange controls and other measures taken by sovereign governments that may hinder economic or financial activity levels. Furthermore, unfavourable political, military or diplomatic events, including secession movements or the exit of other member states from the EU, armed conflict (including the Russia/Ukraine conflict and related consequences for geopolitical stability, energy supply and prices, and cross-border financial transactions, including as a result of economic sanctions), pandemics and widespread public health crises (including the current COVID-19 pandemic and any future epidemics or pandemics), state and privately sponsored cyber and terrorist acts or threats, and the responses to them by governments and markets, could negatively affect the business and performance of NatWest Group, including as a result of the indirect effect on regional or global trade and/or NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s customers.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">136</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="white-space:pre-wrap;">NatWest Group faces political uncertainty in Scotland, as a result of a possible second Scottish independence referendum. Independence may adversely impact NatWest Group since NatWest Group plc and other NatWest Group entities (including NWM Plc) are incorporated in Scotland. Any changes to Scotland&#8217;s relationship with the UK or the EU would impact the environment in which NatWest Group and its subsidiaries operate, and may require further changes to NatWest Group&#8217;s structure, independently or in conjunction with other mandatory or strategic structural and organisational changes which, any of which could adversely impact NatWest Group.  The value of NatWest Group&#8217;s financial instruments may be materially affected by market risk, including as a result of market fluctuations. Market volatility, illiquid market conditions and disruptions in the credit markets may make it extremely difficult to value certain of NatWest Group&#8217;s financial instruments, particularly during periods of market displacement. This could cause a decline in the value of NatWest Group&#8217;s financial instruments, which may have a material adverse effect on NatWest Group&#8217;s results of operations in future periods, or inaccurate carrying values for certain financial instruments.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, financial markets are susceptible to severe events evidenced by rapid depreciation in asset values, which may be accompanied by a reduction in asset liquidity. Under these conditions, hedging and other risk management strategies may not be as effective at mitigating trading losses as they would be under more normal market conditions. Moreover, under these conditions, market participants are particularly exposed to trading strategies employed by many market participants simultaneously and on a large scale, increasing NatWest Group&#8217;s counterparty risk. NatWest Group&#8217;s risk management and monitoring processes seek to quantify and mitigate NatWest Group&#8217;s exposure to more extreme market moves. However, severe market events have historically been difficult to predict and NatWest Group could realise significant losses if extreme market events were to occur.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any of the above may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">Continuing uncertainty regarding the effects and extent of the UK&#8217;s post Brexit divergence from EU laws and regulation, and NatWest Group&#8217;s post Brexit EU operating model may continue to adversely affect NatWest Group and its operating environment.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The UK ceased to be a member of the EU and the European Economic Area (&#8216;EEA&#8217;) on 31 January 2020 (&#8216;Brexit&#8217;) and the 2020 EU-UK Trade and Cooperation Agreement (&#8216;TCA&#8217;) ended the transition period on 31 December 2020. The TCA provides for free trade between the UK and EU with zero tariffs and quotas on all goods that comply with the appropriate rules of origin, with minimal coverage. However, for financial services, UK-incorporated financial services providers no longer have EU passporting rights and there is no mutual recognition regime. Financial services may largely be subject to individual equivalence decisions by relevant regulators. A number of temporary equivalence decisions have been made that cover certain services offered by NatWest Group. The EU&#8217;s equivalence regime does not cover most lending and deposit taking, and determinations in respect of third countries have not, to date, covered the provision of most investment services. In addition, equivalence determinations do not guarantee permanent access rights and can be withdrawn with short notice. The TCA is accompanied by a Joint Declaration on financial services which sets out an intention for the EU and UK to cooperate on matters of financial regulation and to agree a Memorandum of Understanding, which has yet to be signed. In late 2021 the European Commission proposed legislation that would require non-EU firms to establish a branch or subsidiary in the EU before providing &#8220;banking services&#8221; in the EU. If these proposals become law all &#8220;banking services&#8221; will be licensable activities in each EU member state and member states will not be permitted to offer bilateral permissions to financial institutions outside the EU allowing them to provide &#8220;banking services&#8221; in the EU. Uncertainty remains as to whether &#8220;banking services&#8221; will also include investment products.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group continues to evaluate its post Brexit EU operating model, making adaptations as necessary. NatWest Group also continues to assess where NatWest Group companies can obtain bilateral regulatory permissions to facilitate intragroup transactions and/or to permit business to continue from its UK entities, transferring what cannot be continued to be rendered from the UK to an EEA subsidiary or branch where permitted. Where these regulatory permissions are temporary or are withdrawn, a different approach may need to be taken or may result in a change in operating model or some business being ceased. Not all NatWest Group entities have applied for bilateral regulatory permissions and instead intend to move EEA business to an EEA licensed subsidiary or branch. There is a risk that these EEA licenses may not be granted, or may be withdrawn, and where these permissions are not obtained, further changes to NatWest Group&#8217;s operating model may be required or some business may need to be ceased. In addition, failure to obtain required regulatory permissions or licences in one part of NatWest Group may impact other parts of NatWest Group adversely. Certain permissions are required in order to maintain the ability to clear euro payments. Other permissions, including the ability to have two intermediate EU parent undertakings, would allow NatWest Group to continue to serve EEA customers from both the ring-fenced and non-ring-fenced banking entities. Furthermore, transferring business to an EEA based subsidiary is a complex exercise and involves legal, regulatory and execution risks, and could result in a loss of business and/or customers or greater than expected costs. The changes to NatWest Group&#8217;s operating model have been costly and further changes to its business operations, product offering and customer engagement could result in further costs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The long-term effects of Brexit and the uncertainty regarding NatWest Group&#8217;s EU operating model may have a negative impact on NatWest Group&#8217;s business. These may be exacerbated by wider global macro-economic trends and events, particularly COVID-19 pandemic related uncertainties, which may significantly impact NatWest Group and its customers and counterparties who are themselves dependent on trading with the EU or personnel from the EU. They may exacerbate the economic impacts of the COVID-19 pandemic on the UK, the Republic of Ireland (&#8216;ROI&#8217;) and the rest of the EU/EEA.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Significant uncertainties remain as to the extent to which EU/EEA laws will diverge from UK law (including bank regulation), whether and what equivalence determinations will be made by the various regulators, whether the proposed EEA licensed subsidiary is granted a banking licence, whether banking services will be harmonised across the EEA and, therefore, what the respective legal and regulatory arrangements will be, under which NatWest Group and its subsidiaries will operate. This divergence could lead to further market fragmentation. These risks and uncertainties may require costly changes to NatWest Group&#8217;s EU operating model. The legal and political uncertainty, and any actions taken as a result of this uncertainty, as well as the approach taken by regulators and new or amended rules, could have a significant adverse impact on NatWest Group&#8217;s businesses, non-UK operations and/or legal entity structure, including attendant operating, compliance and restructuring costs, level of impairments, capital requirements, changes to intragroup arrangements, increased complexity, regulatory environment and tax implications and as a result may have a material adverse effect on NatWest Group&#8217;s profitability, competitive position, business model and product offering.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">137</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">Changes in interest rates have significantly affected and will continue to affect NatWest Group&#8217;s business and results.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Interest rate risk is significant for NatWest Group. Monetary policy has been accommodative in recent years including initiatives implemented by the Bank of England and HM Treasury, such as the Term Funding Scheme with additional incentives for SMEs (&#8216;TFSME&#8217;), which have helped to support demand at a time of pronounced fiscal tightening and balance sheet repair. However, market expectations are currently that benchmark interest rates such as UK base rate, could begin to rise further and faster than had been anticipated previously and that this could be accompanied by other measures to reverse accommodative policy, such as quantitative tightening.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">While increases in interest rates may support NatWest Group&#8217;s interest income, sharp rises could have macroeconomic effects that lead to adverse outcomes for the business. For example, they could lead to generally weaker than expected growth, or even contracting GDP, reduced business confidence, higher default rates on customer loans, higher levels of unemployment or underemployment, and falling property prices in the markets in which NatWest Group operates, each of which could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook. Conversely, decreases in interest rates and/or continued sustained low or negative interest rates would be expected to continue to put further pressure on NatWest Group&#8217;s interest income and profitability.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Unexpected moves in interest rates will also affect valuations of assets and liabilities that are recognised at fair value on the balance sheet. Changes in these valuations may be adverse. Unexpected movements in spreads between key benchmark rates could have adverse impacts and also have a material adverse effect on NatWest Group&#8217;s financial position.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">Changes in foreign currency exchange rates may affect NatWest Group&#8217;s results and financial position.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Decisions of major central banks (including the Bank of England, the European Central Bank and the US Federal Reserve) and political or market events, which are outside NatWest Group&#8217;s control, may lead to sharp and sudden variations in foreign exchange rates.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Although NatWest Group is principally a UK focused banking group, it is subject to foreign exchange risk from capital deployed in NatWest Group&#8217;s foreign subsidiaries, branches and joint arrangements and customer transactions denominated in a currency other than the functional currency of NatWest Group. NatWest Group also relies on issuing securities in foreign currencies that assist in meeting NatWest Group&#8217;s minimum requirements for own funds and eligible liabilities (&#8216;MREL&#8217;) and NWM Plc deals foreign exchange instruments. NatWest Group maintains policies and procedures designed to manage the impact of exposures to fluctuations in currency rates. Nevertheless, changes in currency rates, particularly in the sterling-US dollar and euro-sterling rates, can adversely affect the value of assets, liabilities (including the total amount MREL-eligible instruments), foreign exchange dealing activity, income and expenses, RWAs and hence the reported earnings and financial condition of NatWest Group and may have a material adverse effect on NatWest Group&#8217;s income from foreign exchange dealing, business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">HM Treasury (or UKGI on its behalf) could exercise a significant degree of influence over NatWest Group and further offers or sales of NatWest Group&#8217;s shares held by HM Treasury may affect the price of NatWest Group securities.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In its March 2021 Budget, the UK Government announced its intention to continue the process of privatisation of NatWest Group plc and to carry out a programme of sales of NatWest Group plc ordinary shares with the objective of selling all of its remaining shares in NatWest Group plc by 2025-2026. As a result of a directed buyback of NatWest Group plc shares by NatWest Group plc from UK Government Investments Limited (&#8216;UKGI&#8217;) in March 2021, sales of NatWest Group plc shares by UKGI by accelerated bookbuild in May 2021 and purchases made under NatWest Group plc&#8217;s on-market buyback programme announced in July 2021, as at 11 February 2022, the UK Government held 50.94% of the issued share capital with voting rights of NatWest Group plc. In addition to the &#163;750 million on-market buyback announced on 18 February 2022, NatWest Group may participate in further directed or on-market buybacks in the future. The timing, extent and continuation of UKGI&#8217;s sell-downs is uncertain, which could result in a prolonged period of increased price volatility on NatWest Group plc&#8217;s ordinary shares.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any offers or sales of a substantial number of ordinary shares by UKGI, market expectations about these sales and any associated directed, on or off market buyback activity by NatWest Group, could affect the prevailing market price for the outstanding ordinary shares of NatWest Group plc.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">HM Treasury has indicated that it intends to respect the commercial decisions of NatWest Group and that NatWest Group will continue to have its own independent board of directors and management team determining its own strategy. However, for as long as HM Treasury remains the NatWest Group plc&#8217;s largest single shareholder, HM Treasury and UKGI (as manager of HM Treasury&#8217;s shareholding) could exercise a significant degree of influence over the election of directors and appointment of senior management, NatWest Group&#8217;s capital strategy, dividend policy, remuneration policy or the conduct of NatWest Group&#8217;s operations, amongst others. HM Treasury or UKGI&#8217;s approach depends on government policy, which could change. The manner in which HM Treasury or UKGI exercises HM Treasury&#8217;s rights as the largest single shareholder could give rise to conflicts between the interests of HM Treasury and the interests of other shareholders, including as a result of a change in government policy.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any of the above could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Strategic risk</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group continues to implement its purpose-led strategy, which carries significant execution and operational risks and may not achieve its stated aims and targeted outcomes.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In February 2020, NatWest Group announced a new strategy, focused on becoming a purpose-led business, designed to champion potential and to help individuals, families and businesses to thrive. This strategy is intended to reflect the rapidly shifting environment and backdrop of unprecedented disruption in society driven by technology and changing customer expectations, as accelerated by the COVID-19 pandemic. The purpose-led strategy has required an internal cultural shift across NatWest Group as to how performance is perceived and how NatWest Group conducts its business. These changes are substantial and will take many years to fully embed. These changes may not result in the expected outcome within the timeline and in the manner currently contemplated.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">138</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As part of its purpose-led strategy, NatWest Group has set a number of financial, capital and operational targets and expectations, both for the short term and throughout the implementation period. Meeting these targets and expectations requires further significant reductions to NatWest Group&#8217;s cost base. Realising these cost reductions may result in material strategic costs, which may be more than currently expected. The continued focus on meeting cost reduction targets may also mean limited investment in other areas, which could affect NatWest Group&#8217;s long-term prospects, product offering or competitive position, its ability to meet its other targets and commitments (including those related to customer satisfaction) and its capacity to respond to climate-related risks.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s ability to meet its planned reductions in its annual underlying costs may vary considerably from year to year. Any of the factors above could jeopardise NatWest Group&#8217;s ability to achieve its associated financial targets and generate sustainable returns.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The financial services industry is currently experiencing a trend towards consolidation and technological advancement and disruption. In pursuing its purpose-led strategy, NatWest Group may decide to undertake divestments, restructurings or reorganisations of certain of its customer segments. Conversely, it may decide to grow its business through acquisitions, joint ventures, investments and/or strategic partnerships as well as other transactions and initiatives, in certain customer segments and including to: (i) enhance capabilities that may lead to better productivity or cost efficiencies; (ii) acquire talent; (iii) pursue new products or expand existing products; or (iv) enter new markets or enhance its presence in existing markets. There are risks that NatWest Group may not fully realise the expected benefits and value from these transactions and initiatives. In particular, NatWest Group may: (i) fail to realise the business rationale for the transaction or initiative, or assumptions underlying the business plans supporting the valuation of a target business may prove inaccurate, for example, synergies and expected commercial demand; (ii) fail to successfully integrate any acquired businesses (including in respect of technologies, existing strategies, products and human capital); (iii) fail to retain key employees, customers and suppliers of any acquired business; (iv) be required or wish to terminate pre-existing contractual relationships, which could prove costly and/or be executed at unfavourable terms and conditions; (v) fail to discover certain contingent or undisclosed liabilities in businesses that it acquires, or its due diligence to discover any such liabilities may be inadequate; and (vi) not obtain necessary regulatory and other approvals or onerous conditions may be attached to such approvals. Accordingly, NatWest Group may not be successful in growing its business through these types of transactions and initiatives and any particular transaction may not succeed, may be limited in scope or scale (including due to NatWest Group&#8217;s current ownership structure) and may not conclude on the terms contemplated, or at all. Any of the above may materially and adversely affect NatWest Group&#8217;s results of operations, financial condition or prospects.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s phased withdrawal from ROI continues to present significant commercial, operational, legal and execution risks. In particular, the phased withdrawal from ROI involves transfers of business, assets and liabilities to third parties, and entails many risks, the most significant of which include: (i) anticipated reductions in net income, total lending and RWAs; (ii) potential trapped or stranded capital; (iii) the diversion of management resources and attention away from day-to-day management; (iv) the recognition of disposal losses as part of the orderly run-down of certain loan portfolios which may be higher than anticipated; (v) execution risks arising from the significant uncertainties of a phased withdrawal, including the additional IT and operational expense and resource required to mitigate manual and limited customer switching and handling processes of Ulster Bank Ireland DAC, potential counterparties and other banks; (vi) customer action or inaction, or the inability to obtain necessary approvals and/or support from governmental authorities, regulators, trade unions and/or other stakeholders resulting in additional cost, resource and delays; (vii) potential loss of customers, resulting in retail and commercial deposit outflows (or a failure to attract deposit inflows) and reduced revenues and liquidity; (viii) increased people risk through the potential loss of key colleagues and institutional knowledge and increased challenges of attracting and retaining colleagues; (ix) regulatory risk, including in relation to prudential, conduct and other regulatory requirements; (x) no or limited access to Euro system funding arrangements; and (xi) brand and reputational risks due to press speculation and stakeholder scrutiny about the phased withdrawal from ROI. Any of these risks and uncertainties may cost more, be more complex or harder to mitigate than currently estimated and may adversely affect NatWest Group&#8217;s ability to execute a phased withdrawal from ROI, or may affect the financial performance of NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 27 January 2022, NatWest Group announced that, in order to further support its customers&#8217; growth ambitions and deliver on the next phase of its strategy, it is evolving its Commercial, NatWest Markets and RBS International businesses to form a single franchise to best support its customers across the full non-personal customer lifecycle. The transition is expected to begin over the coming months and be effective from July 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In pursuing its strategy, NatWest Group may not be able to successfully: (i) implement all aspects of its strategy; (ii) reach any or all of the related targets or expectations of its strategy; or (iii) realise the intended strategic objectives of any other future strategic or growth initiative. The scale and scope of its strategy and the intended changes continue to present material business, operational (including compliance with the UK ring-fencing regime), legal, execution, IT system, internal culture, conduct and people risks to NatWest Group. Implementing many changes and strategic actions concurrently, including in respect of any growth initiatives, will require application of robust governance and controls frameworks and robust IT systems; there is a risk that NatWest Group may not be successful in these respects. The implementation of the purpose-led strategy and any other strategic initiatives could result in materially higher costs than initially contemplated (including due to material uncertainties and factors outside of NatWest Group&#8217;s control) and may not be completed as planned, or at all, or could be phased or could progress in a manner other than currently expected. This could lead to additional management actions by NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Changes in the economic, political and regulatory environment in which NatWest Group operates, or regulatory uncertainty and changes, strong market competition and industry disruption or economic volatility may require NatWest Group to adjust aspects of its strategy or the timeframe for its implementation including in relation to its financial, capital and operational targets and expectations. As certain initiatives depend on achieving growth in new ventures and opportunities for NatWest Group, its strategy is vulnerable to an economic downturn. NatWest Group&#8217;s strategy also requires ongoing confidence from customers and the wider market, without which customer activity and related income levels may fall or NatWest Group&#8217;s reputation may be adversely affected.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">139</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Each of these risks, and others identified in these Risk Factors, individually or collectively could jeopardise the implementation and delivery of the purpose-led strategy and other strategic initiatives, result in higher than expected costs, impact NatWest Group&#8217;s products and services offering, its reputation with customers or business model and adversely impact NatWest Group&#8217;s ability to deliver its strategy and meet its targets and guidance, each of which could have a material adverse impact on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group continues to refocus its NWM franchise, which entails material execution, commercial and operational risks and the intended benefits for NatWest Group may not be realised within the timeline and in the manner currently contemplated.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Over the past few years, as part of its purpose-led strategy, NatWest Group has sought to implement a more strategically congruent and economically sustainable model for its NWM franchise. As part of this, NatWest Group has been refocusing the NWM franchise to principally serve NatWest Group&#8217;s corporate and institutional customer base. This requires NWM Group to simplify its operating model and technology platform, as well as reduce its cost base and capital requirements. NWM Group has also directed resources to emphasising and growing product capability in the areas of importance to NatWest Group&#8217;s corporate and institutional customers, including the Fixed Income and Capital Markets businesses, and has refocused its Rates business to best serve its core customers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, to improve efficiencies and best serve customers following Brexit, NatWest Group expects that certain assets, liabilities, transactions and activities of its Western European corporate portfolio (principally including term funding and revolving credit facilities), will be transferred from the ring-fenced subgroup of NatWest Group to NWM Group on a rolling basis, subject to certain regulatory and customer requirements. The timing and quantum of these transfers remain uncertain as is the impact of these transactions on its go-forward results of operations. As a result, NatWest Group&#8217;s business, results of operations, financial position and prospects could be materially adversely affected.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s ability to serve its customers may be diminished by the changed business strategy, as a result of the NWM Refocusing. In addition, customer reactions to the changed nature of NWM Group&#8217;s business model may be more adverse than expected and previously anticipated revenue and profitability levels may not be achieved in the timescale envisaged or at all. An adverse macroeconomic environment (including due to the COVID-19 pandemic, heightened inflation and rising interest rates), continued political and regulatory uncertainty, market volatility and/or strong market competition may also pose significant challenges to the achievement of the anticipated targets and goals of the NWM Refocusing.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The implementation of the NWM Refocusing has been a complex process and although substantial progress has been made, the risk remains that this strategy may not result in the contemplated business outcome and there continue to be material execution, commercial and operational risks in connection with the NWM Refocusing. There may continue to be material execution, commercial and operational risks for NWM Group and NWM Group may continue to be subject to significant structural and other change. There can be no certainty that the NWM Refocusing will be successful or that NWM Group will be a viable, competitive or profitable business. The intended benefits for NatWest Group may not be realised within the timeline and in the manner currently contemplated, which may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">Trends relating to the COVID-19 pandemic may adversely affect NatWest Group&#8217;s strategy and impair its ability to meet its targets and strategic objectives.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The trajectory of the COVID-19 pandemic&#8217;s impact on the UK and global economy and NatWest Group remains uncertain. If trends relating to the COVID-19 pandemic negatively impact the UK and global economy, NatWest Group&#8217;s may be unable to meet its financial, capital and operational targets and expectations. In addition, the COVID-19 pandemic has, at times, caused significant market volatility, which could cause RWA inflation for NatWest Group. This could impair NatWest Group&#8217;s ability to timely deliver on certain aspects of its purpose-led strategy, which may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook. See also, &#8216;<i style="font-style:italic;">NatWest Group continues to implement its purpose-led strategy, which carries significant execution and operational risks and may not achieve its stated aims and targeted outcomes</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">It is uncertain as to how the broader macroeconomic business environment and societal norms may be impacted by the COVID-19 pandemic, causing significant wider societal changes. For example, one of the most notable effects of the COVID-19 pandemic has been its disproportionate impact on the most vulnerable groups of society and concerns about systemic racial biases and social inequalities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, the COVID-19 pandemic has accelerated existing economic trends that may radically change the way businesses are run and people live their lives. These trends include digitalisation, decarbonisation, automation, e-commerce and agile working, each of which has resulted in significant market volatility in asset prices. There is also increased investor, regulatory and customer scrutiny regarding how businesses address these changes and related climate, environmental, social, governance and other sustainability issues, including tackling inequality, working conditions, workplace health, safety and wellbeing, diversity and inclusion, data protection and management, workforce management, human rights and supply chain management. Any failure or delay by NatWest Group to successfully adapt its business strategy and to establish and maintain effective governance, procedures, systems and controls in response to these changes, and to manage emerging climate, environmental, social, governance and other sustainability-related risks and opportunities, may have a material adverse impact on NatWest Group&#8217;s reputation, business, results of operations, outlook and the value of NatWest Group&#8217;s securities. See also, &#8216;Any failure by NatWest Group to implement effective and compliant climate change resilient systems, controls and procedures could adversely affect NatWest Group&#8217;s ability to manage climate-related risks&#8217; and &#8216;<i style="font-style:italic;">A failure to adapt NatWest Group&#8217;s business strategy, governance, procedures, systems and controls to manage emerging sustainability-related risks and opportunities may have a material adverse effect on NatWest Group, its reputation, business, results of operations and outlook</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The COVID-19 pandemic may also result in unexpected developments or changes in financial markets, the fiscal, tax and regulatory frameworks and consumer customer and corporate client behaviour, which could intensify competition in the financial services industry. This could have a material adverse impact on NatWest Group&#8217;s business, results of operations and outlook, if it is not able to adapt or compete effectively.</p><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:10.5pt;margin:0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Financial resilience risk</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group may not meet the targets it communicates or be in a position to continue to make discretionary capital distributions (including dividends to shareholders).</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As part of NatWest Group&#8217;s strategy, NatWest Group has set a number of financial, capital and operational targets for NatWest Group including in respect of: CET1 ratio targets, MREL targets, return on tangible equity (&#8216;ROTE&#8217;), funding plans and requirements, employee engagement, diversity and inclusion as well as ESG (including climate and sustainable funding and financing targets) and customer satisfaction targets and discretionary capital distributions (including dividends to shareholders).</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">140</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">See also, &#8216;<i style="font-style:italic;">NatWest Group continues to implement its purpose-led strategy, which carries significant execution and operational risks and may not achieve its stated aims and targeted outcomes</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s ability to meet its targets and to successfully meet its strategy is subject to various internal and external factors and risks. These include but are not limited to: the impact of the COVID-19 pandemic, market, regulatory, macroeconomic and political uncertainties, operational risks and risks relating to NatWest Group&#8217;s business model and strategy (including risks associated with climate, environmental, social, governance and other sustainability-related issues) and litigation, governmental actions, investigations and regulatory matters.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A number of factors, including the economic and other effects of the COVID-19 pandemic, may impact NatWest Group&#8217;s ability to maintain its CET1 ratio target and make discretionary capital distributions. See also, &#8216;<i style="font-style:italic;">NatWest Group may not meet the prudential regulatory requirements for capital and MREL, or manage its capital effectively, which could trigger the execution of certain management actions or recovery options</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There is a risk that NatWest Group may not meet its targets and expectations or be in a position to continue to distribute capital, or that NatWest Group will be a viable, competitive or profitable banking business. Any failure of NatWest Group to meet its targets, successfully meet its strategy or make discretionary capital distributions could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group operates in markets that are highly competitive, with increasing competitive pressures and technology disruption.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The markets within which NatWest Group operates are highly competitive. NatWest Group expects such competition to continue and intensify in response to various changes. These include: evolving customer behaviour, technological changes (including digital currencies, stablecoins and the growth of digital banking, such as from fintech entrants), competitor behaviour, new entrants to the market (including non-traditional financial services providers such as large retail or technology conglomerates, who may have competitive advantages in scale, technology and customer engagement), competitive foreign-exchange offerings, industry trends resulting in increased disaggregation or unbundling of financial services or conversely the re-intermediation of traditional banking services, and the impact of regulatory actions and other factors. In particular, developments in the financial sector resulting from new banking, lending and payment solutions offered by rapidly evolving incumbents, challengers and new entrants, notably with respect to payment services and products, and the introduction of disruptive technology may impede NatWest Group&#8217;s ability to grow or retain its share and impact its revenues and profitability, particularly in its key UK retail and commercial banking segments. Moreover, innovations such as biometrics, artificial intelligence, the cloud, blockchain, cryptocurrencies and quantum computing may rapidly facilitate industry transformation.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These trends have accelerated during the COVID-19 pandemic and may be catalysed by various regulatory and competition policy interventions, including the UK initiative on Open Banking (PSD2), Open Finance and other remedies imposed by the Competition and Markets Authority (CMA) which are designed to further promote competition within retail banking. The competition enhancing measures under NatWest Group&#8217;s independently administered Alternative Remedies Package (&#8216;ARP&#8217;) benefits grant recipients and eligible competitors. The ARP may be more costly than anticipated and may adversely impact customer service for NatWest Group&#8217;s own customers, its competitive position and reputation. Failure to comply with the terms of the scheme could result in the imposition of additional measures or limitations on NatWest Group&#8217;s operations, additional supervision by NatWest Group&#8217;s regulators, and loss of investor confidence, each of which could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook..</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Increasingly many of the products and services offered by NatWest Group are, and will become, more technology intensive. For example, NatWest Group recently invested in a number of fintech ventures, including Mettle, FreeAgent, Tyl, Rapid Cash and Rooster Money. See also, &#8216;<i style="font-style:italic;">NatWest Group continues to implement its purpose-led strategy, which carries significant execution and operational risks and may not achieve its stated aims and targeted outcomes</i>&#8217;. NatWest Group&#8217;s ability to develop such digital solutions (which also need to comply with applicable and evolving regulations) has become increasingly important to retaining and growing NatWest Group&#8217;s customer business in the UK. There can be no certainty that NatWest Group&#8217;s innovation strategy (which includes investment in its IT capability intended to address the material increase in customer use of online and mobile technology for banking as well as selective acquisitions, which carry associated risks) will be successful or that it will allow NatWest Group to continue to grow such services in the future. Certain of NatWest Group&#8217;s current or future competitors may be more successful in implementing innovative technologies for delivering products or services to their customers. NatWest Group may also fail to identify future opportunities or derive benefits from disruptive technologies in the context of rapid technological innovation, changing customer behaviour and growing regulatory demands, resulting in increased competition from traditional banking businesses as well as new providers of financial services, including technology companies with strong brand recognition, that may be able to develop financial services at a lower cost base.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s competitors may also be better able to attract and retain customers and key employees, may have better IT systems, and may have access to lower cost funding and/or be able to attract deposits on more favourable terms than NatWest Group. Although NatWest Group invests in new technologies and participates in industry and research led initiatives aimed at developing new technologies, such investments may be insufficient or ineffective, especially given NatWest Group&#8217;s focus on its cost savings targets. This may limit additional investment in areas such as financial innovation and could therefore affect NatWest Group&#8217;s offering of innovative products or technologies for delivering products or services to customers and its competitive position. Furthermore, the development of innovative products depends on NatWest Group&#8217;s ability to produce underlying high-quality data, failing which its ability to offer innovative products may be compromised.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If NatWest Group is unable to offer competitive, attractive and innovative products that are also profitable and timely, it will lose share, incur losses on some or all of its activities and lose opportunities for growth. In this context, NatWest Group is investing in the automation of certain solutions and interactions within its customer-facing businesses, including through artificial intelligence. Such initiatives may result in operational, reputational and conduct risks if the technology used is defective, inadequate or is not fully integrated into NatWest Group&#8217;s current solutions. There can be no certainty that such initiatives will deliver the expected cost savings and investment in automated processes will likely also result in increased short-term costs for NatWest Group.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">141</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, the implementation of its purpose-led strategy (including in relation to acquisitions, reorganisations and/or partnerships), delivery on its climate ambition, cost-reduction measures, as well as employee remuneration constraints, may also have an impact on its ability to compete effectively and intensified competition from incumbents, challengers and new entrants could affect NatWest Group&#8217;s ability to maintain satisfactory returns. Moreover, activist investors have increasingly become engaged and interventionist in recent years, which may pose a threat to NatWest Group&#8217;s strategic initiatives. Furthermore, continued consolidation or technological or other developments in certain sectors of the financial services industry could result in NatWest Group&#8217;s remaining competitors gaining greater capital and other resources, including the ability to offer a broader range of products and services and geographic diversity, or the emergence of new competitors, each of which may adversely affect NatWest Group&#8217;s business, results of operations and outlook. These and other changes in NatWest Group&#8217;s competitive environment could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">The impact of the COVID-19 pandemic on the credit quality of NatWest Group&#8217;s counterparties may negatively impact NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The effects of the COVID-19 pandemic have adversely affected the credit quality of some of NatWest Group&#8217;s borrowers and other counterparties, and government support schemes may delay the effects of defaults by such counterparties. As government support schemes reduce, defaults are expected to rise with more customers moving from IFRS 9 Stage 2 to Stage 3. As a result, NatWest Group continues to experience elevated exposure to credit risk and demands on its funding, and the long-term effects remain uncertain. If borrowers or other counterparties face increasing levels of debt and default or suffer deterioration in credit, this would increase impairment charges, write-downs, regulatory expected loss and impact credit reserves. See also, &#8216;<i style="font-style:italic;">NatWest Group has significant exposure to counterparty and borrower risk</i>&#8217; and &#8216;<i style="font-style:italic;">NatWest Group&#8217;s financial statements are sensitive to the underlying accounting policies, judgments, estimates and assumptions</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In line with certain mandated COVID-19 pandemic support schemes, NatWest Group has sought to assist affected customers with a number of initiatives including NatWest Group&#8217;s participation in BBLS, CBILS and CLBILS products. NatWest Group has sought to manage the risks of fraud and money laundering against the need for the fast and efficient release of funds to customers and businesses. NatWest Group may be exposed to fraud, conduct and litigation risks arising from inappropriate approval (or denial) of BBLS or CBILS or the enforcing or pursuing repayment of BBLS and CBILS (or a failure to exercise forbearance), which may have a material adverse effect on NatWest Group&#8217;s reputation and results of operations. The implementation of the initiatives and efforts mentioned above may result in litigation, regulatory and government actions and proceedings. These actions may result in judgments, settlements, penalties or fines.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any of the above may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group has significant exposure to counterparty and borrower risk.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group has exposure to many different industries, customers and counterparties, and risks arising from actual or perceived changes in credit quality and the recoverability of monies due from borrowers and other counterparties are inherent in a wide range of NatWest Group&#8217;s businesses. NatWest Group&#8217;s lending strategy and associated processes may fail to identify or anticipate weaknesses or risks in a particular sector, market or borrower, or fail to adequately value physical or financial collateral. This may result in increased default rates or a higher loss given default for loans, which may, in turn, impact NatWest Group&#8217;s profitability. See also, &#8216;<i style="font-style:italic;">Risk and capital management &#8212; Credit Risk</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The credit quality of NatWest Group&#8217;s borrowers and other counterparties may be affected by a deterioration in prevailing economic and market conditions (including those caused by the COVID-19 pandemic) and by the legal and regulatory landscape in the UK and countries where NatWest Group is exposed to credit risk and any deterioration in such conditions or changes to legal or regulatory landscapes (including the extent of the UK&#8217;s post-Brexit divergence from EU laws and regulation). These could worsen borrower and counterparty credit quality or impact the enforcement of contractual rights over security, increasing credit risk.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">An increase in drawings upon committed credit facilities may also increase NatWest Group&#8217;s RWAs. In addition, the level of household indebtedness in the UK remains high. The ability of households to service their debts could be worsened by a period of high unemployment (including as a result of the COVID-19 pandemic), increasing interest rates and higher inflation, particularly if prolonged. NatWest Group may be affected by volatility in property prices (including as a result of the general UK political or economic climate or the COVID-19 pandemic) given that NatWest Group&#8217;s mortgage loan and wholesale property loan portfolios as at 31 December 2021, amounted to &#163;226.5 billion, representing 61% of NatWest Group&#8217;s total customer loan exposure. If property prices were to weaken this could lead to higher impairment charges, particularly if default rates also increase. In addition, NatWest Group&#8217;s credit risk may be exacerbated if the collateral that it holds cannot be realised as a result of market conditions or regulatory intervention or if it is liquidated at prices not sufficient to recover the net amount after accounting for any IFRS 9 provisions already made. This is most likely to occur during periods of illiquidity or depressed asset valuations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Concerns about, or a default by, a financial institution could lead to significant liquidity problems and losses or defaults by other financial institutions, since the commercial and financial soundness of many financial institutions is closely related and interdependent as a result of credit, trading, clearing and other relationships. Any perceived lack of creditworthiness of a counterparty may lead to market-wide liquidity problems and losses for NatWest Group. This systemic risk may also adversely affect financial intermediaries, such as clearing agencies, clearing houses, banks, securities firms and exchanges with which NatWest Group interacts on a daily basis. See also, &#8216;<i style="font-style:italic;">NatWest Group may not be able to adequately access sources of liquidity and funding</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">142</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As a result, adverse changes in borrower and counterparty credit risk may cause accelerated impairment charges under IFRS 9, increased repurchase demands, higher costs, additional write-downs and losses for NatWest Group and an inability to engage in routine funding transactions, which could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group has applied an internal analysis of multiple economic scenarios (MES) together with the determination of specific overlay adjustments to inform its IFRS 9 ECL (Expected Credit Loss). The recognition and measurement of ECL is complex and involves the use of significant judgment and estimation. This includes the formulation and incorporation of multiple forward-looking economic scenarios into ECL to meet the measurement objective of IFRS 9. The ECL provision is sensitive to the model inputs and economic assumptions underlying the estimate. Going forward, NatWest Group anticipates observable credit deterioration of a proportion of assets resulting in a systematic uplift in defaults, which is mitigated by those economic assumption scenarios being reflected in the Stage 2 ECL across portfolios, along with a combination of post model overlays in both wholesale and retail portfolios reflecting the uncertainty of credit outcomes. See also, &#8216;<i style="font-style:italic;">Risk and capital management</i>&#8217;. A credit deterioration would also lead to RWA increases. Furthermore, the assumptions and judgments used in the MES and ECL assessment at 31 December 2021 may not prove to be adequate resulting in incremental ECL provisions for NatWest Group. As government support schemes reduce, defaults are expected to rise with more ECLs cases moving from Stage 2 to Stage 3. Each of these risks may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is exposed to the financial industry, including sovereign debt securities, banks, financial intermediation providers (including providing facilities to financial sponsors and funds, backed by assets or investor commitments) and securitised products (typically senior lending to special purpose vehicles backed by pools of financial assets). Due to NatWest Group&#8217;s exposure to the financial industry, it also has exposure to shadow banking entities (i.e., entities which carry out banking activities outside a regulated framework). NatWest Group is required to identify and monitor its exposure to shadow banking entities, implement and maintain an internal framework for the identification, management, control and mitigation of the risks associated with exposure to shadow banking entities, and ensure effective reporting and governance in respect of such exposure. If NatWest Group is unable to properly identify and monitor its shadow banking exposure, maintain an adequate framework, or ensure effective reporting and governance in respect of shadow banking exposure, this may have a material adverse effect on the business, results of operations and outlook of NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If NatWest Group experiences losses and a reduction in future profitability, this is likely to affect the recoverable value of fixed assets, including goodwill and deferred taxes, which may lead to further write-downs and may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group may not meet the prudential regulatory requirements for capital and MREL, or manage its capital effectively, which could trigger the execution of certain management actions or recovery options.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is required by regulators in the UK, the EU and other jurisdictions in which it undertakes regulated activities to maintain adequate financial resources. Adequate capital provides NatWest Group with financial flexibility in the face of turbulence and uncertainty in the global economy and specifically in its core UK operations. It also permits NatWest Group plc to make discretionary capital distributions (including dividends to shareholders).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As at 31 December 2021, NatWest Group plc&#8217;s CET1 ratio was 18.2% and NatWest Group plc currently targets a CET1 ratio of 13-14% by the end of 2023. NatWest Group plc&#8217;s target capital ratio is based on a combination of its expected regulatory requirements and internal modelling, including stress scenarios and management&#8217;s and/or the Prudential Regulatory Authority&#8217;s (&#8216;PRA&#8217;) views on appropriate buffers above minimum operating levels.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group plc&#8217;s current capital strategy is based on the expected accumulation of additional capital through the accrual of profits over time, planned capital actions (including issuances, redemptions, and discretionary capital distributions), RWA growth in the form of regulatory uplifts and lending growth and other capital management initiatives which focus on improving capital efficiency and ensuring NatWest Group meets its medium to long term targets.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A number of factors may impact NatWest Group plc&#8217;s ability to maintain its current CET1 ratio target and achieve its capital strategy. These include, amongst other things:</p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">a depletion of its capital resources through increased costs or liabilities or reduced profits;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">an increase in the quantum of RWAs in excess of that expected, including due to regulatory changes, or a failure in internal controls or procedures to accurately measure and report RWAs;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">changes in prudential regulatory requirements including NatWest Group plc&#8217;s Total Capital Requirement set by the PRA, including Pillar 2 requirements and regulatory buffers as well as any applicable scalars;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">reduced dividends from NatWest Group&#8217;s subsidiaries because of changes in their financial performance and/or the extent to which local capital requirements exceed NatWest Group plc&#8217;s target ratio; and limitations on the use of double leverage, i.e. NatWest Group plc&#8217;s use of debt to invest in the equity of its subsidiaries, as a result of the Bank of England&#8217;s and/or NatWest Group&#8217;s evolving views on distribution of capital within groups.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A shortage of capital could in turn affect NatWest Group plc&#8217;s capital ratio, and/or its ability to make capital distributions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A minimum level of capital adequacy is required to be met by NatWest Group plc for it to be entitled to make certain discretionary payments, and institutions which fail to meet the combined buffer requirement are subject to restricted discretionary payments. The resulting restrictions are scaled according to the extent of the breach of the combined buffer requirement and calculated as a percentage of the profits of the institution since the last distribution of profits or discretionary payment which gives rise to a maximum distributable amount (MDA) (if any) that the financial institution can distribute through discretionary payments. Any breach of the combined buffer requirement, may necessitate for NatWest Group plc reducing or ceasing discretionary payments (including payments of dividends to shareholders) to the extent of the breach.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">143</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is required to maintain a set quantum of MREL set as the higher of its RWAs or leverage requirement. The Bank of England has identified single point-of-entry as the preferred resolution strategy for NatWest Group. As a result, NatWest Group plc is the only entity that can externally issue securities that count towards its MREL requirements, the proceeds of which can then be downstreamed to meet the internal MREL issuance requirements of its operating entities and intermediate holding companies.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If NatWest Group plc is unable to raise the requisite amount of regulatory capital or MREL, downstream the proceeds of MREL to subsidiaries as required, or to otherwise meet its regulatory capital, MREL and leverage requirements, it may be exposed to increased regulatory supervision or sanctions, loss of investor confidence, constrained or more expensive funding and be unable to make dividend payments on its ordinary shares or maintain discretionary payments on capital instruments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If, under a stress scenario, the level of capital or MREL falls outside of risk appetite, there are a range of recovery management actions (focused on risk reduction and mitigation) that NatWest Group could take to manage its capital levels, but any such actions may not be sufficient to restore adequate capital levels. Under the EU Bank Recovery and Resolution Directives I and II (&#8216;BRRD&#8217;), as implemented in the UK, NatWest Group must maintain a recovery plan acceptable to its regulator, such that a breach of NatWest Group&#8217;s applicable capital or leverage requirements may trigger the application of NatWest Group&#8217;s recovery plan to remediate a deficient capital position. NatWest Group&#8217;s regulator may request that NatWest Group carry out certain capital management actions or, if NatWest Group plc&#8217;s CET1 ratio falls below 7%, certain regulatory capital instruments issued by NatWest Group will be written-down or converted into equity and there may be an issue of additional equity by NatWest Group plc, which could result in the dilution of the holdings of NatWest Group plc&#8217;s existing shareholders. The success of such issuances will also be dependent on favourable market conditions and NatWest Group may not be able to raise the amount of capital required on acceptable terms or at all. Separately, NatWest Group may address a shortage of capital by taking action to reduce leverage exposure and/or RWAs via asset or business disposals. These actions may, in turn, affect, among other things, NatWest Group&#8217;s product offering, credit ratings, ability to operate its businesses, pursue its current strategies and pursue strategic opportunities, any of which may have a material adverse effect on the business, results of operations, outlook, the underlying profitability of NatWest Group and future growth potential. See also, &#8216;<i style="font-style:italic;">NatWest Group may become subject to the application of UK statutory stabilisation or resolution powers which may result in, among other actions, the cancellation, transfer or dilution of ordinary shares, or the write-down or conversion of certain other of NatWest Group&#8217;s securities</i>&#8217;.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group is subject to Bank of England and PRA oversight in respect of resolution, and NatWest Group could be adversely affected should the Bank of England deem NatWest Group&#8217;s preparations to be inadequate.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is subject to regulatory oversight by the Bank of England and the PRA, and is required (under the PRA rulebook) to carry out an assessment of its preparations for resolution, submit a report of the assessment to the PRA, and disclose a summary of this report. The initial report was submitted to the PRA on 30 September 2021 and the Bank of England&#8217;s assessment of NatWest Group&#8217;s preparations is scheduled to be released on 10 June 2022 although the Bank of England may provide feedback before then.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group has dedicated significant resources towards the preparation of NatWest Group for a potential resolution scenario. However, if the Bank of England assessment identifies a significant gap in NatWest Group&#8217;s ability to achieve the resolvability outcomes, or reveals that NatWest Group is not adequately prepared to be resolved, or did not have adequate plans in place to meet resolvability requirements which came into effect on 1 January 2022, NatWest Group may be required to take action to enhance its preparations to be resolvable, resulting in additional costs and the dedication of additional resources. Such a scenario may have an impact on NatWest Group as, depending on the Bank of England&#8217;s assessment, potential action may include, but is not limited to, restrictions on NatWest Group&#8217;s maximum individual and aggregate exposures, a requirement to dispose of specified assets, a requirement to change legal or operational structure, a requirement to cease carrying out certain activities and/or maintaining a specified amount of MREL, consequently impacting NatWest Group&#8217;s strategic plans and having a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook. This may also result in reputational damage and loss of investor confidence.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group may not be able to adequately access sources of liquidity and funding.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is required to access sources of liquidity and funding through retail and wholesale deposits, as well as through the debt capital markets. As at 31 December 2021, NatWest Group plc held &#163;506.1 billion in deposits. The level of deposits may fluctuate due to factors outside NatWest Group&#8217;s control, such as a loss of investor confidence (including in individual NatWest Group entities), sustained low or negative interest rates, government support, increasing competitive pressures for retail and corporate customer deposits or the reduction or cessation of deposits by wholesale depositors, which could result in a significant outflow of deposits within a short period of time. An inability to grow or any material decrease in NatWest Group&#8217;s deposits could, particularly if accompanied by one of the other factors described above, materially affect NatWest Group&#8217;s ability to satisfy its liquidity or funding needs. In turn, this could require NatWest Group to adapt its funding plans.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The effects of the COVID-19 pandemic, current economic uncertainties and any significant market volatility could affect NatWest Group&#8217;s ability to access sources of liquidity and funding, which may result in higher funding costs and failure to comply with regulatory capital, funding and leverage requirements.&#160; As a result, NatWest Group and its subsidiaries could be required to adapt their funding plans.&#160; This could exacerbate funding and liquidity risk, which could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As at 31 December 2021, NatWest Group plc&#8217;s liquidity coverage ratio was 172%. If its liquidity position were to come under stress, and if NatWest Group plc were unable to raise funds through deposits or in the debt capital markets on acceptable terms or at all, its liquidity position could be adversely affected and it might be unable to meet deposit withdrawals on demand or at their contractual maturity, to repay borrowings as they mature, to meet its obligations under committed financing facilities, to comply with regulatory funding requirements, to undertake certain capital and/or debt management activities, or to fund new loans, investments and businesses. NatWest Group may need to liquidate unencumbered assets to meet its liabilities, including disposals of assets not previously identified for disposal to reduce its funding commitments or trigger the execution of certain management actions or recovery options. In a time of reduced liquidity, NatWest Group may be unable to sell some of its assets, or may need to sell assets at depressed prices, which in either case could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">144</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">Any reduction in the credit rating and/or outlooks assigned to NatWest Group plc, any of its subsidiaries or any of their respective debt securities could adversely affect the availability of funding for NatWest Group, reduce NatWest Group&#8217;s liquidity position and increase the cost of funding.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Rating agencies regularly review NatWest Group plc and other NatWest Group entity credit ratings and outlooks, which could be negatively affected by a number of factors that can change over time, including: the credit rating agency&#8217;s assessment of NatWest Group&#8217;s strategy and management&#8217;s capability; its financial condition including in respect of profitability, asset quality, capital, funding and liquidity; the level of political support for the industries in which NatWest Group operates; the implementation of structural reform; the legal and regulatory frameworks applicable to NatWest Group&#8217;s legal structure; business activities and the rights of its creditors; changes in rating methodologies; changes in the relative size of the loss-absorbing buffers protecting bondholders and depositors; the competitive environment, political and economic conditions in NatWest Group&#8217;s key markets (including the impact of the COVID-19 pandemic and any further Scottish independence referendum); any reduction of the UK&#8217;s sovereign credit rating and market uncertainty.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, credit ratings agencies are increasingly taking into account sustainability-related factors, including climate, environmental, social and governance related risk, as part of the credit ratings analysis, as are investors in their investment decisions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any reductions in the credit ratings of NatWest Group plc or of certain other NatWest Group entities, including, in particular, downgrades below investment grade, or a deterioration in the capital markets&#8217; perception of NatWest Group&#8217;s financial resilience could significantly affect NatWest Group&#8217;s access to money markets, reduce the size of its deposit base and trigger additional collateral or other requirements in derivatives contracts and other secured funding arrangements or the need to amend such arrangements, which could adversely affect NatWest Group&#8217;s (and, in particular, NatWest Group plc&#8217;s) cost of funding and its access to capital markets and could limit the range of counterparties willing to enter into transactions with NatWest Group (and, in particular, with NatWest Group plc). This could in turn adversely impact NatWest Group&#8217;s competitive position and have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group may be adversely affected if it fails to meet the requirements of regulatory stress tests.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is subject to annual stress tests by its regulator in the UK and is also subject to stress tests by European regulators with respect to NWM N.V. and Ulster Bank Ireland DAC. Stress tests are designed to assess the resilience of banks to potential adverse economic or financial developments and ensure that they have robust, forward-looking capital planning processes that account for the risks associated with their business profile. If the stress tests reveal that a bank&#8217;s existing regulatory capital buffers are not sufficient to absorb the impact of the stress, then it is possible that the bank will need to take action to strengthen its capital position.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Failure by NatWest Group to meet the quantitative and qualitative requirements of the stress tests as set forth by its UK regulator or those elsewhere may result in: NatWest Group&#8217;s regulators requiring NatWest Group to generate additional capital, reputational damage, increased supervision and/or regulatory sanctions, restrictions on capital distributions and loss of investor confidence, each of which may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook..</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group&#8217;s results could be adversely affected if an event triggers the recognition of a goodwill impairment. NatWest Group capitalises goodwill, which is calculated as the excess of the cost of an acquisition over the net fair value of the identifiable assets, liabilities and contingent liabilities acquired. Acquired goodwill is recognised at cost less any accumulated impairment losses. As required by IFRS, NatWest Group tests goodwill for impairment at least annually, or more frequently when events or circumstances indicate that it might be impaired.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">An impairment test compares the recoverable amount (the higher of the value in use and fair value less cost to sell) of an individual cash generating unit with its carrying value. At 31 December 2021, NatWest Group plc carried goodwill of &#163;5.5 billion on its balance sheet. The value in use and fair value of NatWest Group&#8217;s cash-generating units are affected by market conditions, the economies in which NatWest Group operates and may also be affected by the COVID-19 pandemic.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The goodwill held by NatWest Group plc relies on management&#8217;s assumptions on future profitability. Goodwill is particularly sensitive to changes in assumed future profitability. If actual performance were to fall below management&#8217;s forecasts, then there is a risk that an impairment of goodwill would become necessary.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Where NatWest Group is required to recognise a goodwill impairment, it is recorded in NatWest Group&#8217;s income statement, but it has no effect on NatWest Group&#8217;s regulatory capital position. Changes in such assumptions may result in the carrying balance being impaired, which could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group could incur losses or be required to maintain higher levels of capital as a result of limitations or failure of various models.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Given the complexity of NatWest Group&#8217;s business, strategy and capital requirements, NatWest Group relies on analytical and other models for a wide range of purposes, including to manage its business, assess the value of its assets and its risk exposure, as well as to anticipate capital and funding requirements (including to facilitate NatWest Group&#8217;s mandated stress testing). In addition, NatWest Group utilises models for valuations, credit approvals, calculation of loan impairment charges on an IFRS 9 basis, financial reporting and for financial crime (criminal activities in the form of money laundering, terrorist financing, bribery and corruption, tax evasion and sanctions as well as fraud risk management (collectively, &#8216;financial crime&#8217;)). NatWest Group&#8217;s models, and the parameters and assumptions on which they are based, are periodically reviewed and updated to maximise their accuracy.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">145</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As models analyse scenarios based on assumed inputs and a conceptual approach, model outputs therefore remain uncertain. Failure of models (including due to errors in model design) or new data inputs (including non-representative data sets), for example, to accurately reflect changes in the micro and macroeconomic environment in which NatWest Group operates (for example to account for the impact of the COVID-19 pandemic), to capture risks and exposures at the subsidiary level and to update for changes to NatWest Group&#8217;s current business model or operations, or for findings of deficiencies by NatWest Group&#8217;s regulators (including as part of NatWest Group&#8217;s mandated stress testing), may render some business lines uneconomic, result in increased capital requirements, may require management action or may subject NatWest Group to regulatory sanction. NatWest Group may also face adverse consequences as a result of actions based on models that are poorly developed, implemented or used, models that are based on inaccurate or compromised data or as a result of the modelled outcome being misunderstood, or by such information being used for purposes for which it was not designed. Risks arising from the use of models could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook, minimum capital requirements and reputation.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group&#8217;s financial statements are sensitive to the underlying accounting policies, judgments, estimates and assumptions.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The preparation of financial statements requires management to make judgments, estimates and assumptions that affect the reported amounts of assets, liabilities, income, expenses, exposures and RWAs. While estimates, judgments and assumptions take into account historical experience and other factors, (including market practice and expectations of future events that are believed to be reasonable under the circumstances), actual results may differ due to the inherent uncertainty in making estimates, judgments and assumptions (particularly those involving the use of complex models).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The accounting policies deemed critical to NatWest Group&#8217;s results and financial position, based upon materiality and significant judgments and estimates, which include loan impairment provisions, are set out in <i style="font-style:italic;">&#8216;Critical accounting policies and key sources of estimation uncertainty</i>&#8217;. New accounting standards and interpretations that have been issued by the International</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Accounting Standards Board but which have not yet been adopted by NatWest Group are discussed in &#8216;<i style="font-style:italic;">Future accounting developments</i>&#8217;. Changes resulting from such new accounting standards and interpretations could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">Changes in accounting standards may materially impact NatWest Group&#8217;s financial results.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Changes in accounting standards or guidance by accounting bodies or in the timing of their implementation, whether immediate or foreseeable, could result in NatWest Group having to recognise additional liabilities on its balance sheet, or in further write-downs or impairments to its assets and could also have a material adverse effect on the business, results of operations and outlook of NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The valuation of financial instruments, including derivatives, measured at fair value can be subjective, in particular where models are used which include unobservable inputs. Generally, to establish the fair value of these instruments, NatWest Group relies on quoted market prices or, where the market for a financial instrument is not sufficiently credible, internal valuation models that utilise observable market data. In certain circumstances, the data for individual financial instruments or classes of financial instruments utilised by such valuation models may not be available or may become unavailable due to prevailing market conditions. In these circumstances, NatWest Group&#8217;s internal valuation models require NatWest Group to make assumptions, judgments and estimates to establish fair value, which are complex and often relate to matters that are inherently uncertain.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">The value or effectiveness of any credit protection that NatWest Group has purchased depends on the value of the underlying assets and the financial condition of the insurers and counterparties.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group has some remaining credit exposure arising from over-the-counter derivative contracts, mainly credit default swaps (CDSs), and other credit derivatives, each of which are carried at fair value. The fair value of these CDSs, as well as NatWest Group&#8217;s exposure to the risk of default by the underlying counterparties, depends on the valuation and the perceived credit risk of the instrument against which protection has been bought. Many market counterparties have been adversely affected by their exposure to residential mortgage-linked and corporate credit products, whether synthetic or otherwise, and their actual and perceived creditworthiness may deteriorate rapidly. If the financial condition of these counterparties or their actual or perceived creditworthiness deteriorates, NatWest Group may record further credit valuation adjustments on the credit protection bought from these counterparties under the CDSs. NatWest Group also recognises any fluctuations in the fair value of other credit derivatives. Any such adjustments or fair value changes may have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook..</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group may become subject to the application of UK statutory stabilisation or resolution powers which may result in, among other actions, the cancellation, transfer or dilution of ordinary shares, or the write-down or conversion of certain other of NatWest Group&#8217;s securities.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">HM Treasury, the Bank of England and the PRA and FCA (together, the &#8216;Authorities&#8217;) are granted substantial powers to resolve and stabilise UK-incorporated financial institutions. Five stabilisation options exist: (i) transfer of all of the business of a relevant entity or the shares of the relevant entity to a private sector purchaser; (ii) transfer of all or part of the business of the relevant entity to a &#8216;bridge bank&#8217; wholly-owned by the Bank of England; (iii) transfer of part of the assets, rights or liabilities of the relevant entity to one or more asset management vehicles for management of the transferor&#8217;s assets, rights or liabilities; (iv) the write-down, conversion, transfer, modification, or suspension of the relevant entity&#8217;s equity, capital instruments and liabilities; and (v) temporary public ownership of the relevant entity. These tools may be applied to NatWest Group plc as the parent company or an affiliate where certain conditions are met (such as, whether the firm is failing or likely to fail, or whether it is reasonably likely that action will be taken (outside of resolution) that will result in the firm no longer failing or being likely to fail). Moreover, there are modified insolvency and administration procedures for relevant entities, and the Authorities have the power to modify or override certain contractual arrangements in certain circumstances and amend the law for the purpose of enabling their powers to be used effectively and may promulgate provisions with retrospective applicability.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Under the UK Banking Act, the Authorities are generally required to have regard to specified objectives in exercising the powers provided for by the Banking Act. One of the objectives (which is required to be balanced as appropriate with the other specified objectives) refers to the protection and enhancement of the stability of the financial system of the UK. Moreover, the &#8216;no creditor worse off&#8217; safeguard contained in the Banking Act may not apply in relation to an application of the separate write-down and conversion power relating to capital instruments under the Banking Act, in circumstances where a stabilisation power is not also used. Holders of debt instruments which are subject to the power may, however, have ordinary shares transferred to or issued to them by way of compensation.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">146</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Uncertainty exists as to how the Authorities may exercise their powers including the determination of actions undertaken in relation to the ordinary shares and other securities of NatWest Group, which may depend on factors outside of NatWest Group&#8217;s control. Moreover, the Banking Act provisions remain untested in practice.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If NatWest Group is at or is approaching the point of non-viability such that regulatory intervention is required, any exercise of the resolution regime powers by the Authorities may materially adversely affect holders of NatWest Group plc&#8217;s ordinary shares or other NatWest Group securities. This may result in various actions being undertaken in relation to NatWest Group and any securities of NatWest Group, including cancellation, transfer, dilution, write-down or conversion (as applicable). There may also be a corresponding material adverse effect on the market price of such securities.</p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><b style="color:#42145f;font-size:9pt;font-weight:bold;">Climate and sustainability-related risks</b></p><p style="color:#06b3bb;font-family:'Arial','Helvetica','sans-serif';font-size:8pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;font-weight:normal;">NatWest Group and its customers face significant climate-related risks, including in transitioning to a net zero economy, which may adversely impact NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Climate-related risks and uncertainties are continuing to receive increasing regulatory, judicial, political and societal scrutiny.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial and non-financial risks from climate change arise through physical and transition risks. Furthermore, NatWest Group may also face a variety of climate-related legal risks, both physical and transition, from potential litigation and conduct liability. See also, &#8216;<i style="font-style:italic;">NatWest Group may be subject to potential climate, environmental and other sustainability-related litigation, enforcement proceedings, investigations and conduct risk&#8217;</i>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There are significant uncertainties as to the extent and timing of the manifestation of the physical risks of climate change, such as more severe and frequent extreme weather events (flooding, subsidence, heat waves and long-lasting wildfires), rising sea levels, biodiversity loss and resource scarcity. Damage to NatWest Group customers&#8217; properties and operations could disrupt business, impair asset values and negatively impact the creditworthiness of customers leading to increased default rates, delinquencies, write-offs and impairment charges in NatWest Group&#8217;s portfolios. In addition, NatWest Group premises and operations, or those of its critical outsourced functions may experience damage or disruption leading to increased costs and negatively affecting NatWest Group&#8217;s business continuity and reputation.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In October 2021, the UK Government published its Net Zero Strategy which sets out how the UK will deliver on its commitment to reach net zero emissions by 2050. The timing, content and implementation of the specific policies and proposals remain uncertain. Widespread transition to a net zero economy across all sectors of the economy and markets in which NatWest Group operates will be required to meet the goals of the 2015 Paris Agreement, the UK&#8217;s Net Zero Strategy and the Glasgow Climate Pact of 2021. The impact of the extensive commercial, technological, policy and regulatory changes required to achieve transition remains uncertain, but it is expected to be significant and may be disruptive across the global economy and markets, especially if these changes do not occur in an orderly or timely manner or are not effective in reducing emissions sufficiently. Some sectors such as property, energy (including oil and gas), mining, infrastructure, transport (including automotive and aviation) and agriculture are expected to be particularly impacted. The timing and pace of the transition to a net zero economy is also uncertain and may be near term, gradual and orderly or delayed, rapid and disorderly, or the combination of these.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Climate-related risks may be drivers of several different risk categories simultaneously and may exacerbate existing risks, including credit risk, operational risk (business continuity), market risk (both traded and non-traded), liquidity and funding risk (for example, net cash outflows or depletion of liquidity buffers).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If NatWest Group fails to adapt its business and operating model in a timely manner to the climate-related risks and opportunities and changing regulatory and market expectations, or to appropriately identify, measure, manage and mitigate climate change related physical, transition and legal risks and opportunities that NatWest Group, its customers and value chain face, it may have a material adverse effect on NatWest Group&#8217;s reputation, business, operations or value chain and results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group&#8217;s purpose-led strategy includes climate change as one of its three areas of focus. This is likely to require material changes to the business and operating model of NatWest Group which entails significant execution risk.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In February 2020, NatWest Group announced its ambition to become a leading bank on climate in the UK, helping to address the climate challenge by setting itself the challenge to at least halve the climate impact of its financing activity by 2030 and intending to do what is necessary to achieve alignment with the 2015 Paris Agreement. In addition, in April 2021, NatWest Group by joining the Net Zero Banking Alliance &#39;Business Ambition to 1.5C&#39;, stated its ambition to reach net zero by 2050.<span style="color:#333333;">&#160;Furthermore, a</span>s part of its efforts to support the transition to a net zero economy, NatWest Group has also announced its ambitions to phase out of coal for UK and non UK customers who have UK coal production, coal fired generation and coal related infrastructure&#160;by 1 October 2024, with a full global phase out by 1 January 2030; to plan to stop financing new customer relationships with corporate customers who explore for, extract or produce coal or operate unabated coal powered plants; and that it would not provide services to existing customers who are increasing coal mining activity by exploring for new coal, developing new coal mines or increasing thermal coal production.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">To achieve its 2030 and 2050 ambitions, NatWest Group has also announced other climate ambitions, targets and commitments, and going-forward it may also announce other climate ambitions, targets and commitments, including science-based targets to be validated by the Science Based Target Initiative.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Making the changes necessary to achieving these ambitions may materially affect NatWest Group&#8217;s business and operations and will require significant reductions to its financed emissions and to its exposure to customers that do not align with a transition to a net zero economy or do not have a credible transition plan. Increases in lending and financing activities may wholly or partially offset some or all of these reductions, which may increase the extent of changes and reductions necessary. It is anticipated that achieving these reductions, together with the active management of climate-related risks and other regulatory, policy and market changes, are likely to necessitate material and accelerated changes to NatWest Group&#8217;s business, operating model and existing exposures (potentially on accelerated timescales and outside of risk appetite) which may have a material adverse effect on NatWest Group&#8217;s ability to achieve its financial targets and generate sustainable returns.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">147</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s ability to achieve theses ambitions, targets and commitments will depend to a large extent on many factors and uncertainties beyond NatWest Group&#8217;s control. These include the macroeconomic environment, the extent and pace of climate change, including the timing and manifestation of physical and transition risks, the effectiveness of actions of governments, legislators, regulators, businesses, investors, customers and other stakeholders to adapt and/or mitigate the impact of climate-related risks, changes in customer behaviour and demand, the challenges related with the implementation and integration of adoption policy tools, changes in the available technology for mitigation and adaptation, the availability of accurate, verifiable, reliable, consistent and comparable data. See also, &#8216;NatWest Group continues to implement its purpose-led strategy, which carries significant execution and operational risks and may not achieve its stated aims and targeted outcomes<i style="font-style:italic;">&#8217;</i> and &#8216;<i style="font-style:italic;">There are significant challenges in relation to climate-related data due to quality and other limitations, lack of standardisation, consistency and incompleteness which amongst other factors contribute to the significant uncertainties inherent in accurately modelling the impact of climate-related risks</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These internal and external factors and uncertainties will make it challenging for NatWest Group to meet its climate ambitions, targets and commitments and there is a significant risk that all or some of them will not be achieved.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any delay or failure in setting, making progress against or meeting NatWest Group&#8217;s climate-related ambitions, targets and commitments may have a material adverse effect on NatWest Group, its reputation, business, results of operations, outlook, market and competitive position and may increase the climate-related risks NatWest Group faces.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Any failure by NatWest Group to implement effective and compliant climate change resilient systems, controls and procedures could adversely affect NatWest Group&#8217;s ability to manage climate-related risks.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The prudential regulation of climate-related risks is an important driver in how NatWest Group develops its risk appetite for financing activities or engaging with counterparties that do not align with a transition to a net zero economy or do not have a credible transition plan.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Legislative and regulatory authorities are publishing expectations as to how banks should prudently manage and transparently disclose climate-related and environmental risks under prudential rules.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In April 2019, the PRA published a supervisory statement (the &#8216;SS 3/19&#8217;) with particular focus on the management of financial risks from climate change with respect to governance, risk management, scenario analysis and disclosures.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Following the submission of initial plans by UK banks in October 2019, in July 2020 the PRA issued a &#8216;Dear CEO&#8217; letter requiring firms to embed fully their approaches to managing climate-related financial risks by the end of 2021. In response, on 8 October 2020, NatWest Group provided the PRA with an update to its original plan noting that the COVID-19 pandemic had disrupted some elements of NatWest Group&#8217;s original plan and, as a result, the updated plan would require additional operating cycles reaching into 2022 and beyond to prove embedding. Subsequently the PRA issued its &#8216;Climate Change Adaptation Report&#8217; in October 2021 advising firms of the need to continue to refine and innovate ways to further integrate the financial risks from climate change within risk management practices and it restated that by the end of 2021, firms should be able to demonstrate that the expectations set out in SS3/19 have been implemented and embedded throughout the firms&#8217; organisation as fully as possible. In January 2022, NatWest Group provided the PRA with an update on how it has addressed the commitments made in its October 2020 plan, noting the delivery of a 1st generation, largely qualitative in nature, approach to supervisory requirements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In June 2021, the Bank of England launched its 2021 Biennial Exploratory Scenario (&#8216;CBES&#8217;) to stress test the resilience of the current business models of the largest banks, insurers and the financial system to the physical and transition risks from climate change under three climate scenarios. NatWest Group delivered its CBES submission to the PRA in October 2021. The Bank of England has since announced that the CBES is likely to include a second round over February and March 2022, which is likely to be largely qualitative in nature.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The Bank of England guidance for the CBES confirmed that it is exploratory in nature and not intended to be used to set capital requirements. In the aforementioned &#8216;Climate Change Adaptation Report 2021&#8217;, the Bank of England confirmed that over the coming year it will undertake further analysis to explore enhancements to the regulatory capital frameworks as they relate to climate related financial risk. To support this work, the Bank of England will put out a &#8216;Call for Papers&#8217; and host a Research Conference on the interaction between climate change and capital in Q4 2022. Informed by these steps and internal analysis, the Bank of England is expected to publish a follow-up report on the use of capital including on the role of any future scenario exercises by the end of 2022. It is therefore likely that in the coming years financial institutions, including NatWest Group, may be required to hold additional capital to enhance their resilience against systemic and/or institution specific vulnerabilities to climate-related financial risks, which could, in turn, have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook..</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any failure of NatWest Group to fully and timely embed climate-related risks into its risk management practices and framework to appropriately identify, measure, manage and mitigate the various climate-related physical and transition risks and apply the appropriate product governance in line with applicable legal and regulatory requirements and expectations, may have a material and adverse effect on NatWest Group&#8217;s regulatory compliance, prudential capital requirements, liquidity position, reputation, business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">148</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">There are significant challenges in relation to climate-related data due to quality and other limitations, lack of standardisation, consistency and incompleteness which amongst other factors contribute to the significant uncertainties inherent in accurately modelling the impact of climate-related risks.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Meaningful reporting of climate-related risks and opportunities and their potential impacts and related metrics depend on access to accurate, reliable, consistent and comparable climate-related data from counterparties or customers. These may not be generally available or, if available, may not be accurate, verifiable, reliable, consistent, or comparable. Any failure of NatWest Group to incorporate climate-related factors into its counterparty and customer data sourcing and accompanying analytics, or to develop accurate, reliable, consistent and comparable counterparty and customer data, may have a material adverse effect on NatWest Group&#8217;s ability to prepare meaningful reporting of climate-related risks and opportunities, its regulatory compliance, reputation, business and its competitive position.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the absence of other sources, reporting of financed emissions by financial institutions, including NatWest Group, is necessarily based therefore on aggregated information developed by third parties that may be prepared in an inconsistent way using different methodologies, interpretations, or assumptions. Accordingly, our climate-related disclosures use a greater number and level of assumptions and estimates than many of our financial disclosures. These assumptions and estimates are highly likely to change over time, and, when coupled with the longer time frames used in these climate related disclosures, make any assessment of materiality inherently uncertain. In particular, in the absence of actual emissions monitoring and measurement, emissions estimates are based on industry and other assumptions that may not be accurate for a given counterparty or customer. There may also be data gaps, particularly for private companies, that are filled using proxy data, such as sectoral averages, again developed in different ways. As a result, our climate related disclosures may be amended, updated or restated in the future as the quality and completeness of our data and methodologies continue to improve. These data quality challenges, gaps and limitations could have a material impact on NatWest Group&#8217;s ability to make effective business decisions about climate risks and opportunities, including risk management decisions, comply with disclosure requirements and our ability to monitor and report our progress in meeting our ambitions, targets and commitments, which could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Significant risks, uncertainties and variables are inherent in the assessment, measurement and mitigation of climate-related risks. These include data quality gaps and limitations mentioned above, the pace at which climate science, greenhouse gas accounting standards and various emissions reduction solutions develop. In addition, there is a significant uncertainty about how climate change and the transition to a net zero economy will unfold over the coming decades and affect how and when climate-related risks will manifest. These timeframes are considerably longer than NatWest Group&#8217;s historical strategic, financial, resilience and investment planning horizons.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As a result, it is very difficult to predict and model the impact of climate-related risks into precise financial and economic outcomes and impacts. Climate-related risks present significant methodological challenges due to their forward-looking nature, the lack and/or quality of historical testing capabilities, lack of standardisation and incompleteness of emissions and other climate and sub-sector related data and the immature nature of risk measurement and modelling methodologies. The evaluation of climate-related risk exposure and the development of associated potential risk mitigation techniques largely depend on the choice of climate scenario modelling methodology and the assumptions made which involves a number of risks and uncertainties, for example</p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">climate scenarios are not predictions of what is likely to happen or what NatWest Group would like to happen, they rather explore the possible implications of different judgments and assumptions by considering a series of scenarios;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">climate scenarios do not provide a comprehensive description of all possible future outcomes;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">it requires a special skill set that banks traditionally do not have and therefore NatWest Group needs to rely on third party advice, modelling, and data which is also subject to many limitations and uncertainties;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">modelling approaches and data on climate-related risks on financial assets is immature in nature and it is expected that techniques and understanding will evolve rapidly in the coming years;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">it is challenging to benchmark or back test the climate scenarios given their forward-looking nature and the multiple possible outcomes;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">there is a significant uncertainty as to how the climate will evolve over time, how and when governments, regulators, businesses, investors and customers respond and how those responses impact the economy, asset valuations, land systems, energy systems, technology, policy and wider society;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">the assumptions will be continually evolving with more data/information which may affect the baselines for comparability across reporting periods and impact internal and external verification processes; and</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">the pace of the development of the methodologies across different sectors may be different and therefore it may be challenging to report on the whole balance sheet with regard to emissions.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Accordingly, these risks and uncertainties coupled with significantly longer timeframes make the outputs of climate-related risk modelling, including emissions reductions targets and pathways, inherently more uncertain than outputs modelled for traditional financial planning cycles based on historical financial information.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Capabilities within NatWest Group to appropriately assess, model and manage climate-related risks and the suitability of the assumptions required to model and manage climate-related risks appropriately are developing. Even when those capabilities are developed, the high level of uncertainty regarding any assumptions modelled, the highly subjective nature of risk measurement and mitigation techniques, incorrect or inadequate assumptions and judgments and data quality gaps and limitations may lead to inadequate risk management information and frameworks, or ineffective business adaptation or mitigation strategies, which may have a material adverse impact on NatWest Group&#8217;s regulatory compliance, reputation, business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">149</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">A failure to adapt NatWest Group&#8217;s business strategy, governance, procedures, systems and controls to manage emerging sustainability-related risks and opportunities may have a material adverse effect on NatWest Group, its reputation, business, results of operations and outlook.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Investors, customers, international organisations, regulators and other stakeholders are increasingly focusing on identification, measurement, management and mitigation of &#8216;sustainability-related&#8217; risks and opportunities such as environmental (including biodiversity and loss of natural capital); social (including diversity and inclusion, the living wage, fair taxation and value chains); and governance (including board diversity, ethics, executive compensation and management structure) related risks and opportunities and on long term sustainable value creation.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Financial institutions, including NatWest Group, are directly and indirectly exposed to multiple types of environmental and biodiversity-related risk through their activities, including risk of default by clients. Additionally, there is a growing need to move from safeguards and interventions that focus on reducing negative impacts on environment and biodiversity towards those that focus on increasing positive impact on environment and biodiversity and nature-based solutions. In 2021, NatWest Group accordingly classified &#8216;Biodiversity and Nature Loss&#8217; as an emerging risk for NatWest Group within its Risk Management Framework. This is an evolving and complex area which requires collaborative approaches with partners, stakeholders and peers to help measure and mitigate negative impacts of financing activities on the environment, biodiversity and nature as well as supporting the growing sector of nature-based solutions, habitat restoration and biodiversity markets. NatWest Group is in the early stages of developing its approach and NatWest Group recognises the need for more progress.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There is also increased investor, regulatory and customer scrutiny regarding how businesses address social issues, including tackling inequality, working conditions, workplace health, safety and wellbeing, diversity and inclusion, data protection and management, workforce management, human rights and supply chain management which may impact NatWest Group&#8217;s employees, customers, and their business activities or the communities in which they operate. There is also growing attention on the need for a &#39;just transition&#39; and &#8220;energy justice&#8221; &#8211; in recognition that the transition to a net zero economy should not disproportionally affect the most disadvantaged members of society.&#160;The increased focus on these issues may create reputational and other risks for financial institutions, including NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition to climate-related risks, sustainability-related risks (i) may also adversely affect economic activity, asset pricing and valuations of issuers&#8217; securities and, in turn, the wider financial system; (ii) may impact economic activities directly (for example through lower corporate profitability or the devaluation of assets) or indirectly (for example through macro-financial changes); (iii) may also affect the viability or resilience of business models over the medium to longer term, particularly those business models most vulnerable to sustainability-related risks; (iv) can trigger further losses stemming directly or indirectly from legal claims (liability risks) and reputational damage as a result of the public, customers, counterparties and/or investors associating NatWest Group or its customers with adverse sustainability-related issues; and (v) intersect with and further complexity and challenge to achieving our purpose-led strategy including climate ambitions, targets and commitments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Together with climate-related risks, these risks may combine to generate even greater adverse effects on our business.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Furthermore, sustainability-related risks may be drivers of several different risk categories simultaneously and may exacerbate the risks described herein, including credit risk, operational risk (business continuity), market risk (both traded and non-traded), liquidity and funding risk (for example, net cash outflows or depletion of liquidity buffers).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Accordingly, any failure or delay by NatWest Group to successfully adapt its business strategy and to establish and maintain effective governance, procedures, systems and controls in response to these issues, and to manage these emerging sustainability-related risks and opportunities may have a material adverse impact NatWest Group&#8217;s reputation, liquidity position, business, results of operations, outlook and the value of NatWest Group&#8217;s securities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Any reduction in the ESG ratings of NatWest Group could have a negative impact on NatWest Group&#8217;s reputation and on investors&#8217; risk appetite and customers&#8217; willingness to deal with NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">ESG ratings from agencies and data providers which rate how NatWest Group manages environmental, social and governance risks are increasingly influencing investment decisions or being used as a basis to label financial products and services as green or sustainable. ESG ratings are (i) unsolicited; (ii) subject to the assessment and interpretation by the ESG rating agencies; (iii) provided without warranty; (iv) not a sponsorship, endorsement, or promotion of NatWest Group by the relevant rating agency; and (v) may depend on many factors some of which are beyond NatWest Group&#8217;s control (e.g. any change in rating methodology). Any reduction in the ESG ratings of NatWest Group could have a negative impact on NatWest Group&#8217;s reputation and could influence investors&#8217; risk appetite for NatWest Group&#8217;s and/or its subsidiaries&#8217; securities, particularly ESG securities and could affect a customer&#8217;s willingness to deal with NatWest Group. Any of the above could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Increasing levels of climate, environmental and sustainability-related laws, regulation and oversight may adversely affect NatWest Group&#8217;s business and expose NatWest Group to increased costs of compliance, regulatory sanction and reputational damage.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There are an increasing number of EU, UK and other regulatory and legislative initiatives to address issues around climate, environmental and sustainability risks and opportunities and to promote the transition to a net zero economy. As a result, an increasing number of laws, regulations, legislative actions are likely to affect the financial sector and the real economy, including proposals, guidance, policy and regulatory initiatives many of which have been introduced or amended recently and are subject to further changes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Many of these initiatives are focused on developing standardized definitions for green and sustainable criteria of assets and liabilities, integrating climate change and sustainability into decision-making and customers access to green and sustainable financial products and services which may have a significant impact on the services provided by NatWest Group and its subsidiaries, especially mortgage lending, and its associated credit, market and financial risk profile. They could also impact NatWest Group&#8217;s recognition of its climate and sustainable funding and financing activity and may adversely affect NatWest Group&#8217;s ability to achieve its climate strategy and climate and sustainable funding and financing ambitions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">150</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, NatWest Group and its subsidiaries are and will be subject to increasing entity wide climate-related and other non-financial disclosure requirements pursuant to the recommendations of the Task Force on Climate-related Financial Disclosure (&#8216;TCFD&#8217;) and under other regimes. From February 2022, NatWest Group will be required to provide enhanced climate-related disclosures consistent with the TCFD recommendations to comply with the FCA Policy Statement on the new Listing Rules (PS 20/17) that require commercial companies with a UK premium listing &#8211; such as NatWest Group - to make climate related disclosures, consistent with TCFD, on a &#8216;comply or explain&#8217; basis. The FCA is proposing to expand this requirement to a wider scope of listed issuers which would include NatWest Group&#8217; subsidiaries as it moves towards mandatory TCFD reporting across the UK economy by 2025. See also, &#8216;<i style="font-style:italic;">There are significant challenges in relation to climate-related data due to quality and other limitations, lack of standardisation, consistency and incompleteness which amongst other factors contribute to the significant uncertainties inherent in accurately modelling the impact of climate-related risks</i>&#8217;.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, NatWest Group&#8217;s EU subsidiaries and branches are and will continue to be subject to an increasing array of the EU/EEA climate and sustainability-related legal and regulatory requirements. These requirements may be used as the basis for UK laws and regulations (such as the UK Green Taxonomy) or regarded by investors and regulators as best practice standards whether or not they apply to UK businesses. Any divergence between UK, EU/EEA and US climate and sustainability-related legal and regulatory requirements may result in NatWest Group not meeting investors&#8217; expectations, may increase the cost of doing business and may restrict access of NatWest Group&#8217;s UK business to the EU/EEA market.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is also participating in various voluntary carbon reporting and other standard setting initiatives for disclosing climate and sustainability-related information, many of which have differing objectives and methodologies and are at different stages of development in terms of how they apply to financial institutions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Compliance with these developing and evolving climate and sustainability-related requirements is likely to require NatWest Group to implement significant changes to its business models, product and other governance, internal controls over financial reporting, disclosure controls and procedures, modelling capability and risk management systems, which may increase the cost of doing business, entail additional change risk and compliance costs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Failure to implement and comply with these legal and regulatory requirements or emerging best practice expectations may have a material adverse effect on NatWest Group&#8217;s regulatory compliance and may result in regulatory sanction, reputational damage and investor disapproval each of which could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group may be subject to potential climate, environmental and other sustainability-related litigation, enforcement proceedings, investigations and conduct risk.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Due to increasing new climate and sustainability-related jurisprudence, laws and regulations in the UK and other jurisdictions, growing demand from investors and customers for environmentally sustainable products and services, and regulatory scrutiny, financial institutions, including NatWest Group, may through their business activities face increasing litigation, conduct, enforcement and contract liability risks related to climate change, environmental degradation and other social, governance and sustainability-related issues.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These risks may arise, for example, from claims pertaining to : (i) failures to meet obligations, targets or commitments relating to, or to disclose accurately, or provide updates on material climate and/or sustainability related risks, or otherwise provide appropriate disclosure to investors, customers, counterparties and other stakeholders; (ii) conduct, mis-selling and other customer protection type claims; (iii) marketing that portrays products, securities, activities or policies as producing positive climate, environmental or sustainable outcomes to an extent that may not the case; (iv) damages claims under various tort theories, including common law public nuisance claims, or negligent mismanagement of physical and/or transition risks; (v) alleged violations of officers&#8217;, directors&#8217; and other fiduciaries&#8217; fiduciary duties, for example by financing various carbon-intensive, environmentally harmful or otherwise highly exposed assets, companies, and industries; (vi) changes in understanding of what constitutes positive climate, environmental or sustainable outcomes as a result of developing climate science, leading to discrepancy between current product offerings and investor and/or market and/or broader stakeholder expectations; (vii) any weaknesses or failures in specific systems or processes associated particularly with climate, environmental or sustainability linked products, including any failure in timely implementation, onboarding and/or updating of such systems or processes; or (viii) counterparties, collaborators and third parties in NatWest Group&#8217;s value chain action who act, or fail to act, or undertake due diligence, or apply appropriate risk management and product governance in a manner that impacts NatWest Group&#8217;s reputation or sustainability credentials.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Furthermore, there is a risk that shareholders, campaign groups, customers and special interest groups could seek to take legal action against NatWest Group for financing or contributing to climate change and environmental degradation and for not supporting the principles of &#8220;just transition&#8221; (i.e. maximising the social benefits of the transition, mitigating the social risks of the transition, empowering those affected by the change, anticipating future shifts to address issues up front and mobilising investments from the public and private sectors).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There is a risk that as climate science develops and societal understanding of climate science increases and deepens, courts, regulators and enforcement authorities may apply the then current understandings of climate related matters retrospectively when assessing claims about historic conduct or dealings of financial institutions, including NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These potential litigation, conduct, enforcement and contract liability risks may have a material adverse effect on NatWest Group&#8217;s ability to achieve its strategy, including its climate ambition, and they could have a material adverse effect on NatWest Group&#8217;s reputation, business, financial results, position and prospects, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">151</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Operational and IT resilience risk</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Operational risks (including reliance on third party suppliers and outsourcing of certain activities) are inherent in NatWest Group&#8217;s businesses.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Operational risk is the risk of loss resulting from inadequate or failed internal processes, procedures, people or systems, or from external events, including legal risks. NatWest Group operates in a number of countries, offering a diverse range of products and services supported directly or indirectly by third party suppliers. As a result, operational risks or losses can arise from a number of internal or external factors (including financial crime and fraud), for which there may now be a risk of greater scrutiny by third parties on NatWest Group&#8217;s compliance with financial crime requirements; see &#8216;<i style="font-style:italic;">NatWest Group is exposed to the risks of various litigation matters, regulatory and governmental actions and investigations as well as remedial undertakings, including conduct-related reviews, anti-money laundering and redress projects, the outcomes of which are inherently difficult to predict, and which could have an adverse effect on NatWest Group</i>&#8217;). These risks are also present when NatWest Group relies on third-party suppliers or vendors to provide services to it or its customers, as is increasingly the case as NatWest Group outsources certain activities, including with respect to the implementation of new technologies, innovation and responding to regulatory and market changes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Operational risks continue to be heightened as a result of the implementation of NatWest Group&#8217;s purpose-led strategy, including NatWest Group&#8217;s phased withdrawal from ROI, NatWest Group&#8217;s current cost-reduction measures and conditions affecting the financial services industry generally (including the COVID-19 pandemic and other geo-political developments) as well as the legal and regulatory uncertainty resulting therefrom. It is unclear as to how the future ways of working may evolve, including in respect of how working practices may develop, or how NatWest Group will evolve to best serve its customers. Any of the above may place significant pressure on NatWest Group&#8217;s ability to maintain effective internal controls and governance frameworks.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The effective management of operational risks is critical to meeting customer service expectations and retaining and attracting customer business. Although NatWest Group has implemented risk controls and mitigation actions, with resources and planning having been devoted to mitigate operational risk, such measures may not be effective in controlling each of the operational risks faced by NatWest Group. Ineffective management of such risks could have a material adverse effect on affect NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group is subject to increasingly sophisticated and frequent cyberattacks.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group experiences a constant threat from cyberattacks across the entire NatWest Group and against NatWest Group&#8217;s supply chain, reinforcing the importance of due diligence of and close working relationship with the third parties on which NatWest Group relies. NatWest Group is reliant on technology, against which there is a constantly evolving series of attacks that are increasing in terms of frequency, sophistication, impact and severity. As cyberattacks evolve and become more sophisticated, NatWest Group is required to continue to invest in additional capability designed to defend against the emerging threats. In 2021, NatWest Group and its supply chain were subjected to a small number of Distributed Denial of Service (&#8216;DDOS&#8217;) and ransomware attacks, which are a pervasive and significant threat to the global financial services industry. The focus is to manage the impact of the attacks and sustain availability of services for NatWest Group&#8217;s customers. NatWest Group continues to invest significant resources in the development and evolution of cyber security controls that are designed to minimise the potential effect of such attacks<span style="color:#1f487c;">.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Hostile attempts are made by third parties to gain access to, introduce malware (including ransomware) into and exploit vulnerabilities of, NatWest Group&#8217;s IT systems. NatWest Group has information and cyber security controls in place to minimise the impact of any attack, which are subject to review on a continuing basis but given the nature of the threat, there can be no assurance that such measures will prevent all attacks in the future. See also, &#8216;<i style="font-style:italic;">NatWest Group&#8217;s operations are highly dependent on its complex IT systems (including those that enable remote working) and any IT failure could adversely affect NatWest Group&#8217;</i>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any failure in NatWest Group&#8217;s cybersecurity policies, procedures or controls, may result in significant financial losses, major business disruption, inability to deliver customer services, or loss of data or other sensitive information (including as a result of an outage) and may cause associated reputational damage. Any of these factors could increase costs (including costs relating to notification of, or compensation for customers, credit monitoring or card reissuance), result in regulatory investigations or sanctions being imposed or may affect NatWest Group&#8217;s ability to retain and attract customers. Regulators in the UK, US, Europe and Asia continue to recognise cybersecurity as an important systemic risk to the financial sector and have highlighted the need for financial institutions to improve their monitoring and control of, and resilience (particularly of critical services) to cyberattacks, and to provide timely notification of them, as appropriate.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Additionally, third parties may also fraudulently attempt to induce employees, customers, third-party providers or other users who have access to NatWest Group&#8217;s systems to disclose sensitive information in order to gain access to NatWest Group&#8217;s data or that of NatWest Group&#8217;s customers or employees. Cybersecurity and information security events can derive from groups or factors such as: internal or external threat actors, human error, fraud or malice on the part of NatWest Group&#8217;s employees or third parties, including third party providers, or may result from accidental technological failure.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group expects greater regulatory engagement, supervision and enforcement to continue at a high level in relation to its overall resilience to withstand IT and related disruption, either through a cyberattack or some other disruptive event. Such increased regulatory engagement, supervision and enforcement is uncertain in relation to the scope, cost, consequence and the pace of change, which could negatively impact NatWest Group. Due to NatWest Group&#8217;s reliance on technology and the increasing sophistication, frequency and impact of cyberattacks, such attacks may have a material adverse impact on NatWest Group, its business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In accordance with the Data Protection Act 2018 and the European Union Withdrawal Act 2018, the Data Protection, Privacy and Electronic Communications (Amendments Etc.) (EU Exit) Regulations 2019, as amended by the Data Protection, Privacy and Electronic Communications (Amendments Etc.) (EU Exit) Regulations 2020 (&#8216;UK Data Protection Framework&#8217;) and European Banking Authority (&#8216;EBA&#8217;) Guidelines on ICT and Security Risk Management, NatWest Group is required to ensure it implements timely, appropriate and effective organisational and technological safeguards against unauthorised or unlawful access to the data of NatWest Group, its customers and its employees. In order to meet this requirement, NatWest Group relies on the effectiveness of its internal policies, controls and procedures to protect the confidentiality, integrity and availability of information held on its IT systems, networks and devices as well as with third parties with whom NatWest Group interacts. A failure to monitor and manage data in accordance with the UK Data Protection Framework and EBA requirements of the applicable legislation may result in financial losses, regulatory fines and investigations and associated reputational damage.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">152</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group operations and strategy are highly dependent on the accuracy and effective use of data.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group relies on the effective use of accurate data to support, monitor, evaluate, manage and enhance its operations and deliver its strategy. The availability of current, complete, detailed, accurate and, wherever possible, machine-readable customer segment and sub-sector data, together with appropriate governance and accountability for data, is fast becoming a critical strategic asset, which is subject to increased regulatory focus. Failure to have that data or the ineffective use or governance of that data could result in a failure to manage and report important risks and opportunities or satisfy customers&#8217; expectations including the inability to deliver innovative products and services. This could also result in a failure to deliver NatWest Group&#8217;s strategy and could place NatWest Group at a competitive disadvantage by increasing its costs, inhibiting its efforts to reduce costs or its ability to improve its systems, controls and processes, which could result in a failure to deliver NatWest Group&#8217;s strategy. These data limitations, or the unethical or inappropriate use of data, and/or non-compliance with customer data protection laws could give rise to conduct and litigation risks and may increase the risk of operational events, losses or other adverse consequences due to inappropriate models, systems, processes, decisions or other actions, which in turn could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group&#8217;s operations are highly dependent on its complex IT systems (including those that enable remote working) and any IT failure could adversely affect NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s operations are highly dependent on the ability to process a very large number of transactions efficiently and accurately while complying with applicable laws and regulations. The proper functioning of NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s payment systems, financial crime, fraud systems and controls, risk management, credit analysis and reporting, accounting, customer service and other IT systems, as well as the communication networks between its branches and main data processing centres, is critical to NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s operations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Individually or collectively, any critical system failure, material loss of service availability or material breach of data security could cause serious damage to NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to provide services to its customers, which could result in reputational damage, significant compensation costs or regulatory sanctions (including fines resulting from regulatory investigations) or a breach of applicable regulations and could affect its regulatory approvals, competitive position, business and brands, which could undermine its ability to attract and retain customers. This risk is heightened as most of NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s employees continue to work remotely, as it outsources certain functions and as it continues to innovate and offer new digital solutions to its customers as a result of the trend towards online and mobile banking.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In 2021, NatWest Group continued to make considerable investments to further simplify, upgrade and improve its IT and technology capabilities (including migration of certain services to cloud platforms). NatWest Group also continues to develop and enhance digital services for its customers and seeks to improve its competitive position through enhancing controls and procedures and strengthening the resilience of services including cyber security. Any failure of these investment and rationalisation initiatives to achieve the expected results, due to cost challenges or otherwise, could negatively affect NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s operations, its reputation and ability to retain or grow its customer business or adversely impact its competitive position, which could have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Remote working may adversely affect NatWest Group&#8217;s ability to maintain effective internal controls.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">From March 2020 to September 2021, many of NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s employees worked exclusively on a remote basis. Following the lifting of government restrictions, NatWest Group will implement a new hybrid working policy whereby many employees may work remotely the majority of the time in the ordinary course of their roles.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Remote working arrangements for NatWest Group employees continues to place heavy reliance on the IT systems that enable remote working and increased exposure to fraud, conduct, operational and other risks and may place additional pressure on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to maintain effective internal controls and governance frameworks. Remote working arrangements are also subject to regulatory scrutiny to ensure adequate recording, surveillance and supervision of regulated activities, and compliance with regulatory requirements and expectations, including requirements to: meet threshold conditions for regulated activities; ensure the ability to oversee functions (including any outsourced functions); ensure no detriment is caused to customers; and ensure no increased risk of financial crime. See also, <span style="font-family:'RN House Sans Regular';">&#8216;</span><i style="font-style:italic;">A failure in NatWest Group</i><i style="font-family:'RN House Sans Regular';font-style:italic;">&#8217;</i><i style="font-style:italic;">s risk management framework could adversely affect NatWest Group, including its ability to achieve its strategic objectives</i>.<span style="font-family:'RN House Sans Regular';">&#8217;</span> Moreover, the IT systems that enable remote working interface with third-party systems, and NatWest Group could experience service denials or disruptions if such systems exceed capacity or if a third-party system fails or experiences any interruptions, all of which could result in business and customer interruption and related reputational damage, significant compensation costs, regulatory sanctions and/or a breach of applicable regulations. See also, <span style="font-family:'RN House Sans Regular';">&#8216;</span><i style="font-style:italic;">NatWest Group</i><i style="font-family:'RN House Sans Regular';font-style:italic;">&#8217;</i><i style="font-style:italic;">s operations are highly dependent on its complex IT systems (including those that enable remote working) and any IT failure could adversely affect NatWest Group</i><span style="font-family:'RN House Sans Regular';">&#8217;</span>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Sustained periods of remote working may negatively affect workforce morale. Whilst NatWest Group has taken measures seeking to maintain the health, wellbeing and safety of its employees, these measures may be ineffective. Any of the above could impair NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to hire, retain and engage well-qualified employees, especially at a senior level, which in turn may adversely impact NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to serve its customers efficiently and impact productivity across NatWest Group. This could also adversely affect NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s reputation and competitive position and its ability to grow its business, which could have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group relies on attracting, retaining and developing diverse senior management and skilled personnel, and is required to maintain good employee relations.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s success depends on its ability to attract, retain through creating an inclusive environment, and develop highly skilled and qualified diverse personnel, including senior management, directors and key employees especially for technology and data focused roles, in a highly competitive market and under internal cost reduction pressures.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s ability to do this may be more difficult due to the cost reduction pressures, heightened regulatory oversight of banks and the increasing scrutiny of, and (in some cases) restrictions placed upon, employee compensation arrangements (in particular those of banks in receipt of government support such as NatWest Group). This increases the cost of hiring, training and retaining diverse skilled personnel. In addition, certain economic, market and regulatory conditions and political developments may reduce the pool of diverse candidates for key management and non-executive roles, including non-executive directors with the right skills, knowledge and experience, or increase the number of departures of existing employees. Moreover, a failure to foster a diverse and inclusive workforce may have an adverse impact on NatWest Group&#8217;s employee engagement and the formulation and execution of its strategy, and could also have a negative effect on its reputation with customers, investors and regulators.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">153</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The inability to compensate employees competitively and/or any reduction of compensation, as a result of negative economic developments or otherwise, could have an adverse effect on NatWest Group&#8217;s ability to hire, retain and engage well qualified employees, especially at a senior level, which may have a material adverse impact on the financial position and prospects of NatWest Group.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Many of NatWest Group&#8217;s employees in the UK, the ROI and continental Europe are represented by employee representative bodies, including trade unions and works councils. Engagement with its employees and such bodies is important to NatWest Group in maintaining good employee relations. Any failure to do so could impact NatWest Group&#8217;s ability to operate its business effectively.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any of the above could have a material adverse effect on NatWest Group&#8217;s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">A failure in NatWest Group&#8217;s risk management framework could adversely affect NatWest Group, including its ability to achieve its strategic objectives.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Risk management is an integral part of all of NatWest Group&#8217;s activities and includes the definition and monitoring of NatWest Group&#8217;s risk appetite and reporting on NatWest Group&#8217;s risk exposure and the potential impact thereof on NatWest Group&#8217;s financial condition. Financial risk management is highly dependent on the use and effectiveness of internal stress tests and models.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, financial crime risk management is dependent on the use and effectiveness of financial crime assessment, systems and controls. Weak or ineffective financial crime processes and controls may risk NatWest Group inadvertently facilitating financial crime which may result in regulatory investigation, sanction, litigation and reputational damage. Financial crime continues to evolve, whether through fraud, scams, cyber-attacks or other criminal activity. NatWest Group has made and continues to make significant, multi-year investments to strengthen and improve its overall financial crime control framework with prevention systems and capabilities. As part of its ongoing programme of investment, there is current and future investment planned to further strengthen financial crime controls over the coming years, including investment in new technologies and capabilities to further enhance customer due diligence, transaction monitoring, sanctions and anti-bribery and corruption systems.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Ineffective risk management may arise from a wide variety of factors, including lack of transparency or incomplete risk reporting, unidentified conflicts or misaligned incentives, lack of accountability control and governance, incomplete risk monitoring and management or insufficient challenges or assurance processes. Failure to manage risks effectively could adversely impact NatWest Group&#8217;s reputation or its relationship with its regulators, customers, shareholders or other stakeholders.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s operations are inherently exposed to conduct risks, which include business decisions, actions or reward mechanisms that are not responsive to or aligned with NatWest Group&#8217;s regulatory obligations, customers&#8217; needs or do not reflect NatWest Group&#8217;s customer-focused strategy, ineffective product management, unethical or inappropriate use of data, information asymmetry, implementation and utilisation of new technologies, outsourcing of customer service and product delivery, the possibility of mis-selling of financial products and mishandling of customer complaints. Some of these risks have materialised in the past and ineffective management and oversight of conduct risks may lead to further remediation and regulatory intervention or enforcement.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group&#8217;s businesses are also exposed to risks from employee misconduct including non-compliance with policies and regulations, negligence or fraud (including financial crimes and fraud), any of which could result in regulatory fines or sanctions and serious reputational or financial harm to NatWest Group. These risks may be exacerbated as most of NatWest Group&#8217;s employees continue to work remotely, which places additional pressure on NatWest Group&#8217;s ability to maintain effective internal controls and governance frameworks.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group has been seeking to embed a strong risk culture across the organisation and has implemented policies and allocated new resources across all levels of the organisation to manage and mitigate conduct risk and expects to continue to invest in its risk management framework. However, such efforts may not insulate NatWest Group from future instances of misconduct and no assurance can be given that NatWest Group&#8217;s strategy and control framework will be effective. Any failure in NatWest Group&#8217;s risk management framework could have a material adverse effect on NatWest Group and its financial condition through reputational and financial harm and may result in the inability to achieve its strategic objectives for its customers, employees and wider stakeholders.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group&#8217;s operations are subject to inherent reputational risk.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Reputational risk relates to stakeholder and public perceptions of NatWest Group arising from an actual or perceived failure to meet stakeholder expectations, including with respect to NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s purpose-led strategy and related targets, due to any events, behaviour, action or inaction by NatWest Group, its employees or those with whom NatWest Group is associated. See also <span style="font-family:'RN House Sans Regular';">&#8216;</span><i style="font-style:italic;">NatWest Group</i><i style="font-family:'RN House Sans Regular';font-style:italic;">&#8217;</i><i style="font-style:italic;">s businesses are subject to substantial regulation and oversight, which are constantly evolving and may adversely affect NatWest Group</i><span style="font-family:'RN House Sans Regular';">&#8217;</span>. This includes brand damage, which may be detrimental to NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, including its ability to build or sustain business relationships with customers, and may cause low employee morale, regulatory censure or reduced access to, or an increase in the cost of, funding. Reputational risk may arise whenever there is a material lapse in standards of integrity, compliance, customer or operating efficiency and may adversely affect NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to attract and retain customers. In particular, NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to attract and retain customers (particularly, corporate and retail depositors) may be adversely affected by, amongst others: negative public opinion resulting from the actual or perceived manner in which NatWest Group conducts or modifies its business activities and operations, media coverage (whether accurate or otherwise), employee misconduct, NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s financial performance, IT systems failures or cyberattacks, data breaches, financial crime and fraud, the level of direct and indirect government support, or the actual or perceived practices in the banking and financial industry in general, or a wide variety of other factors, each of which could have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">154</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Modern technologies, in particular online social networks and other broadcast tools that facilitate communication with large audiences in short timeframes and with minimal costs, may also significantly increase and accelerate the impact of damaging information and allegations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Although NatWest Group has implemented a Reputational Risk Policy to improve the identification, assessment and management of customers, transactions, products and issues, which represent a reputational risk, NatWest Group cannot be certain that it will be successful in avoiding damage to its business from reputational risk.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Legal, regulatory and conduct risk</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group&#8217;s businesses are subject to substantial regulation and oversight, which are constantly evolving and may adversely affect NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is subject to extensive laws, regulations, corporate governance practice and disclosure requirements, administrative actions and policies in each jurisdiction in which it operates. Many of these have been introduced or amended recently and are subject to further material changes, which may increase compliance and conduct risks, particularly if EU/EEA and UK laws diverge as a result of Brexit. NatWest Group expects government and regulatory intervention in the financial services industry to remain high for the foreseeable future.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In recent years, regulators and governments have focused on reforming the prudential regulation of the financial services industry and the manner in which the business of financial services is conducted. Amongst others, measures have included: enhanced capital, liquidity and funding requirements, implementation of the UK ring-fencing regime, implementation and strengthening of the recovery and resolution framework applicable to financial institutions in the UK, the EU and the US, financial industry reforms (including in respect of MiFID II), corporate governance requirements, restrictions on the compensation of senior management and other employees, enhanced data protection and IT resilience requirements, financial market infrastructure reforms (including enhanced data protection and IT resilience requirements, enhanced regulations in respect of the provision of <span style="font-family:'RN House Sans Regular';">&#8216;</span>investment services and activities<span style="font-family:'RN House Sans Regular';">&#8217;</span>), and increased regulatory focus in certain areas, including conduct, consumer protection, competition, disputes regimes, payment systems, financial crime and fraud laws and regulations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other areas in which, and examples of where, governmental policies, regulatory and accounting changes, and increased public and regulatory scrutiny could have an adverse impact (some of which could be material) on NatWest Group include, but are not limited to, the following:</p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">general changes in government, central bank, regulatory or competition policy, or changes in regulatory regimes that may influence investor decisions in the jurisdictions in which NatWest Group operates;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">rules relating to foreign ownership, expropriation, nationalisation and confiscation of assets;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">increased scrutiny from the CMA, FCA and Payment Systems Regulator (</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8216;</span><span style="font-size:8pt;">PSR</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">) for the protection and resilience of, and competition and innovation in, UK payment systems and retail banking developments relating to the UK initiative on Open Banking, Open Finance and the European directive on payment services;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">the ongoing compliance by NatWest Group with CMA</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s Retail Banking Market Order 2017 (the </span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8216;</span><span style="font-size:8pt;">Order</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">) as well as the ongoing consultation by the UK Government to introduce penalties for breaches of the Order (in addition to the current customer remediation requirements);</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">ongoing competition litigation in the English courts around payment card interchange fees, combined with increased regulatory scrutiny (from the PSR) of the Visa and Mastercard card schemes;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">new or increased regulations relating to customer data protection as well as IT controls and resilience, including the UK Data Protection Framework and the impact of the Court of Justice of the EU (CJEU) decision (known as Schrems II), in which the CJEU ruled that the Privacy Shield (an EU/US data transfer mechanism) is now invalid, leading to more onerous due diligence requirements for the Group prior to sending personal data of its EU customers and employees to non-EEA countries, including the UK and the US;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">the introduction of, and changes to, taxes, levies or fees applicable to NatWest Group</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s operations, such as the imposition of a financial transaction tax, introduction of global minimum tax rules, changes in tax rates, changes in the scope and administration of the Bank Levy, increases in the bank corporation tax surcharge in the UK, restrictions on the tax deductibility of interest payments or further restrictions imposed on the treatment of carry-forward tax losses that reduce the value of deferred tax assets and require increased payments of tax;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">increased regulatory focus on customer protection (such as the FCA</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s consumer duty consultation paper (CP21/13)) in retail or other financial markets;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">the potential introduction by the Bank of England of a Central Bank Digital Currency which could result in deposit outflows, higher funding costs, and/or other implications for UK banks including NatWest Group; and</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="color:#42145f;font-size:8pt;">-</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">regulatory enforcement in the form of PRA imposed financial penalties for failings in banks</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;"> regulatory reporting governance and controls, and regulatory scrutiny following the 2019 PRA </span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8220;</span><span style="font-size:8pt;">Dear CEO letter</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8221;</span><span style="font-size:8pt;"> letter regarding PRA</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;white-space:pre-wrap;">s ongoing focus on:  the integrity of regulatory reporting, which the PRA considers has equal standing with financial reporting; the PRA</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s thematic reviews of the governance, controls and processes for preparing regulatory returns of selected UK banks, including NatWest Group; the publication of the PRA</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s common findings from those reviews in September 2021; and NatWest Group</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s programme of improvements to meet PRA expectations.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These and other recent regulatory changes, proposed or future developments and heightened levels of public and regulatory scrutiny in the UK, the EU and the US have resulted in increased capital, funding and liquidity requirements, changes in the competitive landscape, changes in other regulatory requirements and increased operating costs, and have impacted, and will continue to impact, competitive position, product offerings and business models. Future competition investigations, market reviews, or the regulation of mergers may lead to the imposition of financial penalties or market remedies that may adversely impact NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s competitive or financial position. Any of these developments (including any failure to comply with new rules and regulations) could also have a significant impact on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s authorisations and licences, the products and services that NatWest Group may offer, its reputation and the value of its assets, NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s operations or legal entity structure, and the manner in which NatWest Group conducts its business. Material consequences could arise should NatWest Group be found to be non-compliant with these regulatory requirements. Regulatory developments may also result in an increased number of regulatory investigations and proceedings and have increased the risks relating to NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to comply with the applicable body of rules and regulations in the manner and within the time frames required.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">155</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 7.5pt 0pt;">Changes in laws, rules or regulations, or in their interpretation or enforcement, or the implementation of new laws, rules or regulations, including contradictory or conflicting laws, rules or regulations by key regulators or policymakers in different jurisdictions, or failure by NatWest Group to comply with such laws, rules and regulations, may have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, results of operations and outlook. In addition, uncertainty and insufficient international regulatory coordination as enhanced supervisory standards are developed and implemented may adversely affect NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ability to engage in effective business, risk and capital management planning.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group is exposed to the risks of various litigation matters, regulatory and governmental actions and investigations as well as remedial undertakings, including conduct-related reviews, anti-money laundering and redress projects, the outcomes of which are inherently difficult to predict, and which could have an adverse effect on NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s operations are diverse and complex and it operates in legal and regulatory environments that expose it to potentially significant legal proceedings, and civil and criminal regulatory and governmental actions. NatWest Group has resolved a number of legal and regulatory actions over the past several years but continues to be, and may in the future be, involved in such actions in the US, the UK, Europe and other jurisdictions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is currently, has recently been and will likely be involved in a number of significant legal and regulatory actions, including investigations, proceedings and ongoing reviews (both formal and informal) by governmental law enforcement and other agencies and litigation proceedings, relating to, among other matters, the offering of securities, conduct in the foreign exchange market, the setting of benchmark rates such as LIBOR and related derivatives trading, the issuance, underwriting, and sales and trading of fixed-income securities (including government securities), product mis-selling, customer mistreatment, anti-money laundering, antitrust, VAT recovery and various other compliance issues. Legal and regulatory actions are subject to many uncertainties, and their outcomes, including the timing, amount of fines, damages or settlements or the form of any settlements, which may be material and in excess of any related provisions, are often difficult to predict, particularly in the early stages of a case or investigation. NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s expectation for resolution may change and substantial additional provisions and costs may be recognised in respect of any matter.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The resolution of significant investigations include: (a) NWM Plc<span style="font-family:'RN House Sans Regular';">&#8217;</span>s December 2021 spoofing-related guilty plea in the United States, which involves a three-year period of probation, an independent corporate monitor, and commitments to compliance programme reviews and improvements and reporting obligations, as well as approximately US$35 million in fines and restitution, and (b) National Westminster Bank Plc<span style="font-family:'RN House Sans Regular';">&#8217;</span>s October 2021 guilty plea for breaches of the UK Money Laundering Regulations 2007, which resulted in a fine of approximately <span style="font-family:'RN House Sans Regular';">&#163;</span>265 million. For additional information relating to these and other legal and regulatory proceedings and matters to which NatWest Group is currently exposed, see <span style="font-family:'RN House Sans Regular';">&#8216;</span><i style="font-style:italic;">Litigation and regulatory matters</i><span style="font-family:'RN House Sans Regular';">&#8217;</span> at Note 27 to the consolidated accounts.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The recent guilty pleas, other recently resolved matters or adverse outcomes or resolution of current or future legal or regulatory actions could increase the risk of greater regulatory and third party scrutiny and could have material collateral consequences for NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business and result in restrictions or limitations on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s operations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These may include the effective or actual disqualification from carrying on certain regulated activities and consequences resulting from the need to reapply for various important licences or obtain waivers to conduct certain existing activities of NatWest Group, particularly but not solely in the US, which may take a significant period of time and the results of which are uncertain. Disqualification from carrying on any activities, whether automatically as a result of the resolution of a particular matter or as a result of the failure to obtain such licences or waivers could adversely impact NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, in particular in the US. This in turn and/or any fines, settlement payments or penalties could adversely impact NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s reported financial results and condition, capital position or reputation.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Failure to comply with undertakings made by NatWest Group to its regulators, or the conditions of probation resulting from the spoofing-related guilty plea, may result in additional measures or penalties being taken against NatWest Group. In addition, any failure to administer conduct redress processes adequately, or to handle individual complaints fairly or appropriately, could result in further claims as well as the imposition of additional measures or limitations on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s operations, additional supervision by NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s regulators, and loss of investor confidence.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any of the above could have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, results of operations, outlook, capital position or its ability to meet regulatory capital adequacy requirements.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">NatWest Group may not effectively manage the transition of LIBOR and other IBOR rates to alternative risk-free rates.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">UK and international regulators are driving the transition from the use of interbank offer rates (<span style="font-family:'RN House Sans Regular';">&#8216;</span>IBORs<span style="font-family:'RN House Sans Regular';">&#8217;</span>), including LIBOR, to alternative rates, primarily risk free rates (<span style="font-family:'RN House Sans Regular';">&#8216;</span>RFRs<span style="font-family:'RN House Sans Regular';">&#8217;</span>). As of 31 December 2021, LIBOR, as currently determined, has ceased for all tenors of GBP, JPY, CHF, EUR, and for the 1 week and 2 month tenors for USD. The remaining USD LIBOR tenors, as currently determined, are due to cease after 30 June 2023. The FCA has used its powers under the UK Benchmarks Regulation (<span style="font-family:'RN House Sans Regular';">&#8216;</span>UK BMR<span style="font-family:'RN House Sans Regular';">&#8217;</span>) to require, for a limited period of time after 31 December 2021, the ongoing publication of the 1, 3, and 6 month GBP and JPY LIBOR tenors using a changed methodology (i.e., <span style="font-family:'RN House Sans Regular';">&#8216;</span>Art23A LIBOR<span style="font-family:'RN House Sans Regular';">&#8217;</span> on a synthetic basis). The UK has passed the Critical Benchmarks (References and Administrators<span style="font-family:'RN House Sans Regular';">&#8217;</span> Liability) Act 2021 (<span style="font-family:'RN House Sans Regular';">&#8216;</span>Critical Benchmarks Act<span style="font-family:'RN House Sans Regular';">&#8217;</span>) which establishes a framework that allows the ongoing use of Art23A LIBOR under certain circumstances where contracts have pro-actively transitioned onto alternative rates. However, the FCA has been clear that the solutions provided under UK BMR and the Critical Benchmarks Act are not permanent and cannot be guaranteed after the end of 2022 (and for JPY the FCA has confirmed that Art23A LIBOR will no longer be available after the end of 2022). This framework and its lack of permanence may expose NatWest Group, its customers and the financial services industry more widely to various risks, including: (i) the FCA further restricting use of Art23A LIBOR resulting in proactive transition of contracts; and (ii) mis-matches between positions in cleared derivatives and the exposures they are hedging where those exposures are permitted to make use of Art23A LIBOR, as the FCA has chosen not to permit the use of Art23A LIBOR for cleared derivatives. Although the formal cessation date for the remaining USD LIBOR tenors (as currently determined) is not until the end of June 2023, US and UK regulators have been clear that this is only to support the rundown of back book USD LIBOR exposures, and that no new contracts should reference these USD LIBOR tenors after 31 December 2021, other than in a very limited range of circumstances. Natwest Group will continue to have ongoing exposure to the remaining USD LIBOR tenors until they cease at the end of June 2023.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">156</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Risk factors continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Natwest Group had significant exposures to IBORs and has actively sought to transition away from these during 2021 in accordance with regulatory expectations and milestones. Transition measures have included the pro-active development of new products on using alternative rates, primarily but not exclusively RFRs rather than LIBOR, pro-actively restructuring existing LIBOR exposures so that they cease to reference LIBOR and instead reference alternative rates, and embedding language into contracts that allows for the automatic conversion to alternative rates when LIBOR ceases to be available. The main Central Counterparty Clearing houses (CCPs) conducted mass conversion exercises in December 2021 covering GBP, JPY, CHF and EUR LIBOR cleared derivatives to fully transition all outstanding LIBOR exposure to the relevant RFR. Natwest Group entities, along with many of their major counterparties, have already adhered to the ISDA IBOR fall-backs supplement and protocol which establishes a clear, industry accepted, contractual process to manage the transition from IBORs to RFRs for non-cleared derivative products.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">These transition efforts have involved extensive engagement with customers, industry working groups and regulators to seek to deliver transition in a transparent and economically appropriate manner. Any economic impacts will be dependent on, amongst other things, the establishment of deep and liquid RFR markets, the establishment of clear and consistent market conventions for all replacement products, as well as counterparties<span style="font-family:'RN House Sans Regular';">&#8217;</span> willingness to accept, and transition to, these conventions. Furthermore, certain IBOR obligations may not be able to be pro-actively changed which could, depending on any over-arching legislative transition frameworks, potentially result in fundamentally different economic outcomes than originally intended. The uncertainties around the manner of transition to RFRs, and the ongoing broader acceptance and use of RFRs across the market, expose NatWest Group, its clients and the financial services industry more widely to risks.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Examples of these risks may include (i) legal (including litigation) risks relating to documentation for new and the majority of existing transactions (including, but not limited to, changes, lack of changes, unclear contractual provisions, and disputes in respect of these); (ii) financial risks from any changes in valuation of financial instruments linked to impacted IBORs that may impact NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s performance, including its cost of funds, and its risk management related financial models; (iii) pricing, interest rate or settlement risks such as changes to benchmark rates that could impact pricing, interest rate or settlement mechanisms in or on certain instruments; (iv) operational risks due to the requirement to adapt IT systems, trade reporting infrastructure and operational processes, as well as ensuring compliance with restrictions on new USD LIBOR usage after December 2021; (v) conduct and litigation risks arising from communication regarding the potential impact on customers, and engagement with customers during and after the transition period, or non-acceptance by customers of replacement rates; and (vi) different legislative provisions in different jurisdictions, for example, unlike certain US states and the EU, the UK has not provided a clear and robust safe harbour to protect against litigation and potential liability arising out of the switch to <span style="font-family:'RN House Sans Regular';">&#8216;</span>synthetic LIBOR<span style="font-family:'RN House Sans Regular';">&#8217;</span>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Notwithstanding all efforts to date, until the transition away from LIBOR onto alternative rates has been fully completed and there is greater experience of how RFRs are adopted across different products and customer groups, it remains difficult to determine to what extent the changes will affect NatWest Group, or the costs of implementing any relevant remedial action. Uncertainty as to the nature and extent of such potential changes, the take up of alternative reference rates, or other reforms may adversely affect financial instruments originally referencing LIBOR as the benchmark. The implementation of any alternative RFRs may be impossible or impracticable under the existing terms of certain financial instruments and could have a material adverse effect on the value of, return on, and trading market for, certain financial instruments and on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s profitability.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 2pt 0pt;"><span style="color:#42145f;">Changes in tax legislation or failure to generate future taxable profits may impact the recoverability of certain deferred tax assets recognised by NatWest Group.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In accordance with the accounting policies set out in <i style="font-family:'RN House Sans Regular';font-style:italic;">&#8216;</i><i style="font-style:italic;">Critical accounting policies and key sources of estimation uncertainty</i><span style="font-family:'RN House Sans Regular';">&#8217;</span>, NatWest Group has recognised deferred tax assets on losses available to relieve future profits from tax only to the extent it is probable that they will be recovered. The deferred tax assets are quantified on the basis of current tax legislation and accounting standards and are subject to change in respect of the future rates of tax or the rules for computing taxable profits and offsetting allowable losses.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Failure to generate sufficient future taxable profits or further changes in tax legislation (including with respect to rates of tax) or accounting standards may reduce the recoverable amount of the recognised tax loss deferred tax assets, amounting to <span style="font-family:'RN House Sans Regular';">&#163;</span>899 million as at 31 December 2021. Changes to the treatment of certain deferred tax assets may impact NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s capital position. In addition, NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s interpretation or application of relevant tax laws may differ from those of the relevant tax authorities and provisions are made for potential tax liabilities that may arise on the basis of the amounts expected to be paid to tax authorities. The amounts ultimately paid may differ materially from the amounts provided depending on the ultimate resolution of such matters.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any of the above could have a material adverse effect on NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s business, results of operations and outlook.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">157</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Additional information</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_f6d54b54_542f_4a8f_aaa8_d3b01adda56d"></a><a id="Descriptionofpropertyandequipment_474884"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Description of property and equipment</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group operates from a number of locations worldwide, principally in the UK. At 31 December 2021, RBS plc and NWB Plc had 130 and 640 retail branches respectively, in the UK. Ulster Bank has a footprint of 132 branches and a network of business banking offices across Northern Ireland and the Republic of Ireland, of which 25 are to be sold to Permanent TSB plc as part of the recently agreed sale. A majority of the UK branches are owned by NWB Plc or are held under leases with unexpired terms of over 50 years. NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s principal properties include its headquarters at Gogarburn, Edinburgh and its principal office at 250 Bishopsgate, London.</p><a id="Majorshareholders_207957"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Major shareholders</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In December 2008, The Solicitor for the Affairs of Her Majesty<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Treasury (HMT) acquired 22,854 million ordinary shares of 25p and during 2009 acquired a further 16,791 million ordinary shares of 25p, representing 70.3 % of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s issued ordinary share capital.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In December 2009, HMT acquired 51 billion B shares in the company, representing the entire issued B share capital. In 2015, HMT sold 630 million of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ordinary shares and converted its entire holding of B shares into 5.1 billion new ordinary shares of <span style="font-family:'RN House Sans Regular';">&#163;</span>1 each. In June 2018 HMT sold a further 925 million of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ordinary shares. In March 2021, the company carried out an off-market purchase of 591 million of its ordinary shares from HMT. In May 2021, HMT sold 580 million ordinary shares through an accelerated book building process to institutional investors. In July 2021, HMT announced its intention to sell part of its shareholding over a 12 month period from August 2021 via a trading plan, for up to 15% of the aggregate total trading volume. At 31 December 2021, HMT<span style="font-family:'RN House Sans Regular';">&#8217;</span>s holding in the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s issued share capital with voting rights was 52.96%. At 31 December 2021, Norges Bank held 3.07% of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s issued share capital with voting rights. The percentages were correct at the date of notification on 5 November 2021. As far as the company is aware, there have been no other significant changes in the percentage ownership of major shareholders of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ordinary shares or preference shares during the three years ended 17 February 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Since 1 January 2018, the company has redeemed substantially all of the preference shares that were in issue (refer to Note 19 for further details). All shareholders within a class of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s shares have the same voting rights.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">At the 2021 Annual General Meeting, shareholders authorised the company to make an off market purchase of preference shares. The company announced on 15 December 2021 that it had utilised this authority to purchase 157,546 5.5 per cent cumulative preference shares and 259,314 11.00 per cent cumulative preference shares. The company cancelled the purchased shares.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As at 31 December 2021, almost all of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s US$ denominated preference shares and American Depository Shares representing ordinary shares were held by shareholders registered in the US. All other shares were predominantly held by shareholders registered outside the US.</p><a id="OurCodeofconduct_515192"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Our Code of conduct</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span><span style="white-space:pre-wrap;">s Code of Conduct (Our Code) lets everyone know what to expect of each other, what to do when unsure of a decision, and where to go for advice when needed. It is available at https://www.natwestgroup.com/our-purpose/society/compliance-and-conduct.html, or without charge, and upon request, by contacting Corporate Governance at the telephone number listed on page 174. It includes our Critical People Capabilities that guide how we behave and set clear expectations of the behaviours consistently required from everyone and are aligned to our purpose, goals and risk culture. It also incorporates five standards of behaviour aligned to the Financial Conduct Authority (FCA) Conduct Rules.  These are: (1) You must act with integrity; (2) You must act with due skill, care and diligence; (3) You must be open and cooperative with the Prudential Regulatory Authority (PRA) and other regulators; (4) You must pay due regard to the interests of customers and treat them fairly; and (5) You must observe proper standards of market conduct. These Conduct Rules are very much in keeping with the values and behaviours that we are already following across NatWest Group.</span></p><a id="Iransanctionsandrelateddisclosures_51629"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Iran sanctions and related disclosures</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Disclosure pursuant to section 13(r) of the Securities Exchange Act</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Section 13(r) of the Securities Exchange Act, added by section 219 of the Iran Threat Reduction and Syria Human Rights Act of 2012, requires an issuer to disclose in its annual or quarterly reports, as applicable, whether, during the period covered by the report, it or any of its affiliates knowingly engaged in specified activities or transactions relating to Iran or with individuals or entities designated under Executive Order 13382 or 13224. Disclosure is required of certain activities conducted outside the United States by non-U.S. entities in compliance with local law, whether or not the activities are sanctionable under U.S. law.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In order to comply with this requirement, the following activities of NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s affiliates are disclosed in response to section 13(r).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Transactions involving Iranian Government owned entities</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">During 2021 affiliates of NatWest Group facilitated seven payments which were remitted by, or on behalf of, Iranian Government owned entities and/or entities designated under Executive Order 13382 or 13224, and received by NatWest Group customers (non-designated and located in the United Kingdom) in relation to legal fees.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group facilitated one payment which was paid to an Iranian Government owned entity and/or designated under Executive Order 13382 or 13224, to release NatWest Group of its obligations in relation to an expired guarantee.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">All the payments described above were processed in full compliance with applicable sanctions and where relevant authorised under applicable licence.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The transactions described above resulted in <span style="font-family:'RN House Sans Regular';">&#163;</span>15,000 gross revenue to NatWest Group. Considering the processes in place to undertake such transactions, including enhanced due diligence processes, the profit from these transactions was negligible. NatWest Group has a restrictive risk appetite in relation to transactions involving Iran and will only continue to engage in transactions similar to those described above as long as such transactions are in compliance with applicable sanctions laws and within NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s risk appetite.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">158</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Additional information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group maintain one account for an Iranian Government entity located in the United Kingdom. The purpose of the account is to facilitate UK domestic transactions only for employees<span style="font-family:'RN House Sans Regular';">&#8217;</span> salaries and operating costs such as UK taxes and utilities. No commercial activity is processed through the account.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Guarantees</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="white-space:pre-wrap;">Under applicable licenses granted by appropriate authorities, affiliates of NatWest Group hold three legacy guarantees entered into between 1984 and 1998, which support arrangements lawfully entered into by affiliates of NatWest Group customers with Iranian counterparties.  This has reduced by one since the 2020 Iran sanctions and related disclosures submission.  These legacy guarantees are in favour of Iranian Government owned financial institutions. The affiliates of NatWest Group have made considerable efforts to exit and formally cancel the guarantees.</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Iranian Petroleum Industry</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Section 13(r) of the Securities Exchange Act (as amended) requires disclosure of any knowing engagement in activity described in section 5 (a) or (b) of the Iran Sanctions Act, including significant investments in or transactions that could develop the Iranian petroleum or petrochemical sectors.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">During 2021, no transactions that meet this criteria have been facilitated by NatWest Group.</p><a id="Supervision_679911"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Supervision</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">United Kingdom</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The home supervisors for NatWest Group are the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). As with all significant banking institutions, the PRA is the consolidated supervisor of NatWest Group. The FCA<span style="font-family:'RN House Sans Regular';">&#8217;</span>s overall objective is to ensure financial markets function well. This is supported by its operational objectives of: securing an appropriate degree of protection for consumers; protecting and enhancing the integrity of the UK financial system; and promoting effective competition in the interests of consumers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As at 31 December<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>2021, 12 companies in NatWest Group, spanning a range of financial services sectors, including banking and investment business, were authorised to conduct financial activities in the UK. The material UK authorised banks in NatWest Group are The Royal Bank of Scotland plc (RBS plc), National Westminster Bank Plc (NWB Plc), NatWest Markets Plc (NWM Plc) and Coutts<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>&amp; Company. Wholesale activities, other than Treasury activities, are concentrated in NatWest Markets Plc. Retail banking activities in England, Scotland and Wales are managed by the Retail Banking, Commercial Banking and Private Banking businesses of RBS plc, NWB Plc and Coutts<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>&amp; Company. In June 2019, NatWest Group announced its intention to transfer its UBL business to NWB Plc in order to simplify the current legal entity structure of NatWest Group. This was completed in May 2021, at which point UBL became a trading name of NWB Plc.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s banking service in the Republic of Ireland is provided by Ulster Bank Ireland DAC (UBI DAC), which is supervised by the Central Bank of Ireland and the European Central Bank under the Single Supervisory Mechanism. In February 2021, NatWest Group announced the phased withdrawal of UBI DAC from the Republic of Ireland which remains ongoing.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Investment management business is principally undertaken by companies in the Commercial Banking and Private Banking businesses, including Coutts<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>&amp; Company.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is subject to extensive regulations that impose obligations on financial institutions to maintain appropriate policies, procedures and controls to ensure compliance with the rules<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>and regulations to which they are subject.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">United States</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group conducts business in the US through its investment bank, NWM Plc. NWM Plc<span style="font-family:'RN House Sans Regular';">&#8217;</span>s regulated entities in the US are: its broker-dealer affiliate, NatWest Markets Securities Inc. (NWMSI); NWMSI<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Futures Commission Merchant (FCM); NWBM Plc<span style="font-family:'RN House Sans Regular';">&#8217;</span>s non-FCM clearing member; NWM Plc<span style="font-family:'RN House Sans Regular';">&#8217;</span>s non-US-based Swap Dealer; and NWM Plc<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Connecticut Representative Office. NWM Plc is subject to the supervision of the Board of Governors of the Federal Reserve System (Federal Reserve) due to an outstanding enforcement action brought against NatWest Group by the Federal Reserve, namely the 2015 FX Cease and Desist Consent Order.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, NWMSI is a Primary Dealer of the Federal Reserve, which makes it subject to the supervision of the Federal Reserve Bank of New York (FRB-NY).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWMSI is subject to the regulations of a number of US securities regulators, mainly the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), Options Clearing Corporation (OCC), Depository Trust<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>&amp; Clearing Corporation (DTCC), and various state regulators. NWMSI<span style="font-family:'Calibri','Helvetica','sans-serif';">&#8217;</span>s FCM is mainly subject to the regulations of the Commodity Futures Trading Commission (CFTC), National Futures Association (NFA), the Chicago Mercantile Exchange Group (CME), and the Intercontinental Exchange (ICE) Futures US.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NWM Plc is a non-FCM clearing member of the CME and is subject to the regulations of the CME and the CFTC. NWM Plc is also a non-US-based provisionally-registered swap dealer and as such it is subject to oversight by the US regulators the CFTC and the NFA.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The NWM Plc Connecticut Representative Office is supervised by the FRB-NY and the Connecticut Department of Banking.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The anti-money laundering, anti-terrorism and economic sanctions regulations are a major focus of the US government for financial institutions and are rigorously enforced by most of the regulators mentioned above and the Financial Crimes Enforcement Network (FinCEN) of US Department of the Treasury.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Other jurisdictions</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group operates in a number of countries through a network of branches, local banks and non-bank subsidiaries and these activities are subject to supervision in most cases by a local regulator or central bank.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">159</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Material contracts</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_4241800c_7f02_4af3_9c62_f5c3ba282c14"></a><a id="Materialcontracts"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company and its subsidiaries are party to various contracts in the ordinary course of business. Material contracts include the following:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">B Share Acquisition and Contingent Capital Agreement</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 26 November 2009, the company and HM Treasury entered into the Acquisition and Contingent Capital Agreement pursuant to which HM Treasury subscribed for the initial B shares and the Dividend Access Share (the Acquisitions) and agreed the terms of HM Treasury<span style="font-family:'RN House Sans Regular';">&#8217;</span>s contingent subscription (the Contingent Subscription) for an additional <span style="font-family:'RN House Sans Regular';">&#163;</span>8 billion in aggregate in the form of further B shares (the Contingent B shares), to be issued on the same terms as the initial B shares. The Acquisitions were subject to the satisfaction of various conditions, including the company having obtained the approval of its shareholders in relation to the Acquisitions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 16 December 2013, the company announced that, having received approval from the PRA, it had terminated the <span style="font-family:'RN House Sans Regular';">&#163;</span>8 billion Contingent Subscription. The company was able to cancel the Contingent Subscription as a result of the actions announced in the second half of 2013 to further strengthen its capital position.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 9 October 2015, the company announced that on 8 October 2015, it had received a valid conversion notice from HM Treasury in respect of all outstanding B shares held by HM Treasury. The new ordinary shares issued on conversion of the B shares were admitted to the official list of the UK Listing Authority (UKLA), and to trading on the London Stock Exchange plc, on 14 October 2015. Following such conversion, HM Treasury no longer holds any B shares.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company gave certain representations and warranties to HM Treasury on the date of the Acquisition and Contingent Capital Agreement, on the date the circular was posted to shareholders, on the first date on which all of the conditions precedent were satisfied, or waived, and on the date of the Acquisitions. The company also agreed to a number of undertakings.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company agreed to reimburse HM Treasury for its expenses incurred in connection with the Acquisitions.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For as long as it is a substantial shareholder of the company (within the meaning of the UKLA<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Listing Rules), HM Treasury has undertaken not to vote on related party transaction resolutions at general meetings and to direct that its affiliates do not so vote.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Directed Buyback Contract</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 7 February 2019, the company and HM Treasury entered into the Directed Buyback Contract to help facilitate the return of the company to full private ownership through the use of any excess capital to buy back the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ordinary shares held by HM Treasury.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Under the terms of the Directed Buyback Contract, the company may agree with HM Treasury to make off-market purchases from time to time of its ordinary shares held by HM Treasury, including by way of one or more standalone purchases, through a non-discretionary, broker-managed directed trading programme, or in conjunction with any offer or sale by HM Treasury by way of an institutional placing. Neither the company nor HM Treasury would be under an obligation to agree to make such off-market purchases and would only do so subject to regulatory approval at the time.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The aggregate number of ordinary shares which the company may purchase from HM Treasury under the Directed Buyback Contract cannot exceed 4.99%. of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s issued share capital and the aggregate consideration to be paid cannot exceed 4.99% of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s market capitalisation. The price to be paid for each ordinary share will be the market price at the time of purchase or, if the directed buyback is in conjunction with an institutional placing, the placing price.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 19 March 2021, the company announced that it had agreed with HM Treasury to make an off-market purchase (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Off-Market Purchase<span style="font-family:'RN House Sans Regular';">&#8221;</span>) under the Directed Buyback Contract for the total consideration of <span style="font-family:'RN House Sans Regular';">&#163;</span>1,125,341,269 for 590,730,325 ordinary shares, representing 4.86% of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s issued share capital at that point in time.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Framework and State Aid Deed</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">As a result of the State Aid granted to the company, it was required to work with HM Treasury to submit a State Aid restructuring plan to the European Commission (EC), which was then approved by the EC under the State Aid rules on 14 December 2009. The company agreed a series of measures which supplemented the measures in the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s strategic plan.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company entered into a State Aid Commitment Deed with HM Treasury at the time of the initial EC decision and, following the EC<span style="font-family:'RN House Sans Regular';">&#8217;</span>s approval of amendments to the restructuring plan in April 2014, the company entered into a revised State Aid Commitment Deed with HM Treasury. In September 2017, the revised State Aid Commitment Deed was amended by a Deed of Variation (as so amended, the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Revised State Aid Commitment Deed<span style="font-family:'RN House Sans Regular';">&#8221;</span>) following the EC<span style="font-family:'RN House Sans Regular';">&#8217;</span>s approval of an alternative remedies package (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Alternative Remedies Package<span style="font-family:'RN House Sans Regular';">&#8221;</span>) to replace the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s final outstanding commitment under its State Aid obligations (to divest the business previously known as Williams &amp; Glyn).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 25 April 2018, the Revised State Aid Commitment Deed was replaced by the Framework and State Aid Deed between the company, HM Treasury and an independent body established to facilitate and oversee the delivery of the Alternative Remedies Package (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Independent Body<span style="font-family:'RN House Sans Regular';">&#8221;</span>). Under the Framework and State Aid Deed, the company agrees to do all acts and things necessary to ensure that HM Treasury is able to comply with its obligations under any EC decision approving State Aid to the company, including under the Alternative Remedies Package.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">160</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Material contracts continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Pursuant to the Framework and State Aid Deed, the company has committed and paid: (i) <span style="font-family:'RN House Sans Regular';">&#163;</span>425 million into a fund for eligible bodies in the UK banking and financial technology sectors to develop and improve their capability to compete with the company in the provision of banking services to small and medium-sized enterprises (<span style="font-family:'RN House Sans Regular';">&#8220;</span>SMEs<span style="font-family:'RN House Sans Regular';">&#8221;</span>) and develop and improve the financial products and services available to SMEs (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Capability and Innovation Fund<span style="font-family:'RN House Sans Regular';">&#8221;</span>); and (ii) <span style="font-family:'RN House Sans Regular';">&#163;</span>275 million to eligible bodies to help them incentivise SME banking customers within the division of the company previously known as Williams &amp; Glyn to switch their business current accounts and loans to the eligible bodies (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Incentivised Switching Scheme<span style="font-family:'RN House Sans Regular';">&#8221;</span>). The Independent Body will distribute funds from the Capability and Innovation Fund and implement the Incentivised Switching Scheme.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Under the Framework and State Aid Deed, the company also agreed to indemnify the Independent Body and HM Treasury, up to an amount of <span style="font-family:'RN House Sans Regular';">&#163;</span>320 million collectively to cover liabilities that may be incurred in implementing the Alternative Remedies Package. The provisions of the indemnity to the Independent Body are set out in the Framework and State Aid Deed and the provisions of the indemnity to HM Treasury are set out in a separate agreement between the company and HM Treasury, described under <span style="font-family:'RN House Sans Regular';">&#8220;</span><i style="font-style:italic;">Deed of Indemnity</i><span style="font-family:'RN House Sans Regular';">&#8221;</span> below.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The Framework and State Aid Deed also provides that if the EC adopts a decision that the UK Government must recover any State Aid (a <span style="font-family:'RN House Sans Regular';">&#8220;</span>Repayment Decision<span style="font-family:'RN House Sans Regular';">&#8221;</span>) and the recovery order of the Repayment Decision has not been annulled or suspended by the General Court or the European Court of Justice, then the company must repay HM Treasury any aid ordered to be recovered under the Repayment Decision.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Deed of Indemnity</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the context of the Framework and State Aid Deed, the company entered into a Deed of Indemnity with HM Treasury on 25 April 2018, pursuant to which the company agreed to indemnify HM Treasury to cover liabilities that may be incurred in implementing the Alternative Remedies Package, as described under <span style="font-family:'RN House Sans Regular';">&#8220;</span><i style="font-style:italic;">Framework and State Aid Deed</i><span style="font-family:'RN House Sans Regular';">&#8221;</span> above.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Trust Deed</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the context of the Framework and State Aid Deed, the company entered into a Trust Deed with the Independent Body on 25 April 2018, to set up a trust to administer the funds committed by the company under the Framework and State Aid Deed for the Alternative Remedies Package.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">State Aid Costs Reimbursement Deed</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Under the 2009 State Aid Costs Reimbursement Deed, the company has agreed to reimburse HM Treasury for fees, costs and expenses associated with the State Aid and State Aid approval.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">HMT and UKFI Relationship Deed</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 7 November 2014, in order to comply with an amendment to the UK Listing Rules, the company entered into a Relationship Deed with HM Treasury and UK Financial Investments Limited in relation to the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s obligations under the UK Listing Rules to put in place an agreement with any controlling shareholder (as defined for these purposes in the Listing Rules). The Relationship Deed covers the three independence provisions mandated by the Listing Rules: (i) that contracts between the company and HM Treasury (or any of its subsidiaries) will be arm<span style="font-family:'RN House Sans Regular';">&#8217;</span>s length and normal commercial arrangements, (ii) that neither HM Treasury nor any of its associates will take any action that would have the effect of preventing the company from complying with its obligations under the Listing Rules; and (iii) neither HM Treasury nor any of its associates will propose or procure the proposal of a shareholder resolution which is intended or appears to be intended to circumvent the proper application of the Listing Rules.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Memorandum of Understanding Relating to the NatWest Group Pension Fund</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 16 April 2018 the company entered into a Memorandum of Understanding (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>MoU<span style="font-family:'RN House Sans Regular';">&#8221;</span>) with the trustee of the NatWest Group Pension Fund (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Group Fund<span style="font-family:'RN House Sans Regular';">&#8221;</span>), which aimed to facilitate both the necessary changes to the Main Section of the Group Fund to align the employing entity structure with the requirements of the UK ring-fencing legislation and acceleration of the settlement framework for the 31 December 2017 triennial valuation of the Main Section of the Group Fund (brought forward from 31 December 2018).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In addition, the MoU also provided clarity on the additional related funding contributions required to be made by the company to the Main Section of the Group Fund as follows: (i) a pre-tax payment of <span style="font-family:'RN House Sans Regular';">&#163;</span>2 billion that was made in the second half of 2018 and (ii) from 1 January 2020, further pre-tax contributions of up to <span style="font-family:'RN House Sans Regular';">&#163;</span>1.5 billion in aggregate linked to the making of future distributions to NatWest Group shareholders including ordinary and special dividends and/or share buy backs (subject to an annual cap on contributions of <span style="font-family:'RN House Sans Regular';">&#163;</span>500 million before tax).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">On 28 September 2018, the implementation of the MoU was documented through a Framework Agreement entered into between the company and the trustee of the Group Fund.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">161</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:13pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-size:22pt;font-weight:normal;">Shareholder information</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><a id="_f0b57234_d650_445e_8730_c823cc125c34"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:90%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:10%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><span style="color:#003365;font-size:6pt;margin-left:0pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 0pt 0pt 0.35pt;">Page</p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Financialcalendar_734676"><span style="font-style:normal;font-weight:normal;">Financial calendar</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">162</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Shareholderenquiries_768790"><span style="font-style:normal;font-weight:normal;">Shareholder enquiries</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">162</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Analysisofordinaryshareholders_865194"><span style="font-style:normal;font-weight:normal;">Analysis of ordinary shareholders</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">164</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Tradingmarket_936791"><span style="font-style:normal;font-weight:normal;">Trading market</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">164</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Dividendhistory_369142"><span style="font-style:normal;font-weight:normal;">Dividend history</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">165</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#TaxationofUSHolders_718314"><span style="font-style:normal;font-weight:normal;">Taxation for US holders</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">165</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Exchangecontrols_1317"><span style="font-style:normal;font-weight:normal;">Exchange controls</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">167</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#MemorandumandArticlesofAssociation_42193"><span style="font-style:normal;font-weight:normal;">Memorandum and Articles of Association</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">167</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Documentsondisplay_637965"><span style="font-style:normal;font-weight:normal;">Documents on display</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">172</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Incorporationandregistration_472667"><span style="font-style:normal;font-weight:normal;">Incorporation and registration</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">173</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Importantaddresses_416695"><span style="font-style:normal;font-weight:normal;">Important addresses</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-bottom:1.0pt solid #000000;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">173</span></p></div></div></td></tr><tr style="height:11.35pt;"><td style="vertical-align:top;width:90%;background:#f2f2f2;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 0.35pt;"><a style="font-size:8pt;" href="#Principaloffices_820863"><span style="font-style:normal;font-weight:normal;">Principal offices</span></a></p></div></div></td><td style="vertical-align:top;width:10%;background:#f2f2f2;border-top:1.0pt solid #000000;margin:0pt;padding:0pt;"><div style="height:11.35pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:8pt;">173</span></p></div></div></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><a id="_f347b5af_82d8_45a4_ba00_463a57e93f8a"></a><a id="Financialcalendar_734676"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Financial calendar</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Dividends</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:12pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Payment dates</b></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cumulative preference shares</p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">31 May and 30 December 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-cumulative preference shares</p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">31 March, 30 June, 30 September and 30 December 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shares</p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4 May 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Ex dividend date</b></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cumulative preference shares</p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">5 May and 1 December 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shares</p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">17 March 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Record date</b></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cumulative preference shares</p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">6 May and 2 December 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ordinary shares</p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">18 March 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Annual General Meeting</b></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">28 April 2022</p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:38.1%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Interim results</b></p></td><td style="vertical-align:bottom;width:61.89%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">29 July 2022</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><a id="Shareholderenquiries_768790"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Shareholder enquiries</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">You can check your shareholdings in the company by visiting the Shareholder centre section of our website, <span style="color:#0000ff;text-decoration-color:#0000ff;text-decoration-line:underline;text-decoration-style:solid;">www.natwestgroup.com</span> and click the <span style="font-family:'RN House Sans Regular';">&#8216;</span>Accessing your shareholding online<span style="font-family:'RN House Sans Regular';">&#8217;</span> tab. You will need the shareholder reference number printed on your share certificate or dividend confirmation statement to access this information. You can also view any outstanding payments, update bank account and address details and download various forms.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">NatWest Group is committed to reducing its impact on the environment. You can choose to receive your shareholder communications electronically via the <span style="font-family:'RN House Sans Regular';">&#8216;</span>Sign up for e-comms<span style="font-family:'RN House Sans Regular';">&#8217;</span> tab and you will receive an email notification when documents become available to view on our website.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">You can also check your shareholding by contacting our Registrar:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Computershare Investor Services PLC</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The Pavilions</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bridgewater Road</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bristol BS99 6ZZ</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Telephone: +44 (0)370 702 0135</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Fax: +44 (0)370 703 6009</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Website: www-uk.computershare.com/investor/contactus</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Braille and audio Strategic report with additional information</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Shareholders requiring a Braille or audio version of the Strategic report with additional information should contact the Registrar on +44 (0)370 702 0135.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="color:#5e10b1;font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">162</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">ShareGift</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company is aware that shareholders who hold a small number of shares may be retaining these shares because dealing costs make it uneconomical to dispose of them. ShareGift, is a free charity share donation service operated by The Orr Mackintosh Foundation (registered charity 1052686) to enable shareholders to donate shares to charity.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If you are a UK taxpayer, donating your shares in this way will not give rise to either a gain or a loss for UK capital gains tax purposes. You may be able to claim UK income tax relief on gifted shares and can do so in various ways. Further information can be obtained from HM Revenue &amp; Customs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Should you wish to donate your shares to charity please contact ShareGift for further information:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">ShareGift, The Orr Mackintosh Foundation</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">th</sup> Floor Rear, 67/68 Jermyn Street, London, SW1Y 6NY</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Telephone: +44 (0)20 7930 3737</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Website: <span style="color:#0000ff;text-decoration-color:#0000ff;text-decoration-line:underline;text-decoration-style:solid;">www.sharegift.org</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Share and bond scams</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Share and bond scams are often run from <span style="font-family:'RN House Sans Regular';">&#8216;</span>boiler rooms<span style="font-family:'RN House Sans Regular';">&#8217;</span> where fraudsters cold-call investors, offering them worthless, overpriced or even non-existent shares or bonds.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">They use increasingly sophisticated tactics to approach investors, offering to buy or sell shares, often pressuring investors to make a quick decision or miss out on the deal. Contact can also be in the form of email, post or word of mouth. Scams are sometimes advertised in newspapers, magazines or online as genuine investment opportunities and may offer free gifts or discounts on dealing charges.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Scammers will request money upfront, as a bond or other form of security, but victims are often left out of pocket, sometimes losing their savings or even their family home. Even seasoned investors have been caught out by scams.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Clone firms</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A <span style="font-family:'RN House Sans Regular';">&#8216;</span>clone firm<span style="font-family:'RN House Sans Regular';">&#8217;</span> uses the name, firm registration number (FRN) and address of a firm or individual who is FCA authorised. The scammer may claim that the genuine firm<span style="font-family:'RN House Sans Regular';">&#8217;</span>s contact details on the FCA Register (Register) are out of date and then use their own details, or copy the website of an authorised firm, making subtle changes such as the phone number. They may claim to be an overseas firm, which won<span style="font-family:'RN House Sans Regular';">&#8217;</span>t always have full contact and website details listed on the Register.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">How to protect yourself</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Always be wary if you<span style="font-family:'RN House Sans Regular';">&#8217;</span>re contacted out of the blue, pressured to invest quickly, or promised returns that sound too good to be true. FCA authorised firms are unlikely to contact you unexpectedly with an offer to buy or sell shares or bonds.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Please do not give any personal details to any caller unless you are certain that they are genuine. Check the Register to ensure the firm contacting you is authorised and also check the FCA<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Warning List of firms to avoid at <span style="color:#0000ff;text-decoration-color:#0000ff;text-decoration-line:underline;text-decoration-style:solid;">www.fca.org.uk/scamsmart</span>.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Ask for their (FRN) and contact details and then contact them using the telephone number on the Register. Never use a link in an email or website from the firm offering you an investment.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">It is strongly advised that you seek independent professional advice before making any investment</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;">Report a scam</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If you suspect that you have been approached by fraudsters, or have any concerns about a potential scam, report this to the FCA by contacting their Consumer Helpline on 0800 111 6768 or by using their reporting form which can be found on their website.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If you have already invested in a scam, fraudsters are likely to target you again or sell your details to other criminals. The follow-up scam may be completely separate, or may be related to the previous scam in the form of an offer to get your money back or buy back the investment on payment of a fee.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Find out more at <span style="color:#0000ff;text-decoration-color:#0000ff;text-decoration-line:underline;text-decoration-style:solid;">www.fca.org.uk/consumers.</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">163</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Analysisofordinaryshareholders_865194"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">Analysis of ordinary shareholders</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Number</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">of&#160;shares</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="color:#42145f;font-size:6pt;visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">At 31 December 2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">Shareholdings</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">-&#160;millions</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;">%</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Individuals</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 172,365</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 96,720,657</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.84</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Banks and nominee companies</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3,749</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,347,209,748</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 46.63</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Investment trusts</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 40</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 335,083</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Insurance companies</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 3</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 487,631</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other companies</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 433</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 26,797,269</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.24</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Pension trusts</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 20</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 33,956</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Other corporate bodies</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 68</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 5,996,398,291</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 52.29</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 176,678</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11,467,982,635</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 100.00</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Range of shareholdings:</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">1 - 1,000</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 152,553</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 36,685,708</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.32</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">1,001 - 10,000</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 22,253</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 51,255,478</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.45</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">10,001 - 100,000</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 993</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 30,052,411</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 0.26</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">100,001 - 1,000,000</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 520</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 185,638,204</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 1.62</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">1,000,001 - 10,000,000</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 272</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 923,070,585</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 8.05</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">10,000,001 and over</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 87</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 10,241,280,249</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 89.30</b></p></td></tr><tr><td style="vertical-align:bottom;width:61.98%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 176,678</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:11.6%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 11,467,982,635</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.8%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:10.5%;background:#f2f2f2;border-bottom:1.5pt solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="color:#42145f;font-weight:bold;white-space:pre-wrap;"> 100.00</b></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><a id="Tradingmarket_936791"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Trading market</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Non-cumulative dollar preference shares</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The following series of American Depositary shares (ADSs) representing non-cumulative preference shares issued in the US were outstanding at 31 December<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>2021:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:45.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:12.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:21.57%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:12.53%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:45.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:21.57%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Number&#160;of&#160;ADSs/non-cumulative</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.53%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Number&#160;of</p></td></tr><tr><td style="vertical-align:bottom;width:45.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Date of issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Series&#160;of&#160;ADS</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:21.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">preference&#160;shares&#160;in&#160;issue</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">registered&#160;holders</p></td></tr><tr><td style="vertical-align:bottom;width:45.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4 October 2007</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">U</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:21.57%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">10,130</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.58%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:12.53%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">1</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The ADSs set out above represents the right to receive one corresponding preference share, and is evidenced by an American Depositary Receipt (ADR) and is listed on the Over-The-Counter market on the TRACE platform.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The ADRs evidencing the ADSs above were issued pursuant to Deposit Agreements, among the company, The Bank of New York, as depository, and all holders from time-to-time of ADRs issued thereunder. 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Accordingly, on March 31, 2022 (the &quot;Redemption Date&quot;), the Series U Dollar Preference Shares, and the corresponding series of American Depositary Shares (&quot;Series U ADSs&quot;), will be redeemed in full at the redemption price of US$100,000 per Series U Dollar Preference Share plus accrued dividends for the current dividend period to, but excluding, the Redemption Date.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">ADSs representing ordinary shares</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In October<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>2007, the company listed ADSs, each representing one ordinary share nominal value 25p each (or a right to receive one ordinary share), and evidenced by an ADR or uncertificated securities, on the NYSE under the symbol <span style="font-family:'Calibri','Helvetica','sans-serif';">&#8216;</span>NWG<span style="font-family:'Calibri','Helvetica','sans-serif';">&#8217;</span>. With effect from 7 November<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>2008, the ratio of one ADS representing one ordinary share changed to one ADS representing 20 ordinary shares.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Following a sub-division and one-for-ten consolidation of NatWest Group<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ordinary shares in June 2012, the ratio of one ADS representing 20 ordinary shares was adjusted to one ADS representing two ordinary shares. As at 31 December<span style="font-family:'RN House Sans Regular';">&#160;</span>2020, 55.7 million ordinary ADSs were outstanding.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The ordinary ADSs were issued pursuant to a Deposit Agreement, among the company, The Bank of New York Mellon, as depository, and all owners and holders from time to time of ordinary ADSs issued thereunder. The ordinary shares of the company are listed and traded on the London Stock Exchange under the symbol <span style="font-family:'RN House Sans Regular';">&#8216;</span>NWG<span style="font-family:'RN House Sans Regular';">&#8217;</span>. All ordinary shares are deposited with the principal London office of The Bank of New York Mellon, as custodian for the depository.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">164</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="Dividendhistory_369142"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Dividend history</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Preference dividends</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-weight:bold;">&#160;&#160;&#160;&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;"><b style="font-weight:bold;">2021</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:center;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt 2.25pt 0pt 0pt;">2017</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;margin:0pt;"><b style="color:#5e10b1;font-weight:bold;">Amount per share</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">$</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;"><b style="font-weight:bold;">&#163;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#163;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#163;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#163;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:6pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:6pt;line-height:1.19;text-align:right;margin:0pt;">&#163;</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-cumulative preference shares of US$0.01</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series F (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.13</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series H (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.97</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series L (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 0.77</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series M (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series N (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series P (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series Q (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series R (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series S (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.14</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 1.28</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series T (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">-Series U (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> 2,538</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> 1,835</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 2,602</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,800</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,475</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 6,741</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-cumulative convertible preference shares of US$0.01</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">-Series 1 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 71.99</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-cumulative preference shares of &#8364;0.01</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">-Series 1 (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 44.65</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 48.98</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">-Series 2 (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 65.18</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 44.72</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">-series 3 (2)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 823</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 3,504</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-cumulative convertible preference shares of &#163;0.01</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">-Series 1 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 73.87</span></p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Non-cumulative preference shares of &#163;1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt;">&#160;&#160;</p></td></tr><tr><td style="vertical-align:bottom;width:51.52%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 0pt 6pt;">-Series 1 (1)</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;background:#f2f2f2;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><b style="font-weight:bold;white-space:pre-wrap;"> &#8212;</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> &#8212;</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.44%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 27.41</span></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.63%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">&#160;</p></td><td style="vertical-align:bottom;white-space:nowrap;width:6.41%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;text-align:right;margin:0pt 3pt 0pt 0pt;"><span style="white-space:pre-wrap;"> 26.67</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:13.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:8pt;">Classified as subordinated liabilities.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:13.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(2)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">Classified as equity.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On 26 November 2009, NatWest Group entered into a State Aid Commitment Deed with HM Treasury containing commitments and undertakings that were designed to ensure that HM Treasury was able to comply with the commitments to be given by it to the European Commission for the purposes of obtaining approval for the State aid provided to NatWest Group. As part of these commitments and undertakings, NatWest Group agreed not to pay discretionary coupons and dividends on its existing hybrid capital instruments for a period of two years. This period commenced on 30 April 2010 for NatWest Group instruments and ended on 30 April 2012; the two year deferral period for RBS Holdings N.V. instruments commenced on 1 April 2011 and ended on 1 April 2013. On 4 May 2012, NatWest Group determined that it was in a position to recommence payments on NatWest Group instruments. In June 2013 RBS Holdings N.V. resumed payments on its hybrid capital instruments. Future coupons and dividends on hybrid capital instruments will only be paid subject to, and in accordance with, the terms of the relevant instruments.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Ordinary dividends</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">In 2021 NatWest Group paid an interim dividend of <span style="font-family:'RN House Sans Regular';">&#163;</span>347 million, or 3.0p per ordinary share (2020 <span style="font-family:'RN House Sans Regular';">&#8211;</span> nil). In addition, the company had announced that the directors had recommended a final dividend of <span style="font-family:'RN House Sans Regular';">&#163;</span>844 million, or 7.5p per ordinary share (2020 - <span style="font-family:'RN House Sans Regular';">&#163;</span>364 million, or 3.0p per ordinary share), subject to shareholders<span style="font-family:'RN House Sans Regular';">&#8217;</span> approval at the Annual General Meeting on 28 April 2022.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">If approved, payment will be made on 4 May 2022 to shareholders on the register at the close of business on 18 March 2022. 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This summary assumes that a US Holder is holding ordinary shares, ordinary ADSs or preference ADSs, as applicable, as capital assets. This summary does not address the tax consequences to a US Holder (i)<span style="font-family:'RN House Sans Regular';">&#160;</span>that is resident in the UK for UK tax purposes, (ii)<span style="font-family:'RN House Sans Regular';">&#160;</span>that carries on a trade, profession or vocation through a branch, agency or permanent establishment in the UK in connection with which their ordinary shares, ordinary ADSs or preference ADSs are held, used or acquired, or (iii)<span style="font-family:'RN House Sans Regular';">&#160;</span>generally, that is a corporation which alone or together with one or more associated companies, controls, directly or indirectly, 10% or more of the voting stock of the company, nor does this summary address all of the tax consequences that may be relevant to a US Holder in light of its particular circumstances, including alternative minimum tax and Medicare contribution tax consequences, as well as differing tax consequences that may apply to US Holders subject to special rules, such as certain financial institutions, dealers or traders in securities who use a mark-to-market method of tax accounting, persons holding ordinary shares, ordinary ADSs or preference ADSs as part of a hedging transaction, straddle, wash sale, conversion transaction or integrated transaction or persons entering into a constructive sale with respect to such securities, persons whose functional currency for US federal income tax purposes is not the US dollar, persons required for US federal income tax purposes to conform the timing of income accruals to their financial statements under Section 451 of the Internal Revenue Code of 1986, as amended (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Code<span style="font-family:'RN House Sans Regular';">&#8221;</span>), entities classified as partnerships for US federal income tax purposes, tax-exempt entities or persons that own or are deemed to own 10% or more of the stock of the company by vote or value.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">165</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The statements and practices set forth below regarding US and UK tax laws, including the US/UK double taxation convention relating to income and capital gains which entered into force on 31 March<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>2003 (the <span style="font-family:'Calibri','Helvetica','sans-serif';">&#8220;</span>Treaty<span style="font-family:'Calibri','Helvetica','sans-serif';">&#8221;</span>) and the US/UK double taxation convention relating to estate and gift taxes (the <span style="font-family:'Calibri','Helvetica','sans-serif';">&#8220;</span>Estate Taxation Treaty<span style="font-family:'Calibri','Helvetica','sans-serif';">&#8221;</span>), are based on those laws and practices as in force and as applied in practice on the date of this report. This summary is not exhaustive of all possible tax considerations and holders are advised to satisfy themselves as to the overall tax consequences, including specifically the consequences under US federal, state, local and other laws, and possible changes in taxation law, of the acquisition, ownership and disposition of ordinary shares, ordinary ADSs or preference ADSs by consulting their own tax advisers.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 12pt 0pt;">The following discussion assumes that the company was not a passive foreign investment company for the taxable year ended 31 December<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>2021 - see <span style="font-family:'Calibri','Helvetica','sans-serif';">&#8216;</span>Passive Foreign Investment Company (PFIC) considerations<span style="font-family:'Calibri','Helvetica','sans-serif';">&#8217;</span> on page<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>168.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Ordinary shares, ordinary ADSs and preference ADSs</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Taxation of dividends</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">For the purposes of the Treaty, the Estate Taxation Treaty and the Code, US Holders of ordinary ADSs and preference ADSs should be treated as owners of the respective ordinary shares and the non-cumulative dollar preference shares underlying such ADSs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company is not required to withhold UK tax at source from dividend payments it makes or from any amount (including any amounts in respect of accrued dividends) distributed by the company. US Holders who are not resident in the UK and who do not carry on a trade, profession or vocation in the UK through a branch, agency or permanent establishment in connection with which their ordinary shares, ordinary ADSs or preference ADSs are held, used or acquired will not be subject to UK tax in respect of any dividends received on the relevant shares or ADSs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Distributions by the company (other than certain pro-rata distributions of ordinary shares or rights to receive such shares) will constitute foreign source dividend income for US federal income tax purposes to the extent paid out of the current or accumulated earnings and profits of the company, as determined under US federal income tax principles. Because the company does not maintain calculations of its earnings and profits under US federal income tax principles, it is expected that distributions will be reported to US Holders as dividends. Payments will not be eligible for the dividends-received deduction generally allowed to corporate US holders.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Subject to applicable limitations that vary depending upon a US Holder<span style="font-family:'RN House Sans Regular';">&#8217;</span>s particular circumstances, dividends paid to certain non-corporate US Holders may be taxable at the favourable rates applicable to long-term capital gain. Non-corporate US Holders should consult their own tax advisers to determine whether they are subject to any special rules<span style="font-family:'RN House Sans Regular';">&#160;</span>that limit their ability to be taxed at these favourable rates.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Dividends will be included in a US Holder<span style="font-family:'RN House Sans Regular';">&#8217;</span>s income on the date of the US Holder<span style="font-family:'RN House Sans Regular';">&#8217;</span>s (or in the case of ADSs, the depositary<span style="font-family:'RN House Sans Regular';">&#8217;</span>s) receipt of the dividend. The amount of any dividend paid in pounds sterling to be included in income by a US Holder will be the US dollar amount calculated by reference to the relevant exchange rate in effect on the date of such receipt regardless of whether the payment is in fact converted into US dollars. If the dividend is converted into US dollars on the date of receipt, the US Holder generally should not be required to recognise foreign currency gain or loss in respect of the dividend income. If the amount of such dividend is converted into US dollars after the date of receipt, the US Holder may have foreign currency gain or loss.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Taxation of Capital Gains</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A US Holder that is not resident in the UK will not normally be liable for UK tax on capital gains realised on the disposal of an ordinary share, an ordinary ADS or a preference ADS unless at the time of the disposal, in the case of a corporate US Holder, such US Holder carries on a trade in the UK through a permanent establishment or, in the case of any other US Holder, such US Holder carries on a trade, profession or vocation in the UK through a branch or agency and, in each case, such ordinary share, ordinary ADS or preference ADS is or has been used, held or acquired by or for the purposes of such trade (or profession or vocation), or carried on through such permanent establishment, branch or agency. Special rules<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>apply to individuals who are temporarily not resident in the UK.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A US Holder will, upon the sale or other disposition of an ordinary share, an ordinary ADS or a preference ADS, or upon the redemption of preference ADS, generally recognise capital gain or loss for US federal income tax purposes (assuming that in the case of a redemption of a preference ADS, such US Holder does not own, and is not deemed to own, any ordinary shares or ordinary ADSs of the company) in an amount equal to the difference between the amount realised (excluding, in the case of preference ADSs, any amounts attributable to declared but unpaid dividends, which will generally be treated as dividends for U.S. federal income tax purposes and the US Holder<span style="font-family:'RN House Sans Regular';">&#8217;</span>s tax basis in such share or ADS. This capital gain or loss will be long-term capital gain or loss if the US Holder held the share or ADS so sold, disposed or redeemed for more than one year. The deductibility of capital losses is subject to limitations.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A US Holder who is liable for both UK and US tax on a gain recognised on the disposal of an ordinary share, an ordinary ADS or a preference ADS should consult their own tax adviser regarding the credibility or deductibility of such UK tax for US federal income tax purposes.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Estate and gift tax</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Subject to the discussion of the Estate Tax Treaty in the following paragraph, ordinary shares, ordinary ADSs or preference ADSs beneficially owned by an individual may be subject to UK inheritance tax (subject to exemptions and reliefs) on the death of the individual or in certain circumstances, if such shares or ADSs are the subject of a gift (including a transfer at less than market value) by such individual. Inheritance tax is not generally chargeable on gifts to individuals made more than seven years before the death of the donor. Ordinary shares, ordinary ADSs or preference ADSs held by the trustees of a settlement may also be subject to UK inheritance tax. Special rules<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>apply to such settlements.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">166</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">An ordinary share, an ordinary ADS or a preference ADS beneficially owned by an individual, whose domicile is determined to be the United States for purposes of the Estate Tax Treaty and who is not a national of the UK, will not be subject to UK inheritance tax on the individual<span style="font-family:'RN House Sans Regular';">&#8217;</span>s death or on a lifetime transfer of such share or ADS, except in certain cases where the share or ADS (i)<span style="font-family:'RN House Sans Regular';">&#160;</span>is comprised in a settlement (unless, at the time of the settlement, the settlor was domiciled in the United States and was not a national of the UK); (ii)<span style="font-family:'RN House Sans Regular';">&#160;</span>is part of the business property of a UK permanent establishment of an enterprise; or (iii)<span style="font-family:'RN House Sans Regular';">&#160;</span>pertains to a UK fixed base of an individual used for the performance of independent personal services.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The Estate Tax Treaty generally provides a credit against US federal estate or gift tax liability for the amount of any tax paid in the UK in a case where the ordinary share, ordinary ADS or preference ADS is subject to both UK inheritance tax and US federal estate or gift tax.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">UK stamp duty and stamp duty reserve tax (SDRT)</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The following is a summary of the UK stamp duty and SDRT consequences of transferring an ADS (otherwise than to the custodian on cancellation of the ADS) or of transferring an ordinary share. A transfer of an ADS executed and retained in the United States will not give rise to a liability to pay stamp duty and an agreement to transfer an ADS through the facilities of DTC will not give rise to SDRT (provided that DTC has not made an election under section 97A of the UK Finance Act 1986). Stamp duty or SDRT will normally be payable on or in respect of transfers of ordinary shares and accordingly any holder that acquires or intends to acquire ordinary shares is advised to consult its own tax adviser in relation to stamp duty and SDRT.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Passive Foreign Investment Company (PFIC) considerations</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In general, a foreign corporation will be a PFIC for any taxable year in which, after taking into account the income and assets of the corporation and certain subsidiaries pursuant to applicable <span style="font-family:'RN House Sans Regular';">&#8216;</span>look-through rules<span style="font-family:'RN House Sans Regular';">&#8217;</span>, either (i)<span style="font-family:'RN House Sans Regular';">&#160;</span>at least 75% of its gross income is <span style="font-family:'RN House Sans Regular';">&#8216;</span>passive income<span style="font-family:'RN House Sans Regular';">&#8217;</span> or (ii)<span style="font-family:'RN House Sans Regular';">&#160;</span>at least 50% of the average value of its assets (generally determined on a quarterly basis) is attributable to assets that produce passive income or are held for the production of passive income. The company does not believe that it was a PFIC for its 2021 taxable year. Although interest income is generally passive income, a special rule (in proposed Treasury regulations that taxpayers may rely on pending finalization)<span style="font-family:'RN House Sans Regular';">&#160;</span>allows banks to treat their banking business income as non-passive. To qualify for this rule, a bank must satisfy certain requirements regarding its licensing and activities. The company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s possible status as a PFIC is determined annually, however, and may be subject to change if the company fails to qualify under this special rule<span style="font-family:'RN House Sans Regular';">&#160;</span>for any year in which a US Holder owned ordinary shares, ordinary ADSs or preference ADSs. In addition, no assurance can be given that the proposed Treasury regulations will be finalized in their current form.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If the company were to be treated as a PFIC for any taxable year during which a US Holder owns ordinary shares, ordinary ADSs or preference ADSs, US Holders would generally be subject to adverse US federal income tax consequences and certain reporting obligations. Holders should consult their own tax advisers as to the potential application of the PFIC rules to the ownership and disposition of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s ordinary shares, ordinary ADSs or preference ADSs.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Information reporting and backup withholding</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Payments on, and proceeds from the sale or disposition of, ordinary shares, ordinary ADSs or preference ADSs that are made within the United States or through certain US-related financial intermediaries may be subject to information reporting and backup withholding unless (i)<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>the US Holder is an exempt recipient or (ii)<span style="font-family:'Calibri','Helvetica','sans-serif';">&#160;</span>in the case of backup withholding, the US Holder provides a correct taxpayer identification number and certifies that it is not subject to backup withholding. The amount of any backup withholding from a payment to a US Holder will be allowed as a credit against the US Holder<span style="font-family:'Calibri','Helvetica','sans-serif';">&#8217;</span>s US federal income tax liability and may entitle it to a refund, provided that the required information is timely furnished to the Internal Revenue Service.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Foreign financial assets reporting</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Certain US Holders who are individuals (and certain specified entities) may be required to report information relating to the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s securities, of non-US. accounts through which such securities are held. US Holders are urged to consult their tax advisers regarding the application of these rules<span style="font-family:'RN House Sans Regular';">&#160;</span>in their particular circumstances.</p><a id="Exchangecontrols_1317"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Exchange controls</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company has been advised that there are currently no UK laws, decrees or regulations which would prevent the import or export of capital, including the availability of cash or cash equivalents for use by the Group, or the remittance of dividends, interest or other payments to non-UK resident holders of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s securities.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There are no restrictions under the Articles of Association of the company or under UK law, as currently in effect, which limit the right of non-UK resident owners to hold or, when entitled to vote, freely to vote the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s securities.</p><a id="MemorandumandArticlesofAssociation_42193"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Memorandum and Articles of Association</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Memorandum and Articles of Association as in effect at the date of this Annual Report on Form 20-F are registered with the Registrar of Companies of Scotland.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The following information is a summary of certain terms of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Memorandum of Association (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Memorandum<span style="font-family:'RN House Sans Regular';">&#8221;</span>) and Articles of Association (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Articles<span style="font-family:'RN House Sans Regular';">&#8221;</span>) as in effect at the date of this Annual Report on Form 20-F and certain relevant provisions of the Companies Act 2006 (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>2006 Act<span style="font-family:'RN House Sans Regular';">&#8221;</span>) where appropriate and as relevant to the holders of any class of share. In 2020, the Articles were updated primarily to bring clearer language into the Articles to better reflect current best practice. A summary of the principal changes is outlined below:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">167</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Shares</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">Under the previous Articles, the Company had the ability to issue </span><span style="font-family:'Symbol';font-size:8pt;">&#8216;</span><span style="font-size:8pt;">share warrants to bearer</span><span style="font-family:'Symbol';font-size:8pt;">&#8217;</span><span style="font-size:8pt;"> (bearer shares). Changes under The Small Business, Enterprise and Employment Act 2015 abolished bearer shares, therefore any articles associated with such were removed.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">Since the adoption of the previous Articles, the issued share capital of the Company has been streamlined and a number of share classes referred to within the previous Articles were no longer in issue. All unnecessary references to redundant classes of shares and their respective rights were removed.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">General Meetings</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">The Articles were amended to allow the Company to hold </span><span style="font-family:'Symbol';font-size:8pt;">&#8216;</span><span style="font-size:8pt;">hybrid</span><span style="font-family:'Symbol';font-size:8pt;">&#8217;</span><span style="font-size:8pt;"> general meetings to enable members to attend and participate in the business of the meeting by attending a satellite physical location or by means of an electronic facility. This is not intended to permit the Company to hold general meetings wholly by electronic means and the Company will remain able to hold physical general meetings.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">The Board</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">The wording relating to the circumstances in which a Director may be required to vacate office due to mental incapacity has been updated to reflect modern market practice.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">To better reflect current market practice, the Articles were extended to permit that Directors may signal their agreement with a decision of the board by electronic means.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Dividends</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">The provisions enabling the Directors to pay interim dividends have been clarified and simplified in accordance with modern market practice and these now protect the Directors from claims in respect of such dividends where they have acted in good faith.</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">The provisions have been clarified on the payment of dividends electronically, in line with market practice and reflecting that, increasingly, cheques and warrants are no longer the Company</span><span style="font-family:'Symbol';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s primary methods for paying dividends.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Communications by the Company</span></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-family:'Symbol';font-size:8pt;">&#183;</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">The wording was updated to reflect current practice in respect of the Company</span><span style="font-family:'Symbol';font-size:8pt;">&#8217;</span><span style="font-size:8pt;">s correspondence with shareholders, including permitting correspondence with untraced shareholders by email, and clarifying address requirements for overseas shareholders.]</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The following summary description is qualified in its entirety by reference to the terms and provisions of the Memorandum and Articles (and, in the case of the summary description of the non-cumulative preference shares, by reference to the terms of issue of those shares determined by the Directors pursuant to the Articles prior to allotment). The Memorandum and Articles are registered with the Registrar of Companies of Scotland. Holders of any class of share are encouraged to read the full Memorandum and Articles, which have been filed as an exhibit to this Annual Report on Form 20-F. The company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s Memorandum and Articles of Association as in effect at the date of this Annual Report are registered with the Registrar of Companies of Scotland. The current Articles were adopted on 28 April 2021 to reflect the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s change of name in July 2020 from The Royal Bank of Scotland Group plc to NatWest Group plc.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Incorporation and registration</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company was incorporated and registered in Scotland under the Companies Act 1948 as a limited company on 25 March 1968 under the name National and Commercial Banking Group Limited. On 3 September 1979 the name was changed to The Royal Bank of Scotland Group Limited and on 10 March 1982, it changed its name to its present name and was registered under the Companies Acts 1948 to 1980 as a public company with limited liability. The company is registered under Company No. SC45551. The Royal Bank of Scotland Group plc was renamed NatWest Group plc on 22 July 2020.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Purpose and objects</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The 2006 Act greatly reduces the constitutional significance of a company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s memorandum of association and provides that a memorandum of association will record only the names of the subscribers and the number of shares each subscriber has agreed to take in the company. The 2006 Act further states that, unless a company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s articles provide otherwise, a company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s objects are unrestricted and abolishes the need for companies to have objects clauses. The company removed its objects clause together with all other provisions of its memorandum of association which by virtue of the 2006 Act were treated as forming part of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s articles. The articles of association contain an express statement regarding the limited liability of the shareholders.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Directors</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">At each annual general meeting of the company, any Director appointed since the last annual general meeting and any Directors who were not appointed at one of the preceding two annual general meetings shall retire from office and may offer themselves for re-election by the members. Directors may be appointed by the company by ordinary resolution or by the Board. A director appointed by the Board holds office only until the next annual general meeting, whereupon he will be eligible for re-election.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Unless and until otherwise determined by ordinary resolution, the directors (other than alternate directors) shall be not more than twenty five. There is no stipulation in the Articles regarding a minimum number of directors; under the 2006 Act, and in the absence of express provision, the minimum number is two.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">168</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Directors</span><span style="color:#5e10b1;font-family:'RN House Sans Regular';font-size:12pt;">&#8217;</span><span style="color:#5e10b1;font-size:12pt;"> interests</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A director shall not vote at a meeting of the Board or a Committee of the Board on any resolution of the Board concerning a matter in which he has an interest (otherwise than by virtue of his interest in shares, debentures or other securities of, or otherwise in or through, the company) which (together with any interest of any person connected with him) is, to his knowledge, material unless his interests arises only because the resolution relates to one or more of the following matters:</p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(i)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">the giving of any security or indemnity to him pursuant to the Articles or in respect of money lent, or obligations incurred, by him at the request of, or for the benefit of, the company or any of its subsidiary undertakings;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(ii)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">the giving of any security or indemnity to a third party in respect of a debt or obligation of the company or any of its subsidiary undertakings for which he has assumed responsibility (in whole or in part) under a guarantee or indemnity or by the giving of security;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(iii)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">a proposal concerning an offer of shares, debentures or other securities of the company, or any of its subsidiary undertakings, for subscription or purchase, in which offer he is, or may be, entitled to participate as a holder of securities or in the underwriting or sub-underwriting of which he is to participate;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(iv)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">any proposal concerning any other body corporate in which he is interested, directly or indirectly, whether as an officer or shareholder or otherwise, provided that he is not the holder of shares representing one per cent or more of any class of the equity share capital of such body corporate;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(v)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">any proposal concerning the adoption, modification or operation of a pension fund or retirement, death or disability benefits scheme or employees</span><span style="font-family:'RN House Sans Regular';font-size:8pt;">&#8217;</span><span style="font-size:8pt;"> share scheme which relates both to directors and employees of the company or a subsidiary of the company and does not provide any privilege or advantage in respect of any director which it does not accord to the employees to which the fund or scheme relates;</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(vi)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">a contract or arrangement for the benefit of the employees of the company or any of its subsidiary undertakings which does not accord him any privilege or advantage not generally accorded to the employees to whom the contract or arrangement relates; and</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(vii)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">a proposal concerning any insurance which the company proposes to purchase and/or maintain for the benefit of any directors or for persons who include directors of the company.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Under the 2006 Act, a director must avoid a situation where he has, or can have, a direct or indirect interest that conflicts, or possibly may conflict, with the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s interests.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The 2006 Act allows directors of public companies, where appropriate, to authorise conflicts and potential conflicts where the articles of association contain a provision to this effect. The 2006 Act also allows the articles of association to contain other provisions for dealing with directors<span style="font-family:'RN House Sans Regular';">&#8217;</span> conflicts of interest to avoid a breach of duty.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Clause 91 of the Articles, gives the directors authority to authorise any matter which would or might otherwise constitute or give rise to a breach of the duty of a director under the 2006 Act to avoid a situation in which he has, or can have, a direct or indirect interest that conflicts, or possibly may conflict with the company.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Authorisation of any matter pursuant to Clause 91 must be approved in accordance with normal board procedures by directors who have no interest in the matter being considered. In taking the decision, the directors must act in a way they consider, in good faith, will be most likely to promote the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s success.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Any authorisation of a matter may be given on or subject to such conditions or limitations as the directors determine, whether at the time of authorisation or subsequently, including providing for the exclusion of the interested directors from the receipt of information or participation in discussion relating to the matter authorised by the directors and providing that interested directors in receipt of confidential information from a third party are not obliged to disclose such information to the company or use the information in relation to the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s affairs. Any authorisation may be terminated by the directors at any time.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">A director is not, except as otherwise agreed by him, accountable to the company for any benefit which he, or a person connected with him, derives from any matter authorised by the directors and any contract, transaction or arrangement relating to such matter is not liable to be avoided on the grounds of such benefit.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Directors</span><span style="color:#5e10b1;font-family:'RN House Sans Regular';font-size:12pt;">&#8217;</span><span style="color:#5e10b1;font-size:12pt;"> power to allot securities</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In line with market practice, the Articles provide that the authority to allot shares and the disapplication of pre-emption rights will not be set out in the Articles, but subject to resolutions passed at the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s annual general meeting to obtain these authorities on an annual basis.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Borrowing powers</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The directors may exercise all the powers of the company to borrow money and to mortgage or charge its undertaking, property and uncalled capital and to issue debentures and other securities, whether outright or as collateral security for any debt, guarantee, liability or obligation of the company, or of any third party.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Qualifying shareholding</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Directors are not required to hold any shares of the company by way of qualification.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">169</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Classes of shares</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company has issued and outstanding the following two general classes of shares, namely ordinary shares, and preference shares, to which the provisions set forth below apply.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Dividends</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">General</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Subject to the provisions of the 2006 Act and Clause 122 of the Articles, the company may, by ordinary resolution, declare dividends on ordinary shares save that no dividend shall be payable except out of profits available for distribution, or in excess of the amount recommended by the Board or in contravention of the special rights attaching to any share. Any dividend which has remained unclaimed for 12 years from the date of declaration shall be forfeited and shall revert to the company.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Dividends may be paid by such method as the Directors, in their absolute discretion may decide, and may include direct debit, bank transfer and electronic funds transfer, cheque, warrant or other financial instrument. The company may cease sending dividend warrants and cheques by post or otherwise to a member if such instruments have been returned undelivered to, or left uncashed by, that member on at least two consecutive occasions, or, following one such occasion, reasonable enquiries have failed to establish any new address or account of the registered holder. The company may resume sending warrants and cheques if the holder requests such recommencement in writing.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Preference shares</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Each cumulative preference share confers the right to a fixed cumulative preferential dividend payable half-yearly. Each non-cumulative preference share confers the right to a preferential dividend (not exceeding a specified amount) payable in the currency of the relevant share. The rate of such dividend and the date of payment thereof, together with the terms and conditions of the dividend, are as may be determined by the directors prior to allotment. Cumulative preference share dividends are paid in priority to any dividend on any other class of share.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The non-cumulative preference shares rank for dividend after the cumulative preference shares but rank pari passu with each other and any shares expressed to rank, in terms of participation in the profits of the company, in some or all respects pari passu therewith and otherwise in priority to dividends payable on the ordinary shares and any other share capital in the company.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The directors may resolve prior to the issue and allotment of any series of non-cumulative preference shares that full dividends in respect of a particular dividend payment date will not be declared and paid if, (i) in its sole and absolute discretion, the directors resolve prior to the relevant dividend payment date that such dividend (or part thereof) shall not be paid and/or (ii) in the opinion of the directors, payment of a dividend would cause a breach of the UK Financial Conduct Authority<span style="font-family:'RN House Sans Regular';">&#8217;</span>s capital adequacy requirements applicable to the company or its subsidiaries, or subject to the next following paragraph, insufficient distributable profits of the company are available to cover the payment in full of all dividends after having paid any dividends payable on any of the cumulative preference shares.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If dividends will be paid but, in the opinion of the directors, insufficient distributable profits of the company are available to cover the payment in full of dividends after having paid any dividends payable on any of the cumulative preference shares, dividends will be declared by the directors, pro rata on the non-cumulative preference shares to the extent of the available distributable profits.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The non-cumulative preference shares will carry no further rights to participate in the profits of the company and if, and to the extent, any dividend or part of any dividend is on any occasion not paid for any of the reasons described above, holders of non-cumulative preference shares will have no claim in respect of such non-payment.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If any dividend is not payable for the reasons described in clause (ii) of the third paragraph of this subsection, the directors may pay a special dividend not exceeding US$0.01, <span style="font-family:'RN House Sans Regular';">&#163;</span>0.01 or <span style="font-family:'RN House Sans Regular';">&#8364;</span>0.01 (depending on the currency of the relevant preference share) per share.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If the dividend payable on any series of non-cumulative preference shares on the most recent payment date is not paid in full, or if a sum is not set aside to provide for such payment in full, in either case for the reasons set forth in clause (ii) of the third paragraph of this subsection, no dividends may be declared on any other share capital of the company and no sum may be set aside for the payment of a dividend on any other share capital (in each case other than the cumulative preference shares), unless, on the date of declaration, an amount equal to the dividend payable in respect of the then current dividend period for such series of non-cumulative preference shares is set aside for payment in full on the next dividend payment date.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If any dividend payable on the non-cumulative preference shares is not paid in full or if a sum is not set aside to provide for such payment in full (in either case for the reasons set forth in clause (ii) of the third paragraph of this subsection), the company may not redeem or purchase or otherwise acquire any other share capital of the company and may not set aside any sum nor establish any sinking fund for its redemption, purchase or other such acquisition, until such time as dividends have been declared and paid in full in respect of successive dividend periods together aggregating not less than twelve months.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The non-payment of any dividend (in full or in part) by reason of the exercise of the directors<span style="font-family:'RN House Sans Regular';">&#8217;</span> discretion referred to in clause (i) of the third paragraph of this subsection, shall not prevent or restrict (a) the declaration and payment of dividends on any other series of non-cumulative preference shares or on any non-cumulative preference shares expressed to rank pari passu with the non-cumulative preference shares, (b) the setting aside of sums for the payment of such dividends, (c) except as set forth in the following paragraph, the redemption, purchase or other acquisition of shares in the company by the company, or (d) except as set forth in the following paragraph, the setting aside of sums, or the establishment of sinking funds, for any such redemption, purchase or other acquisition by the company.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">170</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If dividends are not declared and paid in full on any series of non-cumulative preference shares as a result of the directors<span style="font-family:'RN House Sans Regular';">&#8217;</span> discretion referred to in clause (i) of the third paragraph of this subsection, then the company may not redeem, purchase or otherwise acquire for any consideration any share capital ranking after such preference shares, and may not set aside any sum nor establish any sinking fund for the redemption, purchase or other acquisition thereof, until such time as the company has declared and paid in full dividends on such series of non-cumulative preference shares in respect of successive dividend periods together aggregating no less than twelve months. In addition, no dividend may be declared or paid on any of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s share capital ranking after such preference shares until the dividend in respect of a particular dividend payment date payable on the preference shares to which the directors<span style="font-family:'RN House Sans Regular';">&#8217;</span> discretion in clause (i) of the third paragraph of this subsection applies has been declared and paid in full.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">With effect from 19 April 2011, subject to existing class rights of shareholders, new preference shares can be issued with such rights and restrictions as the directors may determine.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Distribution of assets on liquidation</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Cumulative preference shares</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">In the event of a return of capital on a winding-up or otherwise, the holders of cumulative preference shares are entitled to receive out of the surplus assets of the company available for distribution amongst the members (i) in priority to the holders of the non-cumulative preference shares and any other shares ranking pari passu therewith, the arrears of any fixed dividends including the amount of any dividend due for a payment after the date of commencement of any winding-up or liquidation but which is payable in respect of a half-year period ending on or before such date and (ii) pari passu with the holders of the non-cumulative preference shares and any other shares ranking pari passu therewith, the amount paid up or credited as paid up on such shares together with any premium.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Non-cumulative preference shares</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Each non-cumulative preference share will confer on a winding up or liquidation (except (unless otherwise provided by the terms of issue) a redemption or purchase by the company of any shares in the capital of the company), the right to receive out of surplus assets of the company available for distribution amongst the members after payment of the arrears (if any) of the cumulative dividend on the cumulative preference shares and in priority to the holders of the ordinary shares, repayment of the amount paid up or credited as paid up on the non-cumulative preference shares together with any premium paid on issue pari passu with the holders of the cumulative preference shares and together with an amount equal to accrued and unpaid dividends.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">General</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">On a winding-up of the company, the liquidator may, with the authority of any extraordinary resolution and any other sanction required by the Insolvency Act 1986 and subject to the rights attaching to any class of shares after payment of all liabilities, including the payment to holders of preference shares, divide amongst the members in specie or kind the whole or any part of the assets of the company or vest the whole or any part of the assets in trustees upon such trusts for the benefit of the members and may determine the scope and terms of those trusts. No member shall be compelled to accept any assets on which there is a liability.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Voting Rights</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">General</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Subject to any rights or restrictions as to voting attaching to any shares or class of shares, on a show of hands every member who is present in person or by proxy at a general meeting shall have one vote (except that a proxy who is appointed by more than one member has one vote for and one vote against if the proxy has been instructed by one or more members to vote for the resolution and by one or more members to vote against the resolution) and on a poll every member present in person or by proxy shall have one vote for each 25 pence in nominal amount of shares held by him. No member shall, unless the directors otherwise determine, be entitled to vote at a general meeting or at a separate meeting of the holders of shares in the capital of the company, either in person or by proxy, in respect of any share held by him unless all monies presently payable by him in respect of that share have been paid. There is no obligation on the company to check and ensure that a proxy is voting at a general meeting in accordance with the voting directions provided by the appointing member. The chairman of a general meeting does not have a casting vote in the event of an equality of votes, as this is not permitted under the 2006 Act. The quorum required for a meeting of members is not less than five members present in person and entitled to vote.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If a meeting is adjourned because of the lack of a quorum, the members present in person or by proxy and entitled to vote will constitute a quorum at the adjourned meeting.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Meetings are convened upon written notice of not less than 21 days in respect of annual general meetings of members and not less than 14 days in respect of other meetings of members subject to certain conditions. An adjourned meeting may be called at shorter notice than applied to the original meeting, but where a meeting is adjourned for lack of quorum only if the adjourned meeting is held at least ten days after the original meeting and does not include any new business.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Cumulative preference shares</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">At a general meeting of the company, every holder of a cumulative preference share who is present in person or by proxy shall be entitled to one vote on a show of hands and, on a poll, every person who is present in person or by proxy shall have one vote for each 25 pence in nominal amount of shares held. No member shall be entitled to vote any share in person or by proxy unless all moneys owed in respect of that share have been paid.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Non-cumulative preference shares</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Holders of non-cumulative preference shares are not entitled to attend or vote at any general meeting unless the business of the meeting includes the consideration of a resolution for the winding-up of the company or any resolution directly varying or abrogating the rights attached to any such shares and then in such case only to speak to and vote upon any such resolution. However, holders have the right to vote in respect of any matter when the dividend payable on their shares has not been declared in full for such number of dividend periods as the directors shall determine prior to the allotment thereof.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">171</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Whenever a holder is entitled to vote at a general meeting, on a show of hands every shareholder who is present in person has one vote and, on a poll, every such holder who is present in person or by proxy shall have such number of votes as may be determined by the directors prior to allotment.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Redemption</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Except as set forth in the following paragraph, unless the directors determine, prior to allotment of any particular series of non-cumulative preference shares, that such series shall be non-redeemable, the preference shares will be redeemable at the option of the company on any date which (subject to certain exceptions described in the terms of such shares) falls no earlier than such date (if any) as may be fixed by the directors, prior to allotment of such shares. On redemption, there shall be paid on each non-cumulative preference share the aggregate of its nominal amount together with any premium paid on issue, where applicable a redemption premium and accruals of dividend.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">If the company wishes to issue redeemable shares, the Directors are authorised to determine the terms and manner of redemption.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Purchase</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">General</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Under the 2006 Act a company requires shareholder authority to purchase its own shares, consolidate and sub-divide its shares and reduce its share capital.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Whenever non-cumulative preference shares are issued in the future the Articles have no restriction on the maximum purchase price payable by the company unless such restriction is expressly applied by the directors in relation to an issuance of non-cumulative preference shares.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Changes in share capital and variation of rights</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Subject to the provisions of the 2006 Act and without prejudice to any rights attached to any existing shares or class of shares, any share may be issued with such rights or restrictions as the company may by ordinary resolution determine or, subject to and in default of such determination, as the Board shall determine. Subject to the provisions of the 2006 Act, the company may issue shares which are, or at the option of the company or the holder are liable, to be redeemed. Subject to the provisions of the 2006 Act and the Articles, unissued shares are at the disposal of the Board.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company may by ordinary resolution: increase its share capital; consolidate and divide all or any of its share capital into shares of larger amount than its existing shares; subject to the provisions of the 2006 Act, subdivide its shares, or any of them, into shares of smaller amount than is fixed by the Memorandum; or cancel any shares which have not been taken or agreed to be taken by any person and diminish the amount of its share capital by the amount of the shares so cancelled.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Subject to the provisions of the 2006 Act, if at any time the capital of the company is divided into different classes of shares, the rights attached to any class of shares may (unless further conditions are provided by the terms of issue of the shares of that class) be varied or abrogated, whether or not the company is being wound up, either with the consent in writing of the holders of three-quarters in-nominal value of the issued shares of the class or with the sanction of an extraordinary resolution passed at a separate general meeting of holders of the shares of the class (but not otherwise). To any such separate general meeting the provision of the Articles relating to general meeting s will apply, save that:</p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(i)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">if at any adjourned meeting of such holders a quorum as defined above is not present, two people who hold shares of the class, or their proxies, are a quorum; and</span></p></td></tr></table><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.2pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">(ii)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:10pt;margin-top:0pt;"><span style="font-size:8pt;">any such holder present in person or by proxy may demand a poll.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The rights attaching to any class of shares having preferential rights are not, unless otherwise expressly provided by the terms of issue thereof, deemed to be varied by the creation or issue of further shares ranking, as regards participation in t he profits or assets of the company, pari passu therewith, but in no respect in priority thereto.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Disclosure of interests in shares</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The 2006 Act gives the company the power to require persons who it believes to be, or have been within the previous three years, interested in its shares, to disclose prescribed particulars of those interests. Failure to supply the information or supplying a statement which is materially false may lead to the Board imposing restrictions upon the relevant shares. The restrictions available are the suspension of voting or other rights conferred by membership in relation to meetings of the company in respect of the relevant shares and, additionally, in the case of a shareholding representing at least 0.25 per cent of the class of shares concerned, the withholding of payment of dividends on, and the restriction of transfers of, the relevant shares.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Limitations on rights to own share</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">There are no limitations imposed by UK law or the Memorandum and Articles on the right of non-residents or foreign persons to hold or vote the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s shares other than the limitations that would generally apply to all of the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s shareholders.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Members resident abroad</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Members with registered addresses outside the United Kingdom are not entitled to receive notices from the company unless they have given the company an address within the United Kingdom at which such notices may be served.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Sending notices and other documents to shareholders</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company may communicate with members by electronic and/or website communications. A member whose registered address is not within the United Kingdom shall not be entitled to receive any notice from the Company unless he gives the Company a postal address within the United Kingdom at which notices may be given to him.</p><a id="Documentsondisplay_637965"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Documents on display</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Documents concerning the company may be inspected at 36 St Andrew Square, Edinburgh, EH2 2YB.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">172</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Executive directors<span style="font-family:'RN House Sans Regular';">&#8217;</span> service contracts and copies of directors<span style="font-family:'RN House Sans Regular';">&#8217;</span> indemnities granted by the company in terms of section 236 of the Companies Act 2006 may be inspected at the company<span style="font-family:'RN House Sans Regular';">&#8217;</span>s office at Gogarburn, Edinburgh, EH12 1HQ (telephone +44 (0)131 556 8555).</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">We are subject to the informational requirements of the U.S. Securities Exchange Act of 1934, as amended (the <span style="font-family:'RN House Sans Regular';">&#8220;</span>Exchange Act<span style="font-family:'RN House Sans Regular';">&#8221;</span>), and in accordance therewith, we file reports and other information with the SEC. The SEC<span style="font-family:'RN House Sans Regular';">&#8217;</span>s website, at http://www.sec.gov, and our website, at http://www.natwestgroup.com, contain reports and other information in electronic form that we have filed. Except for SEC filings incorporated by reference in this prospectus supplement and the accompanying prospectus, none of the information on or that can be access through our website is part of this prospectus supplement or the accompanying prospectus. You may also request a copy of any filings referred to below (other than exhibits not specifically incorporated by reference) at no cost, by contacting us at NatWest Group plc, Gogarburn, P.O. Box 1000, Edinburgh EH12 1HQ, Scotland. Telephone +44 (0) 131 556 8555.</p><a id="Incorporationandregistration_472667"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#5e10b1;font-size:12pt;">Incorporation and registration</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The company was incorporated and registered in Scotland under the Companies Act 1948 as a limited company on 25 March 1968 under the name National and Commercial Banking Group Limited, and changed its name to The Royal Bank of Scotland Group Limited on 3 September 1979. On 10 March 1982 it was re-registered under the Companies Acts 1948 to 1980 as a public company with limited liability. The company is registered under Company No. SC45551. The Royal Bank of Scotland Group plc was renamed NatWest Group plc on 22 July 2020.</p><a id="Importantaddresses_416695"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Important addresses</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Shareholder enquiries Registrar</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Computershare Investor Services PLC</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">The Pavilions</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Bridgwater Road Bristol BS99 6ZZ</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Telephone: +44 (0)370 702 0135</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Facsimile: +44 (0)370 703 6009</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Website: www-uk.computershare.com/investor/contactus</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">ADR Depositary Bank</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">BNY Mellon Shareowner Services</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">PO Box 505000</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Louisville, KY 40233-5000</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Direct Mailing for overnight packages:</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">BNY Mellon Shareowner Services</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">462 South 4th Street</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Suite 1600</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Louisville KY 40202</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Telephone: 1-888-269-2377 (US callers <span style="font-family:'RN House Sans Regular';">&#8211;</span> toll free)</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Telephone: +1 201 680 6825 (International)</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Email: shrrelations@cpushareownerservices.com</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Website: www.mybnymdr.com</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Corporate Governance</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">NatWest Group plc</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">PO Box 1000</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Gogarburn Edinburgh EH12 1HQ</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Telephone: +44 (0)370 702 0135</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Investor Relations</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">250 Bishopsgate London EC2M 4AA</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Telephone: +44 (0)207 672 1758</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Facsimile: +44 (0)207 672 1801</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Email: <span style="color:#0000ff;text-decoration-color:#0000ff;text-decoration-line:underline;text-decoration-style:solid;">investor.relations@natwest.com</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Registered office</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">36 St Andrew Square</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Edinburgh EH2 2YB</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Telephone: +44 (0)131 556 8555</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Registered in Scotland No. SC45551</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Website</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">natwestgroup.com</p><a id="Principaloffices_820863"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Principal offices</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">PO Box 1000, Gogarburn, Edinburgh EH12 1HQ</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">173</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="color:#003366;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;font-weight:bold;line-height:1.19;margin:0pt 0pt 12pt 0pt;"><span style="color:#42145f;font-weight:normal;">Shareholder information continued</span></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Markets Plc</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">250 Bishopsgate, London, EC2M 4AA, England</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">National Westminster Bank Plc</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">250 Bishopsgate, London, EC2M 4AA, England</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Ulster Bank Limited</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">11-16 Donegall Square East,</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Belfast, Co Antrim, BT1 5UB, Northern Ireland</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Ulster Bank Ireland DAC</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Ulster Bank Head Office, Block B</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Central Park, Leopardstown</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Dublin 18, D18 N153</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Markets Group Holdings Corp</b><b style="color:#06b3bb;font-weight:bold;">.</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">251 Little Falls Drive</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Wilmington, DE, 19808</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">Coutts &amp; Company</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">440 Strand, London WC2R 0QS, England</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:9pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">The Royal Bank of Scotland International Limited</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Royal Bank House, 71 Bath Street</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">St Helier, JE4 8PJ</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt;"><span style="font-size:0pt;line-height:1.19;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">174</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_40e9d7aa_f8c8_4d02_9014_6271db728f76"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;font-size:12pt;">Exhibit Index</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">1.1</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465921032442/a20-38587_8ex1d1.htm"><span style="font-style:normal;font-weight:normal;">Memorandum and Articles of Association of NatWest Group plc (previously filed and incorporated by reference to Exhibit 1.1 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2020 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2.1</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/853667/000101915520000322/natwestda.htm"><span style="font-style:normal;font-weight:normal;">Form of Amended and Restated Deposit Agreement among NatWest Group plc, The Bank of New York and all owners and holders from time to time of American Depositary Shares issued thereunder, including the Form of the American Depositary Receipt (previously filed in preliminary form as Exhibit 1 to the Registration Statement on Form F-6 filed on October 6, 2020, Registration No. 333-144756)</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2.2</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000101915505000197/rbsexhibit1depagmt.htm"><span style="font-style:normal;font-weight:normal;">Form of Deposit Agreement among NatWest Group plc, The Bank of New York and all holders from time to time of American Depositary Receipts issued thereunder, including the Form of the American Depositary Receipt (previously filed in preliminary form as Exhibit 1 to the Registration Statement on Form F-6 filed on August 26, 2005, Registration No. 333-127687)</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2.3</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Neither NatWest Group plc nor NatWest Markets plc is party to any single instrument relating to long-term debt pursuant to which a total amount of securities exceeding 10% of the Group<span style="font-family:'RN House Sans Light';">&#8217;</span>s total assets (on a consolidated basis) is authorized to be issued. Each of NatWest Group plc and NatWest Markets plc hereby agrees to furnish to the Securities and Exchange Commission (the <span style="font-family:'RN House Sans Light';">&#8220;</span>Commission<span style="font-family:'RN House Sans Light';">&#8221;</span>), upon its request, a copy of any instrument defining the rights of holders of its long-term debt or the rights of holders of the long-term debt of any of its subsidiaries for which consolidated or unconsolidated financial statements are required to be filed with the Commission</p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">2.4</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="nwg-20211231xex2d4.htm"><span style="font-style:normal;font-weight:normal;">Description of Securities Registered under Section 12 of the Exchange Act</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.1</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex4d1.htm"><span style="font-style:normal;font-weight:normal;">Service agreement for Alison Rose-Slade, Group Chief Executive, dated 31 October 2019 (previously filed and incorporated by reference to Exhibit 4.1 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2019 (file No. 1-10306))</span></a> </p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.2</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d2.htm"><span style="font-style:normal;font-weight:normal;">Service Agreement for Katie Murray, Chief Financial Officer, dated 1 February 2019 (previously filed and incorporated by reference to Exhibit 4.2 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.3</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d3.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Howard Davies, Non-Executive Director and Chairman, dated 30 May 2018 (previously filed and incorporated by reference to Exhibit 4.3 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.4</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d4.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Michael Rogers, Non-Executive Director, dated 30 May 2018 (previously filed and incorporated by reference to Exhibit 4.4 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.5</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d5.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Frank Dangeard, Non-Executive Director, dated 30 May 2018 (previously filed and incorporated by reference to Exhibit 4.5 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.6</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d6.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Mark Seligman, Non-Executive Director, dated 30 May 2018 (previously filed and incorporated by reference to Exhibit 4.6 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.7</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d7.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Dr. Lena Wilson, Non-Executive Director, dated 30 May 2018 (previously filed and incorporated by reference to Exhibit 4.7 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.8</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d8.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Patrick Flynn, Non-Executive Director, dated 26 April 2018 (previously filed and incorporated by reference to Exhibit 4.8 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.9</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d11.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Morten Friis, Non-Executive Director, dated 30 May 2018 (previously filed and incorporated by reference to Exhibit 4.11 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.10</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d12.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Robert Gillespie, Non-Executive Director, dated 30 May 2018 (previously filed and incorporated by reference to Exhibit 4.12 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.11</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465921032442/a20-38587_8ex4d14.htm"><span style="font-style:normal;font-weight:normal;">Letter of Appointment for Yasmin Jetha, Non-Executive Director, dated 30 March 2020 (previously filed and incorporated by reference to Exhibit 4.14 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2020 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.12</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465921032442/a20-38587_8ex4d15.htm"><span style="font-style:normal;font-weight:normal;">Standard Terms of Appointment for Non-Executive Directors(previously filed and incorporated by reference to Exhibit 4.15 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2020 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.13</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465921032442/a20-38587_8ex4d16.htm"><span style="font-style:normal;font-weight:normal;">Form of Deed of Indemnity for Directors (previously filed and incorporated by reference to Exhibit 4.16 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2020 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.14</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;" href="https://www.sec.gov/Archives/edgar/data/844150/000095010316012074/dp64322_ex0406.htm"><span style="font-style:normal;font-weight:normal;">Memorandum of Understanding between National Westminster Bank Plc and RBS Pension Trustee Limited, dated 26 January 2016 (previously filed and incorporated by reference to Exhibit</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">4.6</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">to the Group</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2015 (File No. 1-10306))</span></a> </p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.15</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d16.htm"><span style="font-style:normal;font-weight:normal;">Framework Agreement dated 28 September 2018 relating to the Royal Bank of Scotland Group Pension Fund (previously filed and incorporated by reference to Exhibit 4.16 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">4.16<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000095010310001203/dp16844_ex0419.htm"><span style="font-style:normal;font-weight:normal;">Acquisition and contingent capital agreement dated 26 November 2009 among NatWest Group plc and The Commissioners of Her Majesty</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Treasury (previously filed and incorporated by reference to Exhibit</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">4.19</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2009 (File No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">4.17<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000095010310001203/dp16844_ex0425.htm"><span style="font-style:normal;font-weight:normal;">State Aid Cost Reimbursement Deed dated 26 November 2009 among The Commissioners of Her Majesty</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Treasury and NatWest Group plc (previously filed and incorporated by reference to Exhibit</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">4.25</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2009 (File No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">4.18<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d19.htm"><span style="font-style:normal;font-weight:normal;">Framework and State Aid Deed dated 25 April 2018, among The Commissioners of Her Majesty</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Treasury, Banking Competition Remedies Limited and NatWest Group plc (previously filed and incorporated by reference to Exhibit 4.19 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">4.19<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d20.htm"><span style="font-style:normal;font-weight:normal;">Trust Deed dated 25 April 2018, between the Banking Competition Remedies Limited and NatWest Group plc (previously filed and incorporated by reference to Exhibit 4.20 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;margin:0pt;">4.20<sup style="font-size:6pt;line-height:100%;top:0pt;vertical-align:top;">(1)</sup></p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d21.htm"><span style="font-style:normal;font-weight:normal;">Deed of Indemnity dated 25 April 2018, between The Commissioners of Her Majesty</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Treasury and NatWest Group plc (previously filed and incorporated by reference to Exhibit 4.21 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.21</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="https://www.sec.gov/Archives/edgar/data/844150/000095010315002570/dp54511_ex0412.htm"><span style="font-style:normal;font-weight:normal;">Relationship Agreement, dated</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">7 November 2014 among Her Majesty</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Treasury and NatWest Group plc (Previously filed and incorporated by reference to Exhibit</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">4.12</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#160;</span><span style="font-style:normal;font-weight:normal;">to the Group</span><span style="font-family:'Calibri','Helvetica','sans-serif';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2014 (File No. 1-10306))</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">4.22</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;" href="https://www.sec.gov/Archives/edgar/data/844150/000110465919011451/a18-40313_1ex4d23.htm"><span style="font-style:normal;font-weight:normal;">Share Purchase Deed dated 7 February 2019 between NatWest Group plc and The Commissioners of Her Majesty</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Treasury (previously filed and incorporated by reference to Exhibit 4.23 to the Group</span><span style="font-family:'RN House Sans Light';font-style:normal;font-weight:normal;">&#8217;</span><span style="font-style:normal;font-weight:normal;">s Annual Report on Form 20-F for the fiscal year ended 31 December 2018 (file No. 1-10306))</span></a> </p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">8.1</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;" href="nwg-20211231xex8d1.htm"><span style="font-style:normal;font-weight:normal;">Principal subsidiaries of NatWest Group plc</span></a> </p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">12.1</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;" href="nwg-20211231xex12d1.htm"><span style="font-style:normal;font-weight:normal;">CEO certification required by Rule 13a-14(a)</span></a> </p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">12.2</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;" href="nwg-20211231xex12d2.htm"><span style="font-style:normal;font-weight:normal;">CFO certification required by Rule 13a-14(a)</span></a> </p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">13.1</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;" href="nwg-20211231xex13d1.htm"><span style="font-style:normal;font-weight:normal;">Certification required by Rule 13a-14(b)</span></a> </p></td></tr></table></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">175</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">15.1</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="nwg-20211231xex15d1.htm"><span style="font-style:normal;font-weight:normal;">Consent of independent registered public accounting firm (Ernst &amp; Young LLP)</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">15.2</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><a style="-sec-extract:exhibit;font-size:8pt;" href="nwg-20211231xex15d2.htm"><span style="font-style:normal;font-weight:normal;">Annual Report and Form 20-F Information 2021</span></a></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="font-size:8pt;visibility:hidden;">&#8203;</span></p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">101.INS</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">XBRL Instance Document</p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">101.SCH</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">XBRL Taxonomy Extension Scheme</p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">101.CAL</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">XBRL Taxonomy Extension Scheme Calculation Linkbase</p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">101.DEF</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">XBRL Taxonomy Extension Scheme Definition Linkbase</p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">101. LAB</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">XBRL Taxonomy Extension Scheme Label Linkbase</p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">101.PRE</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">XBRL Taxonomy Extension Scheme Presentation Linkbase</p></td></tr><tr style="height:1pt;"><td style="vertical-align:top;width:8.34%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">104</p></td><td style="vertical-align:top;width:91.65%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Cover Page Interactive Data File (formatted as Inline XBRL and included in Exhibit 101)</p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">Note<b style="font-weight:bold;">:</b></p><table style="border-collapse:collapse;border:0;"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">(1)</span></p></td><td style="padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><span style="font-size:6pt;">Confidential treatment has been granted.</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">176</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:88.24%;border:0;margin:30pt 5.88% 30pt 5.88%;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="margin-top:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div><div style="clear:both;max-width:100%;position:relative;"><a id="_2a082a6e_23fc_4455_866d_0fe0ed36e5e2"></a><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 5.44pt 242.65pt;"><b style="font-weight:bold;">SIGNATURE</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;">The registrant hereby certifies that it meets all of the requirements for filing on Form 20-F and that it has duly caused and authorized the undersigned to sign this annual report on its behalf.</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="font-weight:bold;">NatWest Group plc</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Registrant</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">/s/ Katie Murray</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Katie Murray</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">Group Chief Financial Officer</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;">3 March 2022</p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 6.09pt 0pt;"><span style="font-size:8pt;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><span style="line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p><p style="display:none;font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:0pt;margin:0pt 0pt 10pt 0pt;"><span style="font-size:0pt;line-height:1.19;margin-bottom:0pt;visibility:hidden;">&#8203;</span></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:14pt 0pt 0pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;table-layout:fixed;width:100%;"><tr><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><b style="color:#42145f;font-weight:bold;">NatWest Group plc</b><span style="color:#42145f;"> &#8211; Annual Report on Form 20-F</span></p></td><td style="vertical-align:top;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;line-height:1.19;margin:0pt;"><span style="color:#42145f;">177</span></p></td></tr></table><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:right;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div>
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-2.4
<SEQUENCE>2
<FILENAME>nwg-20211231xex2d4.htm
<DESCRIPTION>EXHIBIT 2.4
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  9.11.0.85--><!--Created on: 3/3/2022 09:22:16 PM (UTC)--><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Exhibit 2.4</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">DESCRIPTION OF SECURITIES REGISTERED UNDER SECTION 12 OF THE EXCHANGE ACT</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">As of December 31, 2021, Natwest Group plc (the &#8220;Company,&#8221; &#8220;NatWest Group,&#8221; &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221;), formerly Royal Bank of Scotland Group plc, had the following series of securities registered pursuant to Section 12(b) of the Act:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;" align="center"><tr><td style="vertical-align:bottom;width:33.33%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Title of each class</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Trading symbol</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Name of each exchange on which registered</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">American Depositary Shares, each representing 2 ordinary shares, nominal value &#163;1 per share</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Ordinary shares, nominal value &#163;1 per share</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;white-space:nowrap;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange*</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Dollar Perpetual Regulatory Tier 1 Securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWGP1</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">6.125% Subordinated Tier 2 Notes due 2022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 22</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">6.000% Subordinated Tier 2 Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 23A</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">6.100% Subordinated Tier 2 Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 23</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Fixed-to-Fixed Reset Rates Subordinated Tier 2 Notes due 2029</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 29A</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Fixed-to-Fixed Reset Rates Subordinated Tier 2 Notes due 2035</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 35</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">3.875% Senior Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 23B</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">3.498% Fixed Rate / Floating Rate Senior Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 23D</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">2.359% Senior Callable Fixed-to-Fixed Reset Rate Green Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 24C</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.519% Fixed Rate / Floating Rate Senior Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 24A</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.269% Fixed Rate / Floating Rate Senior Notes due 2025</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 25</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">3.073% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2028</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 28</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">5.076% Fixed Rate / Floating Rate Senior Notes due 2030</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 30</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.445% Fixed Rate / Floating Rate Senior Notes due 2030</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 30A</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Senior Floating Rate Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 23C</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Senior Floating Rate Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 24B</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">5.125% Subordinated Tier 2 Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 24</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.892% Fixed Rate / Floating Rate Senior Notes due 2029</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG 29</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr></table></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;" align="center"><tr><td style="vertical-align:bottom;width:33.33%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2027</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:30%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">NWG27</p></td><td style="vertical-align:bottom;white-space:nowrap;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:31.2%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">The New York Stock Exchange</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr></table></div><div style="font-family:'Times New Roman','Times','serif';font-size:10.0pt;margin-bottom:0pt;margin-top:0pt;min-height:1.19em;position:relative;width:100%;"><hr noshade="true" color="#000000" size="1.5" width="25.0%" style="background-color:#000000;color:#000000;height:1.5pt;position:relative;top:0.6em;border:none;margin:0pt;" align="left"></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 2.5pt 0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-size:9pt;">*</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-size:9pt;">Not for trading, but only in connection with the registration of American Depositary Shares representing such Ordinary Shares pursuant to the requirements of the Securities and Exchange Commission.</font></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Capitalized terms used but not defined herein have the meanings given to them in NatWest Group&#8217;s annual report on Form 20-F for the fiscal year ended December 31, 2021.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">ORDINARY SHARES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The following description of our ordinary shares is a summary and does not purport to be complete. It is subject to and qualified in its entirety by NatWest Group&#8217;s Articles of Association and by the Companies Act 1985 and the Companies Act 2006 and any other applicable English law concerning companies, as amended from time to time.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">A copy of NatWest Group&#8217;s Articles of Association is filed as Exhibit 1.1 to our annual report on Form 20-F for the fiscal year ended December 31, 2021, incorporated by reference herein.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Share Capital</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">As at December 31, 2021, our allotted, called up and fully paid share capital was as follows.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;" align="center"><tr style="height:1pt;"><td style="vertical-align:bottom;width:64.17%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:top;width:2.5%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:33.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:64.17%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 0pt 6pt;">(Title of each class)</p></td><td style="vertical-align:top;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">&#160;&#160;&#160;&#160;</p></td><td style="vertical-align:bottom;width:33.32%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;">(Number of outstanding shares)</p></td></tr><tr><td style="vertical-align:bottom;width:64.17%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Ordinary shares of &#163;1 each </p></td><td style="vertical-align:top;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:33.32%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">11,467,982,635</p></td></tr><tr><td style="vertical-align:bottom;width:64.17%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">11% cumulative preference shares</p></td><td style="vertical-align:top;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:33.32%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">240,686</p></td></tr><tr><td style="vertical-align:bottom;width:64.17%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">5&#189;% cumulative preference shares</p></td><td style="vertical-align:top;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:33.32%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">242,454</p></td></tr><tr><td style="vertical-align:bottom;width:64.17%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Non-cumulative dollar preference shares, Series U</p></td><td style="vertical-align:top;width:2.5%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:33.32%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">10,130</p></td></tr></table></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Voting Rights</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to any special rights or restrictions provided by the articles of association attaching to any shares or class of shares, on a show of hands every member who is present in person or by proxy shall have one vote (except that a proxy who is appointed by more than one member has one vote for and one vote against if the proxy has been instructed by one or more members to vote for the resolution and by one or more members to vote against the resolution), and on a poll every member who is present in person or by proxy shall have one vote for each 25 pence in nominal amount of shares held by him. Voting rights may not be exercised by a member who has been served with a restriction notice after failure to provide us with information concerning interests in shares to be provided under U.K. law.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Holders of non-cumulative preference shares are not entitled to attend or vote at any general meeting unless the business of the meeting includes the consideration of a resolution for the winding-up of NatWest Group or any resolution directly varying or abrogating the rights attached to any such shares and then in such case only to speak to and vote upon any such resolution. However, holders have the right to vote in respect of any matter when the dividend payable on their shares has not been declared in full for such number of dividend periods as the directors shall determine prior to the allotment thereof. Whenever a holder is entitled to vote at a general meeting, on a show of hands every shareholder who is present in person has one vote and, on a poll, every such holder who is present in person or by proxy shall have such number of votes as may be determined by the directors prior to allotment.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Shareholders&#8217; Meetings</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The Board must call an annual general meeting in each period of six months beginning with the day following our accounting reference date. Other general meetings may be called by the directors whenever they think fit. The</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">2</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">directors must also convene a meeting upon the request of shareholders holding not less than 5% of our paid-up capital carrying voting rights at general meetings of shareholders. A request for a general meeting of shareholders must state the general nature of the business to be dealt with at the meeting, and must be signed by the requesting shareholders and deposited at our registered office or an address specified by us for the purpose. If our directors fail to give notice of such meeting to shareholders within 21 days from receipt of notice (the meeting in question to be held on a date not more than 28 days after the date of the notice convening the meeting), the shareholders that requested the general meeting, or any of them representing more than one-half of the total voting rights of all shareholders that requested the meeting, may themselves convene a meeting, but any meeting so convened shall not be held after the expiration of three months. Any such meeting must be convened in the same manner, as nearly as possible, as that in which meetings are to be convened by our directors.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We must give at least 21 days&#8217; notice of a general meeting but, in the case of any general meeting other than an annual general meeting, the Companies Act 2006 (the &#8220;2006 Act&#8221;) allows us to use a shorter notice period of 14 days provided that certain conditions are met, including the passing of an appropriate resolution at an annual general meeting. Notice shall be given to the auditors and to every member of NatWest Group, other than those who are not entitled to receive such notice under the provisions of the articles of association.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We may not hold an annual or general meeting at short notice other than in relation to a general meeting that is adjourned.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The notice calling a general meeting must specify the place, day and time of the meeting.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Attendance at Shareholders&#8217; Meetings; Proxies and Votes by Mail</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In general, all shareholders (subject to restrictions for holders of non-cumulative preference shares as set out above) who have properly registered their shares may participate in general meetings. Shareholders may attend, speak and vote in person or by proxy.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In order to attend or vote at any general meeting, a person must be entered on the register of members by the time, being not more than 48 hours before the meeting, specified in the notice of the general meeting (as described below under &#8220;&#8211;Quorum&#8221;).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">A shareholder may appoint a proxy in writing or by electronic communication. The appointment of a proxy must be delivered to or received by us at the address specified for that purpose not later than 48 hours before the time appointed for the holding of the meeting. A proxy need not be a member of NatWest Group.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Quorum</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The articles of association state that no business other than the appointment of a chairman of the meeting shall be transacted at any general meeting unless a quorum is present. A quorum for the purposes of a general meeting is five shareholders present in person and entitled to vote at the meeting.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">If a quorum is not present at a general meeting within 15 minutes of the time appointed for the meeting (or such longer time not exceeding one hour as the chairman of the meeting may determine), the meeting shall be adjourned to either the day and time specified in the notice convening the meeting for such purpose or (if not specified) such time as the chairman of the meeting may determine. In the event of the latter, not less than seven days&#8217; notice of the adjourned meeting (or such longer notice as may be required by statute) shall be given. If a quorum is not present at the adjourned meeting within 15 minutes of the time appointed, the members present in person or by proxy and entitled to vote at the meeting shall constitute a quorum.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Votes Required for Shareholder Action</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">An ordinary resolution must receive more than 50% of the votes cast to be passed. A special resolution must receive at least 75% of the votes cast in order to be passed.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">3</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Financial Statements and Other Communications with Shareholders</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Not less than 21 days before the date of an annual general meeting, we must send a copy of every balance sheet and profit and loss account which is to be laid before a general meeting, and a copy of the Director&#8217;s and Auditors&#8217; reports, to every member of NatWest Group and every person who is entitled to receive notice of the meeting. Alternatively, such persons can elect to receive only a copy of NatWest Group&#8217;s strategic report or can elect to view the aforementioned documents on our website.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Dividends</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to the provisions of the 2006 Act and Clause 123 of the Articles, we may, by ordinary resolution, declare dividends on ordinary shares save that no dividend shall be payable except out of profits available for distribution, or in excess of the amount recommended by the Board or in contravention of the special rights attaching to any share. Any dividend which has remained unclaimed for 12 years from the date of declaration shall be forfeited and shall revert to us.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We may cease sending dividend warrants and cheques by post or otherwise to a member if such instruments have been returned undelivered to, or left uncashed by, that member on at least two consecutive occasions, or, following one such occasion, reasonable enquiries have failed to establish any new address or account of the registered holder. We may resume sending warrants and cheques if the holder requests such recommencement in writing.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">default of such determination, as the Board shall determine. Subject to the provisions of the 2006 Act, we may issue shares which are, or at our option or the holder are liable, to be redeemed. Subject to the provisions of the 2006 Act and the Articles, unissued shares are at the disposal of the Board.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We may by ordinary resolution: increase our share capital; consolidate and divide all or any of our share capital into shares of larger amount than our existing shares; subject to the provisions of the 2006 Act, subdivide our shares, or any of them, into shares of smaller amount than is fixed by the Memorandum; or cancel any shares which have not been taken or agreed to be taken by any person and diminish the amount of our share capital by the amount of the shares so cancelled.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to the provisions of the 2006 Act, if at any time our capital is divided into different classes of shares, the rights attached to any class of shares may (unless further conditions are provided by the terms of issue of the shares of that class) be varied or abrogated, whether or not we are being wound up, either with the consent in writing of the holders of three-quarters in-nominal value of the issued shares of the class or with the sanction of a special resolution passed at a separate general meeting of holders of the shares of the class (but not otherwise). To any such separate general meeting the provision of the Articles relating to general meetings will apply, save that:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(i)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">if at any adjourned meeting of such holders a quorum as defined above is not present, two people who hold shares of the class, or their proxies, are a quorum; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(ii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">any such holder present in person or by proxy may demand a poll. The rights attaching to any class of shares having preferential rights are not, unless otherwise expressly provided by the terms of issue thereof, deemed to be varied by the creation or issue of further shares ranking, as regards participation in our profits or assets, <i style="font-style:italic;">pari passu</i> therewith, but in no respect in priority thereto.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Pre-emption Rights</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Under U.K. law, if we issue specific kinds of additional securities, current shareholders will have pre-emption rights to those securities on a pro rata basis.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The shareholders may, by way of a special resolution, grant authority to the directors to allot shares as if the pre-emption rights did not apply. This authority may be either specific or general and may not exceed a period of five years. If the directors wish to seek authority to disapply the pre-emption rights in relation to a specific</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">4</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">allotment, the directors must produce a statement that is circulated to shareholders detailing their reasons for seeking the disapplication of such pre-emption rights.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Form, Holding and Transfer of Shares</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Shares may be held in either certificated or uncertificated form.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Certificated Shares</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Shares held in certificated form are evidenced by a certificate and a register of shareholders is maintained by our registrar. Any member may transfer all or any of his certificated shares by an instrument of transfer in any usual form or a form approved by the directors.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Title to certificated shares is evidenced by entry in the register of our members.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The directors may decline to register any transfer of a certificated share unless:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(i)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the instrument of transfer is lodged at the specified place and accompanied by the certificate for the shares to which it relates;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(ii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the instrument of transfer is in respect of only one class of share; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(iii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">in the case of a transfer to joint holders, the number of joint holders to whom the share is to be transferred does not exceed four.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Uncertificated Shares</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">NatWest Group shares held in uncertificated form are held through CREST (computerised settlement system to facilitate the transfer of title to shares in uncertificated form operated by Euroclear UK).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to any applicable restrictions in the articles of association, any member may transfer all or any of his uncertificated shares by means of a relevant system in the manner provided for in the Uncertificated Securities Regulations 2001 and the rules of the relevant system.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Title to uncertificated shares is evidenced by entry in the operator register maintained by Euroclear UK (which forms part of the register of our members).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The directors may decline to register the transfer of an uncertificated share in accordance with the Uncertificated Securities Regulations 2001, and, in the case of jointly held shares, where the share is to be transferred to more than four joint holders.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">No fee is payable for the registration of transfers of either certificated of uncertificated shares, although there may be U.K. stamp duty and SDRT consequences.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Liquidation Rights</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">If NatWest Group is liquidated, the liquidator may, with the authority of a special resolution, divide among the members in specie or kind the whole or any part of the assets of NatWest Group. The liquidator may determine how such division is to be carried out as between members or classes of members. No member shall be compelled to accept any assets on which there is a liability.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Non-voting deferred shares</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">On a winding-up or other return of our capital, holders of non-voting deferred shares are entitled only to payment of the amounts paid up on the non-voting deferred shares, after repayment to the holders of ordinary shares</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">5</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">of the nominal amount paid up on the ordinary shares held by them and payment of &#163;100,000 on each ordinary share.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">General</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">On our winding-up, the liquidator may, with the authority of any extraordinary resolution and any other sanction required by the Insolvency Act 1986 and subject to the rights attaching to any class of shares after payment of all liabilities, including the payment to holders of preference shares, divide amongst the members in specie or kind the whole or any part of our assets or vest the whole or any part of the assets in trustees upon such trusts for the benefit of the members and may determine the scope and terms of those trusts. No member shall be compelled to accept any assets on which there is a liability.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Disclosure of Holdings Exceeding Certain Percentages</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The Disclosure and Transparency Rules require each shareholder to notify us if the voting rights held by him (including by way of certain financial instrument) reaches, exceeds or falls below 3%, 4%, 5%, 6%, 7%, 8%, 9%, 10% and each 1% threshold thereafter up to 100%. Under the Disclosure and Transparency Rules, certain voting rights in NatWest Group may be disregarded.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Pursuant to the 2006 Act, we may also send a notice to any person whom we know or believes to be interested in our shares requiring that person to confirm whether he has such an interest and if so details of that interest.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Under the articles of association and U.K. law, if a person fails to comply with such a notice or provides information that is false in a material particular in respect of any shares (the &#8220;default shares&#8221;), the Directors may serve a restriction notice on such person. Such a restriction notice will state that the default shares and, if the Directors determine, any other shares held by that person, shall not confer any right to attend or vote at any general meeting of NatWest Group.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In respect of a person with a 0.25% or more interest in our issued ordinary share capital, the Directors may direct in the restriction notice that, subject to certain exceptions, no transfers of shares held by such person (in certificated or uncertificated form) shall be registered and that any dividends or other payments on the shares shall be retained by us pending receipt by us of the information requested by the Directors.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Purchase of Shares by NatWest Group</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to U.K. law (which includes a requirement to obtain shareholder authority), and to any rights conferred on the holders of any class of shares and to any requirements imposed by the London Stock Exchange, we may purchase any of our own shares. The directors are not obliged to select the shares to be purchased rateably or in any other particular manner as between the holders of shares of the same class or different classes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Conversion</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Convertible preference shares carry the right to convert into ordinary shares if they have not been the subject of a notice of redemption from us, on or before a specified date determined by the Directors. The right to convert will be exercisable by service of a conversion notice on us within a specified period. We will use reasonable endeavors to arrange the sale, on behalf of convertible preference shareholders who have submitted a conversion notice, of the ordinary shares which result from such conversion and to pay to them the proceeds of such sale so that they receive net proceeds equal to the nominal value of the convertible preference shares which were the subject of the conversion notice and any premium at which such shares were issued, provided that ordinary shares will not be sold at below a benchmark price (as determined prior to the issue of the relevant convertible preference shares by the Directors).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">6</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Lien and Forfeiture</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We have a lien on every partly paid share for all amounts payable to us in respect of that share. The Directors may call any monies unpaid on shares and may sell shares on which calls or amounts payable under the terms of issues are not duly paid.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Ownership of Shares by Non-U.S. Persons</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">There are no provisions in the articles of association that restrict non-resident or foreign shareholders from holding NatWest Group shares or from exercising voting rights attaching to NatWest Group shares.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Untraceable Shareholders</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We shall be entitled to sell, at the best price reasonably obtainable, the shares of a member or the shares to which a person is entitled by transmission if:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(i)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">during a period of 12 years ending on date of advertising our intention to sell such shares at least three cash dividends in respect of such shares have become payable but all dividends or other moneys payable remain unclaimed;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(ii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">we have inserted advertisements in one daily newspaper with a national circulation in the United Kingdom, one Scottish daily newspaper and one newspaper circulating in the area of the last known address of the member or other person giving notice of our intention to sell the shares;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(iii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">during the period referred to in sub-paragraph (i) above and the period of three months following the publication of the advertisements referred to in sub-paragraph (ii) above, we receive no indication of the whereabouts or existence of the member or other person; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:25.2pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">(iv)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">if the shares are listed on the London Stock Exchange, we give notice to the London Stock Exchange of its intention to sell the shares prior to publication of the advertisements.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The net proceeds of such sale shall belong to us, which shall be obliged to account to the former member or other person previously entitled to the shares for an amount equal to the proceeds as a creditor of NatWest Group.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">ORDINARY SHARE AMERICAN DEPOSITARY SHARES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The Bank of New York Mellon, as the depositary, will register and deliver ordinary share ADSs, each representing two NatWest Group plc ordinary shares (or a right to receive two NatWest Group plc ordinary shares) deposited with the London branch of The Bank of New York Mellon, as custodian. Each ordinary share ADS will also represent any other securities, cash or other property which may be held by the depositary. The depositary&#8217;s principal executive office and its corporate trust office at which the register will be administered is located at 240 Greenwich Street, New York 10286.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">You may hold ordinary share ADSs either (i) directly (a) by having an ordinary share ADR, which is a certificate evidencing a specific number of ordinary share ADSs, registered in your name, or (b) by holding ordinary share ADSs in the Direct Registration System, or (ii) indirectly through your broker or other financial institution. If you hold ordinary share ADSs directly, you are an ordinary share ADS holder. This description assumes you hold your ordinary share ADSs directly. If you hold the ordinary share ADSs indirectly, you must rely on the procedures of your broker or other financial institution to assert the rights of ordinary share ADS holders described in this section. You should consult with your broker or financial institution to find out what those procedures are.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The Direct Registration System, or DRS, is a system administered by DTC that facilitates interchange between registered holding of uncertificated securities and holding of security entitlements in those securities through DTC and DTC participants.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">7</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">As an ordinary share ADS holder, we will not treat you as one of our shareholders and you will not have shareholder rights. United Kingdom law governs shareholder rights. The depositary will be the holder of the shares underlying your ordinary share ADSs. As a holder of ordinary share ADSs, you will have ordinary share ADS holder rights. The ordinary share ADS deposit agreement among NatWest Group plc, the depositary and you, as an ordinary share ADS holder, and the beneficial owners of ordinary share ADSs sets out ordinary share ADS holder rights as well as the rights and obligations of the depositary. New York law governs the ordinary share ADS deposit agreement and the ordinary share ADSs.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">NatWest Group plc may from time to time request owners of ordinary share ADSs to provide information as to (a) the capacity in which such owners own or owned ordinary share ADSs, (b) the identity of any other persons then or previously having a beneficial interest in such ordinary share ADSs and the nature of such interest and various other matters and (c) any other matter where disclosure of such matter is required for compliance with applicable laws and regulations or the articles of association or similar document of NatWest Group plc. Each owner of ordinary share ADSs agrees to provide any information requested by NatWest Group plc or the depositary pursuant to the ordinary share ADS deposit agreement. Each holder consents to the disclosure by the depositary and the owner or any other holder through which it holds ADSs, directly or indirectly, of all information responsive to a request made pursuant to the deposit agreement relating to that holder that is known to that owner or other holder. The depositary agrees to comply with reasonable written instructions received from time to time from NatWest Group plc requesting that the depositary forward any such requests to the owners of ordinary share ADSs and to forward to NatWest Group plc any such requests received by the depositary.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The following is a summary of the material provisions of the ordinary share ADS deposit agreement. For more complete information, you should read the entire ordinary share ADS deposit agreement and the form of American depositary receipt.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Dividends and Other Distributions</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The depositary has agreed to pay to you the cash dividends or other distributions it or the custodian receives on ordinary shares or other deposited securities, after deducting its fees and expenses. You will receive these distributions in proportion to the number of NatWest Group plc ordinary shares your ordinary share ADSs represent.</p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><i style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:italic;font-weight:normal;text-align:left;">Cash</i><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">. The depositary will convert any cash dividend or other cash distribution we pay on the NatWest Group plc ordinary shares into U.S. dollars, if it can do so on a reasonable basis and can transfer the U.S. dollars to the United States. If that is not possible or if any government approval is needed and cannot be obtained, the ordinary share ADS deposit agreement allows the depositary to distribute the foreign currency only to those ordinary share ADS holders to whom it is possible to do so. It will hold the foreign currency it cannot convert for the account of the ordinary share ADS holders who have not been paid. It will not invest the foreign currency and it will not be liable for any interest. Before making a distribution, any withholding taxes, or other governmental charges that must be paid, will be deducted. The depositary will distribute only whole U.S. dollars and cents and will round fractional cents to the nearest whole cent. If the exchange rates fluctuate during a time when the depositary cannot convert the foreign currency, you may lose some or all of the value of the distribution.</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><i style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:italic;font-weight:normal;text-align:left;">Shares</i><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">. The depositary may distribute additional ordinary share ADSs representing any shares we distribute as a dividend or free distribution. The depositary will only distribute whole ordinary share ADSs. It will sell shares which would require it to deliver a fractional ordinary share ADS and distribute the net proceeds in the same way as it does with cash. If the depositary does not distribute additional ordinary share ADSs, the outstanding ordinary share ADSs will also represent the new shares. The depositary may sell a portion of the distributed shares sufficient to pay its fees and expenses in connection with that distribution.</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><i style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:italic;font-weight:normal;text-align:left;">Rights to purchase additional shares</i><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">. If we offer holders of our securities any rights to subscribe for additional shares or any other rights, the depositary may, after consultation with NatWest Group plc, make these rights available to you. If the depositary decides it is not legal and practical to make the rights available but that it is practical to sell the rights, the depositary will use reasonable efforts to sell the rights</font></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">8</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;">and distribute the proceeds in the same way as it does with cash. The depositary will allow rights that are not distributed or sold to lapse. In that case, you will receive no value for them.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">If the depositary makes rights available to you, it will exercise the rights and purchase the shares on your behalf. The depositary will then deposit the shares and deliver ordinary share ADSs to you. It will only exercise rights if you pay it the exercise price and any other charges the rights require you to pay.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">U.S. securities laws may restrict transfers and cancellation of the ordinary share ADSs represented by shares purchased upon exercise of rights. For example, you may not be able to trade these ordinary share ADSs freely in the United States. In this case, the depositary may deliver restricted depositary shares that have the same terms as the ordinary share ADSs described in this section except for changes needed to put the necessary restrictions in place.</p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><i style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:italic;font-weight:normal;text-align:left;">Other Distributions</i><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">. After consultation with NatWest Group plc to the extent practicable, the depositary will send to you anything else NatWest Group plc distributes on deposited securities by any means it thinks is legal, fair and practical. If it cannot make the distribution in that way, the depositary has a choice. It may, after consultation with NatWest Group plc to the extent practicable, decide to sell what we distributed and distribute the net proceeds, in the same way as it does with cash. Or, it may decide to hold what we distributed, in which case ordinary share ADSs will also represent the newly distributed property. However, the depositary is not required to distribute any securities (other than ordinary share ADSs) to you unless it receives reasonably satisfactory evidence from us that it is legal to make that distribution. The depositary may sell a portion of the distributed securities or property sufficient to pay its fees and expenses in connection with that distribution.</font></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The depositary is not responsible if it decides that it is unlawful or impractical to make a distribution available to any ordinary share ADS holders. We have no obligation to register ordinary share ADSs, shares, rights or other securities under the Securities Act. We also have no obligation to take any other action to permit the distribution of ordinary share ADSs, shares, rights or anything else to ordinary share ADS holders. This means that you may not receive the distributions we make on our shares or any value for them if it is illegal or impractical for NatWest Group plc to make them available to you.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Deposit, Withdrawal and Cancellation</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The depositary will deliver ordinary share ADSs if you or your broker deposit shares or evidence of rights to receive shares with the custodian. Upon payment of its fees and expenses and of any taxes or charges, such as stamp taxes or stock transfer taxes or fees and including a U.K. SDRT charge on the value of the ordinary shares so deposited, the depositary will register the appropriate number of ordinary share ADSs in the names you request and will deliver the ordinary share ADSs to or upon the order of the person or persons that made the deposit.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">You may surrender your ordinary share ADSs at the depositary&#8217;s corporate trust office. Upon payment of its fees and expenses and of any taxes or charges, such as stamp taxes or stock transfer taxes or fees, the depositary will deliver the shares and any other deposited securities underlying the ordinary share ADSs to you or a person you designate at the office of the custodian. Or, at your request, risk and expense, the depositary will deliver the deposited securities at its corporate trust office, if feasible.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">You may surrender your ordinary share ADR to the depositary for the purpose of exchanging your ordinary share ADR for uncertificated ordinary share ADSs. The depositary will cancel that ordinary share ADR and will send you a statement confirming that you are the owner of uncertificated ordinary share ADSs. Alternatively, upon receipt by the depositary of a proper instruction from a holder of uncertificated ordinary share ADSs requesting the exchange of uncertificated ordinary share ADSs for certificated ordinary share ADSs, the depositary will execute and deliver to you an ordinary share ADR evidencing those ordinary share ADSs.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Voting Rights</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">You may instruct the depositary to vote the number of deposited shares your ordinary share ADSs represent. The depositary will notify you of shareholders&#8217; meetings and arrange to deliver our voting materials to you if we ask</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">9</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">it to. Those materials will describe the matters to be voted on and explain how you may instruct the depositary how to vote. For instructions to be valid, they much reach the depositary by a date set by the depositary.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Otherwise, you won&#8217;t be able to exercise your right to vote unless you withdraw the shares. However, you may not know about the meeting enough in advance to withdraw the shares.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The depositary shall not vote or attempt to exercise the right to vote that attaches to the deposited shares other than in accordance with the instructions given by the owners and received by the depositary, subject to the laws of the United Kingdom and our articles of association.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We cannot assure you that you will receive the voting materials in time to ensure that you can instruct the depositary to vote your shares. In addition, the depositary and its agents are not responsible if they fail to carry out voting instructions or for the manner of carrying out voting instructions. This means that you may not be able to exercise your right to vote and there may be nothing you can do if your shares are not voted as you requested.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In order to give you a reasonable opportunity to instruct the depositary as to the exercise of voting rights relating to Deposited Securities (as defined in the ordinary share ADS deposit agreement), if we request the depositary to act, we will try to give the depositary notice of any such meeting and details concerning the matters to be voted upon and copies of materials to be made available to holders of shares in connection with the meeting not less than 45 days in advance of the meeting date.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Fees and Expenses</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0.5pt;padding-right:0.5pt;width:100%;" align="center"><tr style="height:1pt;"><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr style="height:12.6pt;"><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">For:</b></p></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Persons depositing or withdrawing shares must pay:</b></p></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Issuance of ordinary share ADSs, including issuances resulting from a distribution of shares or rights or other property</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">$5.00 (or less) per 100 ordinary share ADSs (or portion of 100 ordinary share ADSs)</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Cancellation of ordinary share ADSs for the purpose of withdrawal, including if the ordinary share ADS deposit agreement terminates</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">$5.00 (or less) per 100 ordinary share ADSs (or portion of 100 ordinary share ADSs)</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Any cash distribution to you</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">$0.02 (or less) per ordinary share ADS</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Distribution of securities distributed to holders of deposited securities which are distributed by the depositary to holders</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">A fee equivalent to the fee that would be payable if securities distributed to you had been shares and the shares had been deposited for issuance of ordinary share ADSs</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Depositary services</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">$0.02 (or less) per ordinary share ADSs per annum</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Transfer and registration of shares on our share register to or from the name of the depositary or its agent when you deposit or withdraw shares</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Registration or transfer fees</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Cable, telex and facsimile transmissions (when expressly provided in the ordinary share ADS deposit agreement)</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Expenses of the depositary</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Converting foreign currency to U.S. dollars</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Expenses of the depositary</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">As necessary</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Taxes and other governmental charges the depositary or the custodian have to pay on any ordinary share ADS or share underlying an ordinary share ADS, for example, stock transfer taxes, stamp duty or withholding taxes</p></div></div></div></td></tr><tr><td style="vertical-align:top;width:48.72%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">As necessary</p></div></div></div></td><td style="vertical-align:top;width:2.74%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:18pt;text-indent:-18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:48.53%;margin:0pt;padding:0pt 0.5pt 0pt 0.5pt;"><div border="0" cellpadding="0" cellspacing="0" style="display:table;"><div style="display:table-row;"><div style="display:table-cell;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></div><div style="display:table-cell;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Any charges incurred by the depositary or its agents for servicing the deposited securities</p></div></div></div></td></tr></table></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Payment of Taxes</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">You will be responsible for any taxes or other governmental charges payable on your ordinary share ADSs or on the deposited securities represented by any of your ordinary share ADSs. The depositary may refuse to register</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">10</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">any transfer of your ordinary share ADSs or allow you to withdraw the deposited securities represented by your ordinary share ADSs until such taxes or other charges are paid. It may apply payments owed to you or sell deposited securities represented by your ordinary share ADSs to pay any taxes owed and you will remain liable for any deficiency. If the depositary sells deposited securities, it will, if appropriate, reduce the number of ordinary share ADSs to reflect the sale and pay to you any proceeds, or send to you any property, remaining after it has paid the taxes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Reclassifications, Recapitalizations and Mergers</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">If we:</p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">change the nominal or par value of our shares</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">reclassify, split up or consolidate any of the deposited securities</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">distribute securities on the shares that are not distributed to you</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">recapitalize, reorganize, merge, liquidate, sell all or substantially all of our assets, or take any similar action</font></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">then the cash, shares or other securities received by the depositary will become deposited securities. Each ordinary share ADS will automatically represent its equal share of the new deposited securities. The depositary may, and will if we ask it to, distribute some or all of the cash, shares or other securities it received. It may also deliver new ordinary share ADRs or ask you to surrender your outstanding ordinary share ADRs in exchange for new ordinary share ADRs identifying the new deposited securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Amendment and Termination</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We may agree with the depositary to amend the ordinary share ADS deposit agreement and the ordinary share ADRs without your consent for any reason. If an amendment adds or increases fees or charges, except for taxes and other governmental charges or expenses of the depositary for registration fees, facsimile costs, delivery charges or similar items, or prejudices a substantial right of ordinary share ADS holders, it will not become effective for outstanding ordinary share ADSs until 30 days after the depositary notifies ordinary share ADS holders of the amendment. At the time an amendment becomes effective, you are considered, by continuing to hold your ordinary share ADSs, to agree to the amendment and to be bound by the ordinary share ADRs and the ordinary share ADS deposit agreement as amended.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The depositary will terminate the ordinary share ADS deposit agreement at our direction by mailing notice of termination to the ordinary share ADS holders then outstanding at least 30 days prior to the date fixed in such notice for such termination. The depositary may also terminate the ordinary share ADS deposit agreement by mailing notice of termination to us and the ordinary share ADS holders then outstanding if 60 days have passed since the depositary told us it wants to resign but a successor depositary has not been appointed and accepted its appointment.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">After termination, the depositary and its agents will do the following under the ordinary share ADS deposit agreement but nothing else: collect distributions on the deposited securities, sell rights and other property, and deliver shares and other deposited securities upon cancellation of ordinary share ADSs. Four months after termination, the depositary may sell any remaining deposited securities by public or private sale. After that, the depositary will hold the money it received on the sale, as well as any other cash it is holding under the ordinary share ADS deposit agreement for the pro rata benefit of the ordinary share ADS holders that have not surrendered their ordinary share ADSs. It will not invest the money and has no liability for interest. The depositary&#8217;s only obligations will be to account for the money and other cash. After termination our only obligations will be to indemnify the depositary and to pay fees and expenses of the depositary that we agreed to pay.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">11</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Limitations on Obligations and Liability</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The ordinary share ADS deposit agreement expressly limits our obligations and the obligations of the depositary. It also limits our liability and the liability of the depositary. We and the depositary:</p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">are only obligated to take the actions specifically set forth in the ordinary share ADS deposit agreement without negligence or bad faith;</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">are not liable if we are or it is prevented or delayed by law or circumstances beyond our control from performing our or its obligations under the ordinary share ADS deposit agreement;</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">are not liable if we or it exercises, or fails to exercise, discretion permitted under the ordinary share ADS deposit agreement;</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">have no obligation to become involved in a lawsuit or other proceeding related to the ordinary share ADSs or the ordinary share ADS deposit agreement on your behalf or on behalf of any other person; and</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">may rely upon any documents we believe or it believes in good faith to be genuine and to have been signed or presented by the proper person.</font></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In the ordinary share ADS deposit agreement, we and the depositary agree to indemnify each other under certain circumstances.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Requirements for Depositary Actions</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Before the depositary will deliver or register a transfer of an ordinary share ADS, make a distribution on an ordinary share ADS, or permit withdrawal of shares, the depositary may require:</p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">payment of stock transfer or other taxes or other governmental charges and transfer or registration fees charged by third parties for the transfer of any shares or other deposited securities;</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">satisfactory proof of the identity and genuineness of any signature or other information it deems necessary; and</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">compliance with regulations it may establish, from time to time, consistent with the ordinary share ADS deposit agreement, including presentation of transfer documents.</font></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The depositary may refuse to deliver ordinary share ADSs or register transfers of ordinary share ADSs generally when the transfer books of the depositary or our transfer books are closed or at any time if the depositary or we think it advisable to do so.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Your Right to Receive the Shares Underlying your Ordinary Share ADRs</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">You have the right to cancel your ordinary share ADSs and withdraw the underlying shares at any time except:</p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">When temporary delays arise because: (i) the depositary has closed its transfer books or we have closed our transfer books; (ii) the transfer of shares is blocked to permit voting at a shareholders&#8217; meeting; or (iii) we are paying a dividend on our shares.</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">When you owe money to pay fees, taxes and similar charges.</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">When it is necessary to prohibit withdrawals in order to comply with any laws or governmental regulations that apply to ordinary share ADSs or to the withdrawal of shares or other deposited securities.</font></td></tr></table><div style="margin-top:10pt;"></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">This right of withdrawal may not be limited by any other provision of the ordinary share ADS deposit agreement.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">12</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Direct Registration System</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In the ordinary share ADS deposit agreement, all parties to the ordinary share ADS deposit agreement acknowledge that the DRS and Profile Modification System, or Profile, will apply to ordinary share ADSs upon acceptance thereof to DRS by the DTC. DRS is the system administered by DTC that facilitates interchange between registered holding of uncertificated securities and holding of security entitlements in those securities through DTC and a DTC participant. Profile is a required feature of DRS which allows a DTC participant, claiming to act on behalf of an ordinary share ADS holder, to direct the depositary to register a transfer of those ordinary share ADSs to DTC or its nominee and to deliver those ordinary share ADSs to the DTC account of that DTC participant without receipt by the depositary of prior authorization from the ordinary share ADS holder to register such transfer.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In connection with and in accordance with the arrangements and procedures relating to DRS/Profile, the parties to the ordinary share ADS deposit agreement understand that the depositary will not verify, determine or otherwise ascertain that the DTC participant which is claiming to be acting on behalf of an ordinary share ADS holder in requesting registration of transfer and delivery described in the paragraph above has the actual authority to act on behalf of the ordinary share ADS holder (notwithstanding any requirements under the Uniform Commercial Code). In the ordinary share ADS deposit agreement, the parties agree that the depositary&#8217;s reliance on and compliance with instructions received by the depositary through the DRS/Profile System and in accordance with the ordinary share ADS deposit agreement, shall not constitute negligence or bad faith on the part of the depositary.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">13</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">DEBT SECURITIES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Each series of notes listed on the New York Stock Exchange and set forth on the cover page to NatWest Group&#8217;s annual report on Form 20-F for the fiscal year ended December 31, 2021 has been issued by NatWest Group or by NatWest Markets plc (&#8220;NWM&#8221;) (formerly known as Royal Bank of Scotland plc) and guaranteed by NatWest Group. Each of these series of notes and related guarantees, as applicable, was issued pursuant to an effective registration statement and a related prospectus and prospectus supplement (if applicable) setting forth the terms of the relevant series of notes and related guarantees, as applicable.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The following table sets forth the dates of the registration statements, dates of the base prospectuses and dates of issuance for each relevant series of notes (the &#8220;Notes&#8221;).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;width:100%;" align="center"><tr style="height:1pt;"><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:31.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 0pt 2pt;"><b style="font-weight:bold;">Series</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Issuer</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Registration<br>Statement</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Date&#160;of&#160;Base&#160;Prospectus</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Date&#160;of&#160;Issuance</b></p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;border-bottom:1px solid transparent;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">&#160;</b></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 2pt;">Dollar Perpetual Regulatory Tier 1 Securities</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-11104</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">June 5, 2001</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">August 13, 2001</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 2pt;">6.125% Subordinated Tier 2 Notes due 2022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-184147</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">September 28, 2012</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 4, 2012</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 2pt;">6.000% Subordinated Tier 2 Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-184147</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">September 28, 2012</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 19, 2013</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">6.100% Subordinated Tier 2 Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-184147</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">September 28, 2012</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">June 10, 2013</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Fixed-to-Fixed Reset Rates Subordinated Tier 2 Notes due 2029</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">November 1, 2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Fixed-to-Fixed Reset Rates Subordinated Tier 2 Notes due 2035</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">August 25, 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">3.875% Senior Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-203157</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">March 31, 2015</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">September 12, 2016</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt 0pt 0pt 2pt;">3.498% Fixed Rate / Floating Rate Senior Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-203157</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">March 31, 2015</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">May 15, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">2.359% Senior Callable Fixed-to-Fixed Reset Rate Green Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">May 19, 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.519% Fixed Rate / Floating Rate Senior Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">June 25, 2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.269% Fixed Rate / Floating Rate Senior Notes due 2025</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">March 22, 2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">3.073% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2028</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">May 19, 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">5.076% Fixed Rate / Floating Rate Senior Notes due 2030</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">September 27, 2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.445% Fixed Rate / Floating Rate Senior Notes due 2030</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">May 8, 2019</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Senior Floating Rate Notes due 2023</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-203157</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">March 31, 2015</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">May 15, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">Senior Floating Rate Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">June 25, 2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">5.125% Subordinated Tier 2 Notes due 2024</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-184147</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">September 28, 2012</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">May 28, 2014</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">4.892% Fixed Rate / Floating Rate Senior Notes due 2029</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-222022</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 13, 2017</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">May 18, 2018</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:31.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:7.2pt;text-indent:-7.2pt;margin:0pt;">1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2027</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:9.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">NWG</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.94%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">333-251220</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:19.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">December 9, 2020</p></td><td style="vertical-align:bottom;white-space:nowrap;width:1.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:14.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;">June 9, 2021</p></td><td style="vertical-align:bottom;white-space:nowrap;width:0.46%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr></table></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">14</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The following descriptions of our Notes are summaries and do not purport to be complete and are qualified in their entirety by the full terms of the Notes and the relevant indentures related thereto, which are available at www.sec.gov. The description sets out the general terms of the Notes contained in the base prospectus under which the Notes were issued, followed by a description for each series of Notes of the particular terms applicable to such series contained in the applicable prospectus supplement. To the extent language in the applicable prospectus supplement modifies the language in the applicable base prospectus or there is any inconsistency between the information in such base prospectus and the applicable prospectus supplement, then the term of that prospectus supplement governs. In this description, references to the &#8220;accompanying prospectus&#8221; refer to the relevant base prospectus for the Notes and references to the &#8220;accompanying prospectus supplement&#8221; refer to the relevant prospectus supplement for the Notes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">BASE PROSPECTUSES</b></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">A.</b></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">Base Prospectus dated June 5, 2001</b></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 33-42 of Exhibit 2.5 of the 2019 Annual Report, available at</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">B.</b></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">Base Prospectus dated September 28, 2012</b></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 51-62 of Exhibit 2.5 of the 2019 Annual Report, available at<br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">C.</b></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">Base Prospectus dated March 31, 2015</b></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 63-77 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">D.</b></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">Base Prospectus dated December 13, 2017</b></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm. </p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">E.</b></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">Base Prospectus dated December 9, 2020</b></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">DESCRIPTION OF DEBT SECURITIES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><i style="font-style:italic;">The following is a summary of the general terms that will apply to any senior debt securities and subordinated debt securities that may be offered by NatWest Group plc. Consequently, when we refer to &#8220;debt securities&#8221; in this prospectus, we mean the senior debt securities and the subordinated debt securities that may be issued by NatWest Group plc. The term &#8220;debt securities&#8221; does not include the &#8220;contingent convertible securities&#8221; described under &#8220;Description of Contingent Convertible Securities&#8221;.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><i style="font-style:italic;">Each time that we issue debt securities, we will file a prospectus supplement with the SEC, which you should read carefully. The prospectus supplement will summarize specific terms of your security and may contain additional terms of those debt securities to those described in this prospectus or terms that differ from those described in this prospectus. The terms presented here, together with the terms contained in the prospectus</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">15</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><i style="font-style:italic;">supplement, will be a description of the material terms of the debt securities, but if there is any inconsistency between the terms presented here and those in the prospectus supplement, those in the prospectus supplement will apply and will replace those presented here. Therefore, the statements we make below in this section may not apply to your debt security. You should also read the indentures under which we will issue the debt securities, which we have filed with the SEC as exhibits to the registration statement of which this prospectus is a part.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><i style="font-style:italic;">Senior debt securities will be issued by NatWest Group plc under the senior debt indenture as supplemented by supplemental indentures as required. Subordinated debt securities will be issued by NatWest Group plc under the subordinated debt indenture as supplemented by supplemental indentures as required.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><i style="font-style:italic;">Each indenture is a contract between us and The Bank of New York Mellon, as trustee. The indentures are substantially identical, except for certain provisions such as those relating to subordination, which are included only in the subordinated debt indenture and may be included in any supplements thereto. None of the indentures limit our ability to incur additional indebtedness, including additional senior indebtedness.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">General</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The debt securities are not deposits and are not insured or guaranteed by the U.S. Federal Deposit Insurance Corporation or any other government agency of the United States or the United Kingdom.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">whether they are senior debt securities or subordinated debt securities;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">with respect to the subordinated debt securities, whether the payment of interest can be deferred, whether the payment of principal can be deferred, the subordination terms, the redemption terms and the events of default applicable to each series of the subordinated debt securities;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">their specific designation, authorized denomination and aggregate principal amount;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the price or prices at which they will be issued;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">whether such debt securities will be dated debt securities with a specified maturity date or undated debt securities with no specified maturity date;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the annual interest rate or rates, or how to calculate the interest rate or rates;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the date or dates from which interest, if any, will accrue or the method, if any, by which such date or dates will be determined;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the times and places at which any interest payments are payable;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the terms of any mandatory or optional redemption, including the amount of any premium;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">any modifications or additions to the events of default with respect to the debt securities offered;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">any provisions relating to conversion or exchange for other securities issued by us;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the currency or currencies in which they are denominated and in which we will make any payments;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">any index used to determine the amount of any payments on the debt securities;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="width:36pt;"></td><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">any restrictions that apply to the offer, sale and delivery of the debt securities and the exchange of debt securities of one form for debt securities of another form;</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">16</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:38.5pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">whether and under what circumstances, if other than those described in this prospectus, we will pay additional amounts on the debt securities following certain developments with respect to withholding tax or information reporting laws and whether, and on what terms, if other than those described in this prospectus, we may redeem the debt securities following those developments;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:38.5pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">the terms of any mandatory or optional exchange; and</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 56.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:38.5pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">any listing on a securities exchange.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">In addition, the prospectus supplement will describe the material U.S. federal and U.K. tax considerations that apply to any particular series of debt securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Debt securities may bear interest at a fixed rate, a floating rate or a combination thereof. We will sell any subordinated debt securities that bear no interest, or that bear interest at a rate that at the time of issuance is below the prevailing market rate, at a discount to their stated principal amount.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Holders of debt securities shall have no voting rights except those described under the heading &#8220; &#8211;Modification and Waiver&#8221; below.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><i style="font-style:italic;">If we issue senior debt securities designed to count towards the EU minimum requirements for own funds and eligible liabilities framework, the terms (including the events of default and redemption options) of those securities may differ from those described in this prospectus and will be set out in the relevant prospectus supplement.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><i style="font-style:italic;">If we issue subordinated debt securities that qualify as Tier 2 capital or other capital for regulatory purposes, the payment, subordination, redemption, events of default and other terms may vary from those described in this prospectus and will be set forth in the relevant prospectus supplement.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Payments</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">We will make any payments of interest and principal, on any particular series of debt securities on the dates and, in the case of payments of interest, at the rate or rates, that we set out in, or that are determined by the method of calculation described in, the relevant prospectus supplement.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Subordinated Debt Securities</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, if we do not make a payment on a series of subordinated debt securities on any payment date, our obligation to make such payment shall be deferred and such failure to make a payment does not create a default under the applicable subordinated debt indenture. The relevant prospectus supplement will set forth the terms on which the payment of interest and principal on the subordinated debt securities can be deferred and any other terms relating to payments on subordinated debt securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="display:inline-block;visibility:hidden;width:0pt;">&#8203;</font><br><b style="font-weight:bold;">Subordination</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Senior Debt Securities</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, senior debt securities constitute our direct, unconditional, unsecured and unsubordinated obligations ranking pari passu, without any preference among themselves, with all of our other outstanding unsecured and unsubordinated obligations, present and future, except such obligations as are preferred by operation of law.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Subordinated Debt Securities</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">If we issue subordinated debt securities, the applicable prospectus supplement relating to the subordinated debt securities will include a description of the subordination provisions that apply to the subordinated debt securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">17</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, in a winding-up or qualifying administration, all payments on any series of subordinated debt securities will be subordinate to, and subject in right of payment to the prior payment in full of, all claims of all of our creditors other than claims in respect of any liability that is, or is expressed to be, subordinated, whether only in the event of a winding-up, qualifying administration or otherwise, to the claims of all or any of our creditors, in the manner provided in the applicable subordinated debt indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">General</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">As a consequence of these subordination provisions, if winding-up proceedings or a qualifying administration should occur, each holder of subordinated debt securities may recover less ratably than the holders of our unsubordinated liabilities (including holders of senior debt securities). If, in any winding-up or qualifying administration, the amount payable on any series of debt securities and any claims ranking equally with that series are not paid in full, those debt securities and other claims ranking equally will share ratably in any distribution of our assets in a winding-up or a qualifying administration in proportion to the respective amounts to which they are entitled. If any holder is entitled to any recovery with respect to the debt securities in any winding-up, liquidation or qualifying administration, the holder might not be entitled in those proceedings to a recovery in U.S. dollars and might be entitled only to a recovery in pounds sterling or any other lawful currency of the United Kingdom.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">In addition, because NatWest Group plc is a holding company, its rights to participate in the assets of any subsidiary as a shareholder if such subsidiary is liquidated will be subject to the prior claims of such subsidiary&#8217;s creditors.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Additional Amounts</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">All amounts to be paid by us on any series of debt securities will be paid without deduction or withholding for, or on account of, any and all present and future income, stamp and other taxes, levies, imposts, duties, charges, fees, deductions or withholdings now or hereafter imposed, levied, collected, withheld or assessed by or on behalf of the United Kingdom or any political subdivision or any authority thereof or therein having the power to tax (the &#8220;U.K. Taxing Jurisdiction&#8221;), unless such deduction or withholding is required by law.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless otherwise specified in the relevant prospectus supplement, if deduction or withholding of any such taxes, levies, imposts, duties, charges, fees, deductions or withholdings shall at any time be required by the U.K. Taxing Jurisdiction, we will pay such additional amounts with respect to the principal of, premium, if any, and interest, if any, on any series of debt securities (&#8220;Additional Amounts&#8221;) as may be necessary in order that the net amounts paid to the holders of the debt securities of the particular series, after such deduction or withholding, shall equal the amounts of such payments which would have been payable in respect of such debt securities had no such deduction or withholding been required; provided, however, that the foregoing will not apply to any such tax, levy, impost, duty, charge, fee, deduction or withholding that would not have been payable or due but for the fact that:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">(i) the holder or the beneficial owner of the debt security is a domiciliary, national or resident of, or engaging in business or maintaining a permanent establishment or physically present in, the U.K. Taxing Jurisdiction or otherwise has some connection with the U.K. Taxing Jurisdiction other than the mere holding or ownership of a debt security, or the collection of the payment on any debt security of the relevant series,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">(ii) except in the case of a winding-up of us in the United Kingdom, the relevant debt security is presented (where presentation is required) for payment in the United Kingdom,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">(iii) the relevant debt security is presented (where presentation is required) for payment more than 30 days after the date payment became due or was provided for, whichever is later, except to the extent that the holder would have been entitled to such Additional Amount on presenting (where presentation is required) the debt security for payment at the close of such 30 day period,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">18</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">(iv) the holder or the beneficial owner of the relevant debt security or the payment on such debt security failed to comply with a request by us or our liquidator or other authorized person addressed to the holder (x) to provide information concerning the nationality, residence or identity of the holder or such beneficial owner or (y) to make any declaration or other similar claim to satisfy any requirement, which in the case of (x) or (y), is required or imposed by a statute, treaty, regulation or administrative practice of the U.K. Taxing Jurisdiction as a precondition to exemption or relief from all or part of such deduction or withholding,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">(v) the withholding or deduction is required to be made pursuant to Sections 1471 through 1474 of the U.S. Internal Revenue Code of 1986, as amended, any agreement with the U.S. Treasury entered into with respect thereto, any U.S. Treasury regulation issued thereunder or any other official interpretations or guidance issued with respect thereto; any intergovernmental agreement entered into with respect thereto, or any law, regulation, or other official interpretation or guidance promulgated pursuant to such an intergovernmental agreement, or</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">(vi) any combination of subclauses (i) through (v) above,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">nor shall Additional Amounts be paid with respect to a payment on the debt security to any holder who is a fiduciary or partnership or person other than the sole beneficial owner of such payment to the extent such payment would be required by the laws of the U.K. Taxing Jurisdiction to be included in the income for tax purposes of a beneficiary or settlor with respect to such fiduciary or a member of such partnership or a beneficial owner who would not have been entitled to such Additional Amounts, had it been the holder.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">As used in this &#8220;Additional Amounts&#8221; section, the term &#8220;payment&#8221; means, in the context of senior debt securities and subordinated debt securities, payments of principal of, premium, if any, and interest, if any, on such securities. Whenever in this prospectus or any prospectus supplement there is mentioned, in the context of senior debt securities or subordinated debt securities, the payment of the principal, premium, if any, or interest, if any, on, or in respect of, any such security of any series, such mention shall be deemed to include mention of the payment of Additional Amounts provided for in this &#8220;Additional Amounts&#8221; section to the extent that, in such context, Additional Amounts are, were or would be payable in respect thereof pursuant to the provisions of this section and as if express mention of the payment of Additional Amounts (if applicable) were made in any provisions hereof where such express mention is not made.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Redemption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, we will have the option to redeem the debt securities of any series as a whole upon (i) not less than five business days, and not more than 60 calendar days&#8217; notice in respect of the senior debt securities, or (ii) not less than 30 days, and not more than 60 days&#8217; notice in respect of our subordinated debt securities, to each holder of debt securities, on any payment date, at a redemption price equal to 100% of their principal amount together with any accrued but unpaid payments of interest, if any (including any deferred amounts in the case of subordinated debt securities), to the redemption date, or, in the case of discount securities, their accreted face amount, together with any accrued interest, if, at any time, we determine that as a result of a change in or amendment to the laws or regulations of a U.K. Taxing Jurisdiction, including any treaty to which it is a party, or a change in an official application or interpretation of those laws or regulations, including a decision of any court or tribunal, which becomes effective on or after the date specified in the terms of the debt securities:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">in making any payments on the particular series of debt securities, we have paid or will or would on the next payment date be required to pay Additional Amounts;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">payments on the next payment date in respect of any of the series of debt securities would be treated as &#8220;distributions&#8221; within the meaning of Section 1000 of the Corporation Tax Act 2010 of the United Kingdom (or any statutory modification or re-enactment thereof for the time being); or</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">on the next payment date we would not be entitled to claim a deduction in respect of the payments in computing our U.K. taxation liabilities, or the value of the deduction to us would be materially reduced.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">19</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">&#160;In each case we shall be required, before we give a notice of redemption, to deliver to the trustee a written legal opinion of independent English counsel of recognized standing, selected by us, in a form satisfactory to the trustee confirming that we are entitled to exercise our right of redemption.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The relevant prospectus supplement will specify whether or not we may redeem the debt securities of any series, in whole or in part, at our option, including any conditions to our right to exercise such option, in any other circumstances and, if so, the prices and any premium at which and the dates on which we may do so. Any notice of redemption of debt securities of any series will state, among other items:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">the redemption date;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">the amount of debt securities to be redeemed if less than all of the series is to be redeemed;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">the redemption price;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">that, and subject to what conditions, the redemption price will become due and payable on the redemption date and that payments will cease to accrue on such date;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">the place or places at which each holder may obtain payment of the redemption price; and</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">the CUSIP, Common Code and/or ISIN number or numbers, if any, with respect to debt securities.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">In the case of a partial redemption, the trustee shall select the debt securities to be redeemed in any manner which it deems fair and appropriate.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">We or any of our subsidiaries may at any time and from time to time purchase debt securities of any series in the open market or by tender or by private agreement, if applicable law allows and if, in the case of the subordinated debt securities, certain other conditions which may be specified in the applicable prospectus supplement are satisfied. Any debt securities of any series that we purchase beneficially for our own account, other than in connection with dealing in securities, will be treated as cancelled and will no longer be issued and outstanding.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Under existing U.K. Prudential Regulatory Authority (&#8220;PRA&#8221;) requirements, we may not make any redemption or repurchase of certain debt securities beneficially for our own account unless, among other things, we give prior notice to the PRA and, in certain circumstances, it grants permission. The PRA may impose conditions on any redemption or repurchase all of which will be set out in the prospectus supplement and supplemental indenture with respect to any series of debt securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Modification and Waiver</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">We and the trustee may make certain modifications and amendments of the applicable indenture with respect to any series of debt securities without the consent of the holders of the debt securities. We may make other modifications and amendments with the consent of the holder or holders of not less than a majority in aggregate outstanding principal amount of the debt securities of the series outstanding under the indenture that are affected by the modification or amendment, voting as one class. However, we may not make any modification or amendment without the consent of the holder of each debt security affected that would:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">change the stated maturity of the principal amount of any debt security;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">reduce the principal amount of, the interest rates of, or any premium payable upon the redemption of, any debt security;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">change our (or any successor&#8217;s) obligation to pay Additional Amounts;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">20</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">change the currency of payment;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">impair the right to institute suit for the enforcement of any payment due and payable;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">reduce the percentage in aggregate principal amount of outstanding debt securities of the series necessary to modify or amend the indenture or to waive compliance with certain provisions of the relevant indenture and any Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default (as such terms are defined below and described in the relevant prospectus supplement);</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">modify the subordination provisions or the terms of our obligations in respect of the due and punctual payment of the amounts due and payable on the debt securities in a manner adverse to the holders; or</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">modify the above requirements.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">In addition, variations in the terms and conditions of debt securities of any series, including modifications relating to subordination, redemption, a Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default (as those terms are defined under the heading &#8220;Event of Default and Defaults; Limitations of Remedies&#8221; below), as described in the relevant prospectus supplement, may require the non-objection from, or consent of, the PRA or its successor.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Events of Default and Defaults; Limitation of Remedies</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Senior Debt Security Event of Default</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, a &#8220;Senior Debt Security Event of Default&#8221; with respect to any series of senior debt securities shall result if:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">we do not pay any principal or interest on any senior debt securities of that series within 14 days from the due date for payment and the principal or interest has not been duly paid within a further 14 days following written notice from the trustee or from holders of 25% in outstanding principal amount of the senior debt securities of that series to us requiring the payment to be made. It shall not, however, be a Senior Debt Security Event of Default if during the 14 days after the notice, we satisfy the trustee that such sums were not paid in order to comply with a law, regulation or order of any court of competent jurisdiction. Where there is doubt as to the validity or applicability of any such law, regulation or order, it shall not be a Senior Debt Security Event of Default if we act on the advice given to us during the 14 day period by independent legal advisers approved by the trustee; or</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">we breach any covenant or warranty of the senior debt indenture (other than as stated above with respect to payments when due) and that breach has not been remedied within 60 days of receipt of a written notice from the trustee certifying that in its opinion the breach is materially prejudicial to the interests of the holders of the senior debt securities of that series and requiring the breach to be remedied or from holders of at least 25% in outstanding principal amount of the senior debt securities of that series requiring the breach to be remedied; or</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 54pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">either a court of competent jurisdiction issues an order which is not successfully appealed within 30 days, or an effective shareholders&#8217; resolution is validly adopted, for our winding-up (other than under or in connection with a scheme of reconstruction, merger or amalgamation not involving bankruptcy or insolvency).</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">If a Senior Debt Security Event of Default occurs and is continuing, the trustee or the holders of at least 25% in outstanding principal amount of the senior debt securities of that series may at their discretion declare the senior debt securities of that series to be due and repayable immediately (and the senior debt securities of that series shall thereby become due and repayable) at their outstanding principal amount (or at such other repayment amount as may</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">21</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">be specified in or determined in accordance with the relevant prospectus supplement) together with accrued interest, if any, as provided in the prospectus supplement. The trustee may at its discretion and without further notice institute such proceedings as it may think suitable, against us to enforce payment. Subject to the indenture provisions for the indemnification of the trustee and the securities administrator, as the case may be, the holder(s) of a majority in aggregate principal amount of the outstanding senior debt securities of any series shall have the right to direct the time, method and place of conducting any proceeding in the name or and on the behalf of the trustee for any remedy available to the trustee or exercising any trust or power conferred on the trustee with respect to the series. However, this direction must not be in conflict with any rule of law or the senior debt indenture, and must not be unjustly prejudicial to the holder(s) of any senior debt securities of that series not taking part in the direction, and determined by the trustee. The trustee may also take any other action consistent with the direction that it deems proper.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Notwithstanding any contrary provisions, nothing shall impair the right of a holder, absent the holder&#8217;s consent, to sue for any payments due but unpaid with respect to the senior debt securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, by accepting a senior debt security, each holder will be deemed to have waived any right of set-off, counterclaim or combination of accounts with respect to the senior debt securities or the applicable indenture that they might otherwise have against us, whether before or during our winding-up.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Subordinated Debt Securities Event of Default</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, a &#8220;Subordinated Debt Security Event of Default&#8221; with respect to any series of subordinated debt securities shall result if either a court of competent jurisdiction issues an order which is not successfully appealed within 30 days, or an effective shareholders&#8217; resolution is validly adopted, for our winding-up (other than under or in connection with a scheme of amalgamation or reconstruction not involving our bankruptcy or insolvency).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">If a Subordinated Debt Security Event of Default occurs and is continuing, the trustee or the holders of at least 25% in aggregate principal amount of the outstanding subordinated debt securities of each series may declare to be due and payable immediately in accordance with the terms of the applicable indenture the principal amount of, and any accrued but unpaid payments (or, in the case of discount securities, the accreted face amount, together with any accrued interest), including any deferred interest. However, after this declaration but before the trustee obtains a judgment or decree for payment of money due, the holder or holders of a majority in aggregate principal amount of the outstanding subordinated debt securities of the series may rescind the declaration of accelerations and its consequences, but only if all Subordinated Debt Security Events of Default have been remedied or waived and all payments due, other than those due as a result of acceleration, have been made.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Subordinated Debt Securities Defaults</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">In addition to Subordinated Debt Security Events of Default, the subordinated debt indenture also separately provides for &#8220;Subordinated Debt Security Defaults&#8221;. The relevant prospectus supplement with respect to any series of subordinated debt securities shall set out what events, if any, shall be considered Subordinated Debt Security Defaults. The indenture permits the issuance of subordinated debt securities in one or more series and whether a Subordinated Debt Security Default has occurred is determined on a series-by-series basis.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, if a Subordinated Debt Security Default occurs and is continuing, the trustee may commence a proceeding in Scotland (but not elsewhere) for our winding-up, but the trustee may not declare the principal amount of any outstanding subordinated debt security due and payable. The relevant prospectus supplement will set forth further actions provided in the subordinated debt securities indenture relating to the rights of holders in connection with the occurrence of a Subordinated Debt Security Default, if any, that may be taken by the trustee upon the occurrence of a Subordinated Debt Security Default.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Unless the relevant prospectus supplement provides otherwise, by accepting a subordinated debt security each holder and the trustee will be deemed to have waived any right of set-off, counterclaim or combination of accounts</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">22</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">with respect to the subordinated debt securities or the indenture (or between our obligations under or in respect of any subordinated debt security and any liability owed by a holder or the trustee to us) that they might otherwise have against us, whether before or during our winding-up.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Events of Default and Defaults - General</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 9.35pt;"><font style="font-style:italic;font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The holder or holders of not less than a majority in aggregate principal amount of the outstanding debt securities of any series may waive any past Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default with respect to the series, except a Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default, in respect of the payment of interest, if any, or principal of (or premium, if any) or payments on any debt security or a covenant or provision of the applicable indenture which cannot be modified or amended without the consent of each holder of debt securities of such series.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Subject to exceptions, the trustee may, without the consent of the holders, waive or authorize a Senior Debt Security Event of Default if, in the opinion of the trustee, the Senior Debt Security Event of Default would not be materially prejudicial to the interests of the holders.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Subject to the provisions of the applicable indenture relating to the duties of the trustee, if a Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default occurs and is continuing with respect to the debt securities of any series, the trustee will be under no obligation to any holder or holders of the debt securities of the series, unless they have offered reasonable indemnity to the trustee. Subject to the indenture provisions for the indemnification of the trustee, the holder or holders of a majority in aggregate principal amount of the outstanding debt securities of any series shall have the right to direct the time, method and place of conducting any proceeding for any remedy available to the trustee or exercising any trust or power conferred on the trustee with respect to the series, if the direction is not in conflict with any rule of law or with the applicable indenture and the trustee does not determine that the action would be unjustly prejudicial to the holder or holders of any debt securities of any series not taking part in that direction. The trustee may take any other action that it deems proper which is not inconsistent with that direction.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The indentures provide that the trustee will, within 90 days after the occurrence of a Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default with respect to the debt securities of any series, give to each holder of the debt securities of the affected series notice of the Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default known to it, unless the Senior Debt Security Event of Default, Subordinated Debt Security Event of Default or Subordinated Debt Security Default has been cured or waived. However, the trustee shall be protected in withholding notice if it determines in good faith that withholding notice is in the interest of the holders.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">We are required to furnish to the trustee annually a statement as to our compliance with all conditions and covenants under the indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Consolidation, Merger and Sale of Assets; Assumption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">We may, without the consent of the holders of any of the debt securities, consolidate with, merge into or transfer or lease our assets substantially as an entirety to any person, provided that any successor corporation formed by any consolidation or amalgamation, or any transferee or lessee of our assets, is a company organized under the laws of any part of the United Kingdom that assumes, by a supplemental indenture, our obligations on the debt securities and under the applicable indenture, and we procure the delivery of a customary officer&#8217;s certificate and legal opinion providing that the conditions precedent to the transaction have been complied with.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Subject to applicable law and regulation, any of our wholly-owned subsidiaries may assume our obligations under the debt securities of any series without the consent of any holder, provided that certain conditions are satisfied, including that under certain indentures we unconditionally guarantee the obligations of the subsidiary under the debt securities of that series. If we do and the other relevant conditions for such assumption are satisfied,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">23</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">all of our direct obligations under the debt securities of the series and the applicable indenture shall immediately be discharged. Any Additional Amounts under the debt securities of the series will be payable in respect of taxes imposed by the jurisdiction in which the assuming subsidiary is incorporated, subject to exceptions equivalent to those that apply to any obligation to pay Additional Amounts in respect of taxes imposed by the U.K. Taxing Jurisdiction, rather than taxes imposed by the U.K. Taxing Jurisdiction. The subsidiary that assumes our obligations will also be entitled to redeem the debt securities of the relevant series in the circumstances described in &#8220;&#8211;Redemption&#8221; above with respect to any change or amendment to, or change in the application or official interpretation of, the laws or regulations (including any treaty) of the assuming subsidiary&#8217;s jurisdiction of incorporation which occurs after the date of the assumption.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><i style="font-style:italic;">An assumption of our obligations under the debt securities of any series might be deemed for U.S. federal income tax purposes to be an exchange of those debt securities for new debt securities by each beneficial owner, resulting in a recognition of taxable gain or loss for U.S. federal income tax purposes and possibly certain other adverse tax consequences. You should consult your tax advisor regarding the U.S. federal, state and local income tax consequences of an assumption.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Governing Law</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The debt securities and the indentures will be governed by and construed in accordance with the laws of the State of New York, except that, as the indentures specify, the subordination provisions and the waiver of the right to set-off by the holders and by the Trustee acting on behalf of the holders of each series of subordinated debt securities will be governed by and construed in accordance with the laws of Scotland.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Notices</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">All notices to holders of registered debt securities shall be validly given if in writing and mailed, first-class postage prepaid, to them at their respective addresses in the register maintained by the trustee.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Until such time as any definitive securities are issued, there may, so long as any global securities in registered form representing the debt securities are held in their entirety on behalf of DTC, be substituted for such notice by first-class mail the delivery of the relevant notice to DTC for communication by them to the holders of the debt securities, in accordance with DTC&#8217;s applicable procedures. Neither the failure to give any notice to a particular holder, nor any defect in a notice given to a particular holder, will affect the sufficiency of any notice given to another holder.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Notices to be given by any holders of the debt securities to the trustee shall be in writing to the trustee at its corporate trust office. While any of the debt securities are represented by a global securities in registered form, such notice may be given by any holder to the trustee through DTC in such manner as DTC may approve for this purpose.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">The Trustees and Securities Administrator</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">The Bank of New York Mellon, acting through its London Branch, One Canada Square, London E14 5AL, is the trustee under the indentures with respect to the debt securities. The trustee shall have and be subject to all the duties and responsibilities specified with respect to an indenture trustee under the Trust Indenture Act of 1939 (the &#8220;TIA&#8221;). Subject to the provisions of the TIA, the trustees are under no obligation to exercise any of the powers vested in them by the indentures at the request of any holder of notes, unless offered reasonable indemnity by the holder against the costs, expense and liabilities which might be incurred thereby. We and certain of our subsidiaries maintain deposit accounts and conduct other banking transactions with The Bank of New York Mellon in the ordinary course of our business. The Bank of New York Mellon is also the book-entry depositary and paying agent with respect to our debt securities. The Bank of New York Mellon is the depositary with respect to the ADSs representing certain of our preference shares.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">24</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Consent to Service of Process</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">We irrevocably designate CT Corporation System as our authorized agent for service of process in any legal action or proceeding arising out of or relating to the indentures or any debt securities brought in any federal or state court in The City of New York, New York and we irrevocably submit to the jurisdiction of those courts.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">DESCRIPTION OF CONTINGENT CONVERTIBLE SECURITIES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><i style="font-style:italic;">The following is a summary of the general terms that will apply to any contingent convertible securities that may be offered by us.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><i style="font-style:italic;">Each time that we issue contingent convertible securities, we will file a prospectus supplement with the SEC, which you should read carefully. The prospectus supplement will summarize specific terms of your security and may contain additional terms of those contingent convertible securities to those described in this prospectus or terms that differ from those described in this prospectus. The terms presented here, together with the terms contained in the prospectus supplement, will be a description of the material terms of the contingent convertible securities, but if there is any inconsistency between the terms presented here and those in the prospectus supplement, those in the prospectus supplement will apply and will replace those presented here. Therefore, the statements we make below in this section may not apply to your contingent convertible security. Contingent convertible securities will be issued by us under an indenture. The indenture is a contract between us and The Bank of New York Mellon, as trustee. The indenture does not limit our ability to incur additional indebtedness, including the issuance of further contingent convertible securities. You should also read the indenture and any related supplemental indenture establishing such contingent convertible securities, which we have filed with the SEC as an exhibit to the registration statement of which this prospectus is a part.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">General</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Contingent convertible securities means our subordinated convertible debt securities mandatorily convertible into our ordinary shares on the occurrence of certain events. The contingent convertible securities are not deposits and are not insured or guaranteed by the U.S. Federal Deposit Insurance Corporation or any other government agency of the United States or the United Kingdom.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We may issue contingent convertible securities in one or more series. The relevant prospectus supplement for any particular series of contingent convertible securities will describe the terms of the offered contingent convertible securities, including some or all of the following terms:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the specific designation, authorized denomination and aggregate principal amount of the contingent convertible securities;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">whether such contingent convertible securities will be dated contingent convertible securities with a specified maturity date or undated contingent convertible securities with no specified maturity date;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the annual interest rate or rates, or how to calculate the interest rate or rates;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the date or dates from which interest, if any, will accrue or the method, if any, by which such date or dates will be determined;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">whether the payment of interest can be deferred or cancelled, whether the payment of principal can be deferred and the subordination terms;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the price or prices at which they will be issued;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">25</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the terms on which the contingent convertible securities may or are required to convert into ordinary shares of NatWest Group plc and any specific terms relating to the conversion or exchange feature, including upon the occurrence of certain events relating to our financial condition;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">whether payments are subject to certain conditions that relate to our financial condition, including our capital ratios;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the times and places at which any interest payments are payable;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the terms and conditions of any mandatory or optional redemption, including the amount of any premium;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">any modifications or additions to the events of default with respect to the contingent convertible securities offered;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the terms and conditions, if any, under which we may elect to substitute or vary the terms of the contingent convertible securities;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">the currency or currencies in which they are denominated and in which we will make any payments;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">any index used to determine the amount of any payments on the contingent convertible securities;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">any restrictions that apply to the offer, sale and delivery of the contingent convertible securities;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">whether and under what circumstances, if other than those described in this prospectus, we will pay additional amounts on the contingent convertible securities following certain developments with respect to withholding tax or information reporting laws and whether, and on what terms, if other than those described in this prospectus, we may redeem the contingent convertible securities following those developments; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">any listing on a securities exchange.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In addition, the prospectus supplement will describe the material U.S. federal and U.K. tax considerations that apply to any particular series of contingent convertible securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Contingent convertible securities may bear interest at a fixed rate, a floating rate or a combination thereof. We may sell any contingent convertible securities that bear no interest, or that bear interest at a rate that at the time of issuance is below the prevailing market rate, at a discount to their stated principal amount.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Holders of contingent convertible securities shall have no voting rights except those described under the heading &#8220;&#8211;Modification and Waiver&#8221; below, unless and until such contingent convertible securities are converted into our ordinary shares, in which case holders will have the voting rights described under &#8220;Description of Ordinary Shares&#8211;Share Capital&#8211;Voting Rights&#8221;.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><i style="font-style:italic;">If we issue subordinated contingent convertible securities that qualify as Additional Tier 1 or Tier 2 capital or other capital for regulatory purposes, the payment, subordination, redemption, events of default and other terms may vary from those described in this prospectus and will be set forth in the relevant prospectus supplement.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Payments</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We will make any payments of interest and principal, on any particular series of contingent convertible securities on the dates and, in the case of payments of interest, at the rate or rates, that we set out in, or that are determined by the method of calculation described in, the relevant prospectus supplement. The relevant prospectus supplement may provide that we are not obligated to make payments of principal or interest on any scheduled payment date, that interest payments may be cancelled or deemed cancelled, in whole or in part, and that any such</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">26</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">cancellation or deemed cancellation will not create a default or an event of default under the contingent convertible securities indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Subordination</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Each contingent convertible security will constitute our direct, unsecured and subordinated obligations, ranking equally without any preference among themselves. The rights and claims of the holders of any series of contingent convertible securities will be subordinated as described in the relevant prospectus supplement with respect to such series. The relevant prospectus supplement will set forth the nature of the subordinated ranking of each series of contingent convertible securities relative to the debt and equity issued by us, including to what extent the contingent convertible securities may rank junior in right of payment to our other obligations or in any other manner.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Redemption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Any terms of the redemption of any series of contingent convertible securities, whether at our option or upon the occurrence of certain events (including, but not be limited to, the occurrence of certain tax or regulatory events), will be set forth in the relevant prospectus supplement.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Events of Default; Limitation of Remedies</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Events of Default</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The relevant prospectus supplement with respect to any series of contingent convertible securities shall set out what events, if any, shall be considered Events of Defaults and what remedies, if any, that may be available to holders. The indenture permits the issuance of contingent convertible securities in one or more series and whether an Event of Default, if applicable, has occurred is determined on a series-by-series basis.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">If an Event of Default provided for in a supplemental indenture for any series of contingent convertible securities, occurs and is continuing, the trustee or the holders of at least 25% in aggregate principal amount of the outstanding contingent convertible securities of each series may declare the principal amount, together with accrued interest (if any) and Additional Amounts (if any), payable on such contingent convertible securities, of all the contingent convertible securities of that series to be due and payable immediately, by a notice in writing to us, and upon such declaration such amount shall become immediately due and payable. However, after this declaration but before the trustee obtains a judgment or decree for payment of money due, the holder or holders of a majority in aggregate principal amount of the outstanding contingent convertible securities of the series may rescind the declaration of acceleration and its consequences, but only if all Events of Default have been remedied or waived and all payments due, other than those due as a result of acceleration, have been made.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Unless the relevant prospectus supplement provides otherwise, by accepting a contingent convertible security, each holder and the trustee (acting on behalf of the holders) will be deemed to have waived any right of set-off, counterclaim or combination of accounts with respect to the contingent convertible security or the indenture (or between our obligations under or in respect of any contingent convertible security and any liability owed by a holder to us) that they (or the trustee acting on their behalf) might otherwise have against us, whether before or during our winding-up.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Events of Default - General</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The holder or holders of not less than a majority in aggregate principal amount of the outstanding contingent convertible securities of any series may waive any past Event of Default with respect to the series, except an Event of Default in respect of the payment of interest, if any, or principal of (or premium, if any) or payments on any contingent convertible security or a covenant or provision of the indenture which cannot be modified or amended without the consent of the holder of each contingent convertible securities of such series.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">27</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Upon any such waiver, such Event of Default will cease to exist, and any such Event of Default with respect to any series arising therefrom will be deemed to have been cured and not to have occurred; provided that no such waiver will extend to any subsequent or other Event of Default or impair any right consequent thereon.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to the indenture provisions for the indemnification of the trustee and the provisions of any supplemental indenture establishing any series of contingent convertible securities, the holder or holders of a majority in aggregate principal amount of the outstanding contingent convertible securities of any series shall have the right to direct the time, method and place of conducting any proceeding for any remedy available to the trustee or exercising any trust or power conferred on the trustee with respect to the series, if the direction is not in conflict with any rule of law or with the indenture and the trustee does not determine that the action would be unjustly prejudicial to the holder or holders of any contingent convertible securities of any series not taking part in that direction. The trustee may take any other action that it deems proper which is not inconsistent with that direction.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The indenture provides that the trustee will, within 90 days after the occurrence of an Event of Default with respect to the contingent convertible securities of any series, give to each holder of the contingent convertible securities of the affected series notice of the Event of Default known to it, unless the Event of Default has been cured or waived. However, the trustee shall be protected in withholding notice if it determines in good faith that withholding notice is in the interest of the holders.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We are required to furnish to the trustee annually a statement as to our compliance with all conditions and covenants under the indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 9.35pt;"><font style="font-style:italic;font-weight:bold;">Additional Amounts</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Unless otherwise specified in the relevant prospectus supplement, all amounts of principal, premium, if any, and interest, if any, on any series of contingent convertible securities will be paid by us without deduction or withholding for, or on account of, any and all present and future income, stamp and other taxes, levies, imposts, duties, charges, fees, deductions or withholdings now or hereafter imposed, levied, collected, withheld or assessed by or on behalf of the United Kingdom or any political subdivision or any authority thereof or therein having the power to tax (the &#8220;U.K. Taxing Jurisdiction&#8221;), unless such deduction or withholding is required by law.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Unless otherwise specified in the relevant prospectus supplement, if deduction or withholding of any such taxes, levies, imposts, duties, charges, fees, deductions or withholdings shall at any time be required by the U.K. Taxing Jurisdiction, we will pay such additional amounts in respect of, payments of the principal amount of, premium, if any, and interest, if any, on any series of contingent convertible securities (&#8220;Additional Amounts&#8221;) as may be necessary in order that the net amounts paid to the holders of the contingent convertible securities, after such deduction or withholding, shall equal the respective amounts of principal, premium, if any, and interest, if any, which would have been payable in respect of such contingent convertible securities had no such deduction or withholding been required; provided, however, that the foregoing will not apply to any such tax, levy, impost, duty, charge, fee, deduction or withholding that would not have been payable or due but for the fact that:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;">(i) the holder or the beneficial owner of the contingent convertible security is a domiciliary, national or resident of, or engaging in business or maintaining a permanent establishment or physically present in, the U.K. Taxing Jurisdiction or otherwise has some connection with the U.K. Taxing Jurisdiction other than the mere holding or ownership of a contingent convertible security, or the collection of any payment of (or in respect of) principal of, premium, if any, or interest, if any, on any contingent convertible security of the relevant series,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;">(ii) except in the case of a winding-up of us in the United Kingdom, the relevant contingent convertible security is presented (where presentation is required) for payment in the United Kingdom,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;">(iii) the relevant contingent convertible security is presented (where presentation is required) for payment more than 30 days after the date payment became due or was provided for, whichever is later, except to the extent that the holder would have been entitled to such Additional Amount on presenting (where presentation is required) the contingent convertible security for payment at the close of such 30 day period,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">28</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;">(iv) the holder or the beneficial owner of the relevant contingent convertible security or the beneficial owner of any payment of (or in respect of) principal of, premium, if any, or interest, if any, on such contingent convertible security failed to comply with a request by us or our liquidator or other authorized person addressed to the holder (x) to provide information concerning the nationality, residence or identity of the holder or such beneficial owner or (y) to make any declaration or other similar claim, which in the case of (x) or (y), is required or imposed by a statute, treaty, regulation or administrative practice of the U.K. Taxing Jurisdiction as a precondition to exemption or relief from all or part of such deduction or withholding,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;">(v) the withholding or deduction is required to be made pursuant to Sections 1471 through 1474 of the U.S. Internal Revenue Code, any agreement with the U.S. Treasury entered into with respect thereto, any U.S. Treasury regulation issued thereunder or any other official interpretations or guidance issued with respect thereto; any intergovernmental agreement entered into with respect thereto, or any law, regulation, or other official interpretation or guidance promulgated pursuant to such an intergovernmental agreement, or</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;">(vi) any combination of subclauses (i) through (v) above,</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">nor shall Additional Amounts be paid with respect to a payment of principal of, premium, if any, or interest, if any, on the contingent convertible security to any holder who is a fiduciary or partnership or person other than the sole beneficial owner of such payment to the extent such payment would be required by the laws of the U.K. Taxing Jurisdiction to be included in the income for tax purposes of a beneficiary or settlor with respect to such fiduciary or a member of such partnership or a beneficial owner who would not have been entitled to such Additional Amounts, had it been the holder.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Whenever in this prospectus or any prospectus supplement there is mentioned, in any context, the payment of the principal of, premium, if any, or interest, if any, and any other payments on, or in respect of, any contingent convertible security of any series such mention shall be deemed to include mention of the payment of Additional Amounts provided for in this &#8220;Additional Amounts&#8221; section to the extent that, in such context, Additional Amounts are, were or would be payable in respect thereof pursuant to the provisions of this section and as if express mention of the payment of Additional Amounts (if applicable) were made in any provisions hereof where such express mention is not made.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Limitation on Suits</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">No holder of contingent convertible securities will be entitled to proceed directly against us, except as described below.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to any further limitations provided in the relevant prospectus supplement and supplemental indenture establishing any series of contingent convertible securities, before a holder of the contingent convertible securities may bypass the trustee and bring its own lawsuit or other formal legal action or take other steps to enforce its rights or protect its interests relating to the contingent convertible securities, the following must occur:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">The holder must give the trustee written notice that a continuing Event of Default has occurred and remains uncured.</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">The holders of not less than 25% in outstanding principal amount of the contingent convertible securities of the relevant series must make a written request that the trustee institute proceedings because of the Event of Default, and the holder must offer indemnity satisfactory to the trustee in its sole discretion against the cost and other liabilities incurred in connection with such request.</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">The trustee must not have taken action for 60 days after receipt of the above notice and offer of security or indemnity, and the trustee must not have received an inconsistent direction from the majority in principal amount of all outstanding contingent convertible securities of the relevant series during that period.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Notwithstanding any other provision of the contingent convertible indenture or the contingent convertible securities, the right of any holder of contingent convertible securities to receive payment of the principal of (and</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">29</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">premium, if any, on), and interest on, the contingent convertible securities, on or after the due dates thereof or to institute suit for the enforcement of any such payment on or after such respective dates, will not be impaired or affected without the consent of such holder.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Modification and Waiver</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We and the trustee may make certain modifications and amendments to the applicable indenture with respect to any series of contingent convertible securities without the consent of the holders of such contingent convertible securities. Other modifications and amendments may be made to the applicable indenture with the consent of not less than a majority in aggregate outstanding principal amount of the contingent convertible securities of the series outstanding under the indenture that are affected by the modification or amendment, voting as one class. However, no modifications or amendments may be made without the consent of the holder of each contingent convertible security affected that would:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">change the stated maturity, if any, of any principal amount of any contingent convertible security;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">change the terms of any contingent convertible security to include a stated maturity date;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">reduce the principal amount of, the interest rates of, or the payments with respect to any contingent convertible security, other than as permitted under the applicable indenture;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">change our (or any successor<font style="font-family:'Symbol';">&#8217;</font>s) obligation to pay Additional Amounts;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">change the currency of payment;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">reduce the percentage in aggregate principal amount of outstanding contingent convertible securities of the series necessary to modify or amend the applicable indenture or to waive compliance with certain provisions of the applicable indenture;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">impair the right to institute suit for the enforcement of any payment due and payable;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">modify the subordination provisions or the terms of our obligations in respect of the payment of amounts due and payable on the contingent convertible securities in a manner adverse to the holders, in each case other than as permitted under the applicable indenture; or</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;">modify the above requirements.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In addition to the permitted amendments described in the preceding paragraph, we and the trustee may amend or supplement the applicable indenture or the contingent convertible securities without the consent of any holders of the contingent convertible securities to conform the provisions of the applicable indenture to this &#8220;<i style="font-style:italic;">Description of Contingent Convertible Securities</i>&#8221; section in this prospectus.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">In addition, unless the relevant prospectus supplement provides otherwise, any variations in the terms and conditions of the contingent convertible securities of any series, including modifications relating to the subordination or redemption provisions of such contingent convertible securities, can only be made in accordance with the rules and requirements of the PRA, as and to the extent applicable from time to time.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Consolidation, Merger and Sale of Assets; Assumption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">We may, without the consent of the holders of any of the contingent convertible securities, consolidate with, merge into or transfer or lease our assets substantially as an entirety to any person, provided that any successor corporation formed by any consolidation or amalgamation, or any transferee or lessee of our assets, is a company organized under the laws of any part of the United Kingdom that assumes, by a supplemental indenture, our obligations on the contingent convertible securities and under the applicable indenture, and we procure the delivery</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">30</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">of a customary officer&#8217;s certificate and legal opinion providing that the conditions precedent to the transaction have been complied with.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Subject to applicable law and regulation (including, if and to the extent required at such time by the applicable regulatory capital rules, regulations or standards, the prior consent of the PRA), a holding company of us or any of our wholly-owned subsidiaries may assume our obligations under the contingent convertible securities of any series without the consent of any holder, provided that certain conditions are satisfied. If the conditions set out in the contingent convertible securities indenture are satisfied, all of our direct payment obligations under the contingent convertible securities of the series and the applicable indenture shall immediately be discharged. Any Additional Amounts under the contingent convertible securities of the series will be payable in respect of taxes imposed by the jurisdiction in which the assuming holding company or wholly-owned subsidiary is organized or tax resident, subject to exceptions equivalent to those that apply to any obligation to pay Additional Amounts in respect of taxes imposed by the U.K. Taxing Jurisdiction, rather than taxes imposed by the U.K. Taxing Jurisdiction. The holding company or wholly-owned subsidiary, as the case may be, that assumes our obligations will also be entitled to redeem the contingent convertible securities of the relevant series in the circumstances described in &#8220;&#8211;Redemption&#8221; above or in the supplemental indenture with respect to the particular series of contingent convertible securities.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><i style="font-style:italic;">An assumption of our obligations under the contingent convertible securities of any series might be deemed for U.S. federal income tax purposes to be an exchange of those contingent convertibles securities for new contingent convertible securities by each beneficial owner, resulting in a recognition of taxable gain or loss for U.S. federal income tax purposes and possibly certain other adverse tax consequences. You should consult your tax advisor regarding the U.S. federal, state and local income tax consequences of an assumption.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Governing Law</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The contingent convertible securities and the indenture will be governed by and construed in accordance with the laws of the State of New York and the Trust Indenture Act, except that, as the indenture specifies, the subordination provisions and the waiver of the right to set-off by the holders and by the Trustee acting on behalf of the holders of each series of contingent convertible securities will be governed by and construed in accordance with the laws of Scotland.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Notices</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">All notices to holders of registered contingent convertible securities shall be validly given if in writing and mailed, first-class postage prepaid, to them at their respective addresses in the register maintained by the trustee.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">The Trustee</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">The Bank of New York Mellon, acting through its London Branch, One Canada Square, London E14 5AL, is the trustee under the indenture with respect to the contingent convertible securities. The trustee shall have and be subject to all the duties and responsibilities specified with respect to an indenture trustee under the Trust Indenture Act of 1939 (&#8220;TIA&#8221;). Subject to the provisions of the TIA, the trustee is under no obligation to exercise any of the powers vested in it by the indenture at the request of any holder of contingent convertible securities, unless offered reasonable indemnity by the holder against the costs, expense and liabilities which might be incurred thereby. We and certain of our subsidiaries maintain deposit accounts and conduct other banking transactions with The Bank of New York Mellon in the ordinary course of our business. The Bank of New York Mellon is also the book-entry depositary and paying agent with respect to our contingent convertible securities. The Bank of New York Mellon is the depositary with respect to the American Depositary Shares representing certain of our preference shares and our ordinary shares.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Consent to Service of Process</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Under the indenture, we irrevocably designate CT Corporation System as our authorized agent for service of process in any legal action or proceeding arising out of or relating to the indentures or any contingent convertible</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">31</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">securities brought in any federal or state court in The City of New York, New York and we irrevocably submit to the jurisdiction of those courts.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">TIER 1 SECURITIES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">A.</b></font><b style="font-weight:bold;">Dollar Perpetual Regulatory Tier 1 Securities</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 33-42 of Exhibit 2.5 of the 2019 Annual Report, available at</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;">https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 92-105 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">SUBORDINATED TIER 2 SECURITIES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">A.</b></font><b style="font-weight:bold;">6.125% Subordinated Tier 2 Notes due 2022</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 51-62 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 104-111 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">B.</b></font><b style="font-weight:bold;">6.000% Subordinated Tier 2 Notes due 2023</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 51-62 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 112-119 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">C.</b></font><b style="font-weight:bold;">6.100% Subordinated Tier 2 Notes due 2023</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 18pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 51-62 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="text-decoration:underline;visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">32</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="text-decoration:underline;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 120-127 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">D.</b></font><b style="font-weight:bold;">5.125% Subordinated Tier 2 Notes due 2024</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 51-62 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 128-136 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">E.</b></font><b style="font-weight:bold;">3.754% Subordinated Tier 2 Notes due 2029</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 137-147 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:36pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">F.</b></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;margin-top:0pt;"><b style="font-weight:bold;">Fixed-to-Fixed Reset Rate Subordinated Tier 2 Notes due 2035</b></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 26-38 of Exhibit 2.4 of the 2020 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465921032442/a20-38587_8ex2d4.htm</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">33</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 4pt 0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">SENIOR NOTES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">A.</b></font><b style="font-weight:bold;">3.875% Senior Notes due 2023</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 63-77 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 155-159 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">B.</b></font><b style="font-weight:bold;">3.498% Fixed Rate / Floating Rate Senior Notes due 2023 and Senior Floating Rate Notes due 2023</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 63-77 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 160-169 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">C.</b></font><b style="font-weight:bold;">2.359% Senior Callable Fixed-to-Fixed Reset Rate Green Notes due 2024 and 3.073% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2028</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 40-50 of Exhibit 2.4 of the 2020 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465921032442/a20-38587_8ex2d4.htm </p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">D.</b></font><b style="font-weight:bold;">4.519% Fixed Rate / Floating Rate Senior Notes due 2024 and Senior Floating Rate Notes due 2024</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 170-182 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">34</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">E.</b></font><b style="font-weight:bold;">4.269% Fixed Rate / Floating Rate Senior Notes due 2025</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 183-194 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">F.</b></font><b style="font-weight:bold;">4.892% Fixed / Floating Rate Senior Notes due 2029</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 195-206 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">G.</b></font><b style="font-weight:bold;">4.445% Fixed / Floating Rate Senior Notes due 2030</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please refer to pages 207-218 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">H.</b></font><b style="font-weight:bold;">5.076% Fixed Rate / Floating Rate Senior Notes due 2030</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 78-91 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;">Please refer to pages 219-230 of Exhibit 2.5 of the 2019 Annual Report, available at <br>https://www.sec.gov/Archives/edgar/data/844150/000110465920026118/a19-22922_1ex2d5.htm.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 10pt 0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">35</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 36pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">I.</b></font><b style="font-weight:bold;">1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2027</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Base Prospectus</b><b style="font-weight:bold;">:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;">Please see the section &#8220;Description of Debt Securities&#8221; of the Base Prospectus dated December 9, 2020, set out on pages 15-25 of this exhibit.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Prospectus Supplement:</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt;"><font style="text-decoration:underline;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">DESCRIPTION OF THE SENIOR SECURITIES</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 0pt 5.9pt;"><i style="font-style:italic;">In this prospectus supplement, we refer to the $1,500,000,000 1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2027 as the &#8220;Senior Notes&#8221;. The following is a summary of certain terms of the Senior Notes. It supplements the description of the general terms of the debt securities we may issue contained in the accompanying prospectus under the heading &#8220;Description of Debt Securities.&#8221; If there is any inconsistency between the following summary and the description in the accompanying prospectus, the following summary governs.</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><font style="display:inline-block;visibility:hidden;width:0pt;">&#8203;</font><br><b style="font-weight:bold;">General</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.75pt;">The Senior Notes will be issued in an aggregate principal amount of $1,500,000,000, and unless previously redeemed (in the circumstances described in &#8220;&#8212;<i style="font-style:italic;">Tax Redemption</i>&#8221;, &#8220;&#8212;<i style="font-style:italic;">Loss Absorption Disqualification Event</i>&#8221; and &#8220;&#8212;<i style="font-style:italic;">Optional Redemption</i>&#8221; below), will mature on June 14, 2027.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The Senior Notes will constitute our direct, unconditional, unsecured and unsubordinated obligations ranking <i style="font-style:italic;">pari passu</i>, without any preference among themselves, and equally with all our other outstanding unsecured and unsubordinated obligations, present and future, except such obligations as are preferred by operation of law.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The Senior Notes will constitute a separate series of debt securities issued under the Indenture. Book-entry interests in the Senior Notes will be issued in minimum denominations of $200,000 and in integral multiples of $1,000 in excess thereof.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The principal corporate trust office of the Trustee in London, United Kingdom, is designated as the principal paying agent. We may at any time designate additional paying agents or rescind the designation of paying agents or approve a change in the office through which any paying agent acts.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">We will issue the Senior Notes in fully registered form. The Senior Notes will be represented by global securities registered in the name of a nominee of DTC. You will hold beneficial interest in the Senior Notes through the DTC and its participants. The Underwriters expect to deliver the Senior Notes through the facilities of the DTC on June 14, 2021. For a more detailed summary of the form of the Senior Notes and settlement and clearance arrangements, you should read &#8220;<i style="font-style:italic;">Description of Certain Provisions Relating to Debt Securities and Contingent Convertible Securities&#8212;Form of Debt Securities and Contingent Convertible Securities; Book-Entry System</i>&#8221; in the accompanying prospectus. Indirect holders trading their beneficial interests in the Senior Notes through the DTC must trade in the DTC&#8217;s same-day funds settlement system and pay in immediately available funds. Secondary market trading through Euroclear and Clearstream, Luxembourg will occur in the ordinary way following the applicable rules and operating procedures of Euroclear and Clearstream, Luxembourg.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 0pt 5.9pt;">Definitive debt securities will only be issued in limited circumstances described under &#8220;<i style="font-style:italic;">Description of Certain Provisions Relating to Debt Securities and Contingent Convertible Securities&#8212;Form of Debt Securities and Contingent Convertible Securities; Book-Entry System</i>&#8221; in the accompanying prospectus.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">36</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Payment of principal of and interest on the Senior Notes, so long as the Senior Notes are represented by global securities, will be made in immediately available funds. Beneficial interests in the global securities will trade in the same-day funds settlement system of the DTC, and secondary market trading activity in such interests will therefore settle in same-day funds.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">We may, without the consent of the holders of the Senior Notes, issue additional notes having the same ranking and same interest rate, maturity date, redemption terms and other terms as the Senior Notes described in this prospectus supplement except for the price to the public and Issue Date of such Senior Notes, provided however that if such additional notes have the same CUSIP, ISIN and/or Common Code as the outstanding Senior Notes, such additional notes must be fungible with the outstanding Senior Notes for U.S. federal income tax purposes. Any such additional notes, together with the Senior Notes offered by this prospectus supplement, may constitute a single series of Senior Notes under the Indenture. There is no limitation on the amount of notes or other debt securities that we may issue under the Indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Interest</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:17.85pt;margin:0pt 0pt 12pt 5.9pt;">The Senior Notes will bear interest from (and including) the date of issuance to (but excluding) June 14, 2026 (the &#8220;Reset Date&#8221;), at a rate of 1.642% per annum, and from (and including) the Reset Date to (but excluding) maturity (the &#8220;Reset Period&#8221;), at a rate per annum equal to the applicable U.S. Treasury Rate (as defined herein) as determined by the Calculation Agent on the Reset Determination Date (as defined herein), plus 0.900%. Interest on the Senior Notes will be paid semi-annually in arrear on June 14 and December 14 of each year (each, an &#8220;Interest Payment Date&#8221;), beginning on December 14, 2021, to (and including) maturity. The regular record dates for the Senior Notes will be the 15th day of each May and November of each year, whether or not a business day, immediately preceding the relevant Interest Payment Date.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:3.2pt;margin:0pt 0pt 12pt 23.8pt;">The &#8220;Reset Determination Date&#8221; will be the second business day immediately preceding the Reset Date.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:17.85pt;margin:0pt 0pt 12pt 5.9pt;">A &#8220;business day&#8221; means any day, other than Saturday or Sunday, that is neither a legal holiday nor a day on which banking institutions are authorised or required by law or regulation to close in the City of New York or in the City of London.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:17.85pt;margin:0pt 0pt 12pt 5.9pt;">Interest will be calculated on the basis of twelve 30-day months or, in the case of an incomplete month, the actual number of days elapsed, in each case assuming a 360-day year.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;text-indent:17.85pt;margin:0pt 0pt 12pt 5.9pt;">All percentages resulting from any calculation of any interest rate on the Senior Notes will be rounded, if necessary, to the nearest one hundred thousandth of a percentage point, with five one-millionths of a percentage point rounded upward, and all dollar amounts would be rounded to the nearest cent, with one-half cent being rounded upward.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;text-indent:17.85pt;margin:0pt 0pt 12pt 5.9pt;">If any scheduled Interest Payment Date is not a business day, we will pay interest on the next day that is a business day, but interest on such payment will not accrue during the period from and after such scheduled Interest Payment Date.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">If the scheduled maturity date or date of redemption or repurchase (in the circumstances described in &#8220;&#8212;<i style="font-style:italic;">Tax Redemption</i>&#8221;, &#8220;&#8212;<i style="font-style:italic;">Capital Disqualification Event</i>&#8221;, &#8220;<i style="font-style:italic;">&#8212;Optional Redemption</i>&#8221; and &#8220;&#8212;<i style="font-style:italic;">Repurchases</i>&#8221; below) or repayment of the Senior Notes is not a business day, we may pay interest and principal on the next succeeding business day, but interest on that payment will not accrue during the period from and after the scheduled maturity date or date of redemption, repurchase or repayment.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Determination of the U.S. Treasury Rate</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:22.5pt;margin:0pt 0pt 12pt 4.5pt;">The U.S. Treasury Rate shall be determined by the Calculation Agent.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">37</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:22.5pt;margin:0pt 0pt 12pt 4.5pt;">&#8220;U.S. Treasury Rate&#8221; means, with respect to the Reset Date, the rate per annum equal to: (1) the average of the yields on actively traded</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:21.1pt;margin:0pt 0pt 12pt 5.9pt;">U.S. Treasury securities adjusted to constant maturity, for one-year maturities, for the five business days immediately prior to the Reset Determination Date and appearing under the caption &#8220;Treasury constant maturities&#8221; at 5:00 p.m. (New York City time) on the Reset Determination Date in the applicable most recently published statistical release designated &#8220;H.15 Daily Update&#8221;, or any successor publication that is published by the Board of Governors of the Federal Reserve System that establishes yields on actively traded U.S. Treasury securities adjusted to constant maturity, under the caption &#8220;Treasury Constant Maturities&#8221;, for the maturity of one year; or (2) if such release (or any successor release) is not published during the week immediately prior to the Reset Determination Date or does not contain such yields, the rate per annum equal to the semi-annual equivalent yield to maturity of the Comparable Treasury Issue, calculated using a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury Price for the Reset Date.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">If the U.S. Treasury Rate cannot be determined, for whatever reason, as described under (1) or (2) above, &#8220;U.S. Treasury Rate&#8221; means the rate in percentage per annum as notified by the Calculation Agent to the Issuer equal to the yield on U.S. Treasury securities having a maturity of one year as set forth in the most recently published statistical release designated &#8220;H.15 Daily Update&#8221; under the caption &#8220;Treasury constant maturities&#8221; (or any successor publication that is published weekly by the Board of Governors of the Federal Reserve System and that establishes yields on actively traded U.S. Treasury securities adjusted to constant maturity under the caption &#8220;Treasury constant maturities&#8221; for the maturity of one year) at 5:00 p.m. (New York City time) on the Reset Determination Date on which such rate was set forth in such release (or any successor release).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:17.95pt;margin:0pt 0pt 12pt 5.9pt;"><font style="white-space:pre-wrap;"> &#8220;Comparable Treasury Issue&#8221; means, with respect to the Reset Period, the U.S. Treasury security or securities selected by the Issuer with a maturity date on or about the last day of the Reset Period and that would be utilised, at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities denominated in U.S. dollars and having a maturity of one year.</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">&#8220;Comparable Treasury Price&#8221; means, with respect to the Reset Date, (i) the arithmetic average of the Reference Treasury Dealer Quotations for the Reset Date (calculated on the Reset Determination Date preceding the Reset Date), after excluding the highest and lowest such Reference Treasury Dealer Quotations, or (ii) if fewer than five such Reference Treasury Dealer Quotations are received, the arithmetic average of all such quotations, or (iii) if fewer than two such Reference Treasury Dealer Quotations are received, then such Reference Treasury Dealer Quotation as quoted in writing to the Calculation Agent by a Reference Treasury Dealer.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">&#8220;Reference Treasury Dealer&#8221; means each of up to five banks selected by the Issuer (following, where practicable, consultation with the Calculation Agent), or the affiliates of such banks, which are (i) primary U.S. Treasury securities dealers, and their respective successors, or (ii) market makers in pricing corporate bond issues denominated in U.S. dollars.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">&#8220;Reference Treasury Dealer Quotations&#8221; means with respect to each Reference Treasury Dealer and the Reset Date, the arithmetic average, as determined by the Calculation Agent, of the bid and offered prices for the applicable Comparable Treasury Issue, expressed in each case as a percentage of its principal amount, at 11:00 a.m. (New York City time), on the Reset Determination Date.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Tax Redemption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Subject to the provisions described under &#8220;<i style="font-style:italic;">&#8212;Notice of Redemption</i>&#8221; and &#8220;<i style="font-style:italic;">&#8212;Conditions to Redemption and Repurchase</i>&#8221; below, we may redeem the Senior Notes in whole but not in part, at any time in the event of certain changes in the tax laws of the United Kingdom or any political subdivision or any authority thereof or therein having the power to tax and certain other limited circumstances. The circumstances in which we may redeem the</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">38</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.9pt;">Senior Notes and the applicable procedures are described further in the accompanying prospectus under &#8220;<i style="font-style:italic;">Description of Debt Securities&#8212;Redemption</i>.&#8221;</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">In the event of such a redemption, the redemption price of the Senior Notes will be 100% of their principal amount together with any accrued but unpaid payments of interest to, but excluding, the date of redemption. If we elect to redeem the Senior Notes, they will cease to accrue interest from the redemption date, unless we fail to pay the redemption price on the payment date.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Loss Absorption Disqualification Event Redemption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Subject to the provisions described under &#8220;<i style="font-style:italic;">&#8212;Notice of Redemption</i>&#8221; and &#8220;<i style="font-style:italic;">&#8212;Conditions to Redemption and Repurchase</i>&#8221; below, we may redeem the Senior Notes at our sole discretion, in whole but not in part, at 100% of their principal amount together with any accrued but unpaid interest to, but excluding, the date of redemption, in the event we determine a Loss Absorption Disqualification Event has occurred and is continuing.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Before the publication of any notice of redemption pursuant to a Loss Absorption Disqualification Event, we shall deliver to the Trustee a certificate signed by two authorised signatories of NatWest Group plc stating that, in such signatories&#8217; belief, the condition for redemption has occurred and is continuing as at the date of the certificate, and the Trustee is entitled to conclusively rely on and shall accept such certificate as sufficient evidence of such occurrence, in which event it shall be conclusive and binding on the holders of the Senior Notes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:1.4pt;text-indent:-1.4pt;margin:0pt 0pt 12pt 22.5pt;">For these purposes:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 23.9pt;">A &#8220;<b style="font-weight:bold;">Loss Absorption Disqualification Event</b>&#8221; shall be deemed to have occurred if:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:23.75pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">(i)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">at the time that any Loss Absorption Regulation becomes effective, and as a result of such Loss Absorption Regulation becoming so effective, in each case with respect to us and/or the Regulatory Group, on or after the issue date of the Senior Notes, the Senior Notes are or, in our opinion or in the opinion of the PRA are likely not to qualify in full towards our and/or the Regulatory Group&#8217;s</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:41.85pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:16.45pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(A)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">own funds and eligible liabilities and/or (B) loss absorbing capacity instruments; or</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:23.9pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:4.05pt;margin-top:0pt;">(ii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:4.05pt;margin-top:0pt;">as a result of any amendment to, or change in, or replacement of, any Loss Absorption Regulation, or any change in the application or official interpretation of any Loss Absorption Regulation, in any such case becoming effective on or after the issue date of the Senior Notes, the Senior Notes are or, in our opinion or in the opinion of the PRA are likely to be, fully or partially excluded from our and/or the Regulatory Group&#8217;s (A) own funds and eligible liabilities and/or (B) loss absorbing capacity instruments,</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 4.5pt;">in each case as determined in accordance with, and pursuant to, the relevant Loss Absorption Regulations as applicable to us and/or the Regulatory Group; <i style="font-style:italic;">provided </i>that in the case of (i) and (ii) above, a Loss Absorption Disqualification Event shall not occur where such exclusion of the Senior Notes is due to the remaining maturity of the Senior Notes being less than any period prescribed by any applicable eligibility criteria under the relevant Loss Absorption Regulations effective with respect to us and/or the Regulatory Group on the issue date of the Senior Notes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">&#8220;<b style="font-weight:bold;">Loss Absorption Regulations</b>&#8221; means, at any time, the laws, regulations, requirements, guidelines, rules, standards and policies relating to minimum requirements for own funds and eligible liabilities and/or loss absorbing capacity instruments of the United Kingdom, the PRA, the United Kingdom resolution authority, the Financial Stability Board and/or of the European Parliament or of the Council of the European Union then in effect in the United Kingdom including, without limitation to the generality of the foregoing, any delegated or implementing acts (such as regulatory technical standards) adopted by the European Commission and any regulations, requirements, guidelines, rules, standards and policies relating to requirements for own funds and eligible liabilities and/or loss absorbing capacity instruments adopted by the PRA and/or the United Kingdom</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">39</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.9pt;">resolution authority from time to time (whether or not such regulations, requirements, guidelines, rules, standards or policies are applied generally or specifically to us or to the Regulatory Group).</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">&#8220;<b style="font-weight:bold;">PRA</b>&#8221; means the UK Prudential Regulation Authority and/or such other governmental authority in the United Kingdom having primary supervisory authority with respect to our business.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">&#8220;<b style="font-weight:bold;">Regulatory Group</b>&#8221; means us, our subsidiary undertakings, participations, participating interests and any subsidiary undertakings, participations or participating interests held (directly or indirectly) by any of our subsidiary undertakings from time to time and any other undertakings from time to time consolidated with us for regulatory purposes, in each case in accordance with the rules and guidance of the PRA then in effect.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 5.9pt;"><b style="font-weight:bold;">Optional Redemption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 5.9pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Subject to the provisions described under &#8220;<i style="font-style:italic;">&#8212;Notice of Redemption</i>&#8221; and &#8220;<i style="font-style:italic;">&#8212;Conditions to Redemption and Repurchase</i>&#8221; below, we may redeem the Senior Notes at our sole discretion, in whole but not in part, on June 14, 2026 (the &#8220;Optional Redemption Date&#8221;) at 100% of their principal amount together with any accrued but unpaid interest to, but excluding, the date of redemption.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The Senior Notes will not be redeemable at the option of the holders at any time.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Notice of Redemption</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">If we elect to redeem the Senior Notes at our option on the Optional Redemption Date or due to the occurrence of a tax law change or a Loss Absorption Disqualification Event, we will give holders of the Senior Notes of not less than five (5) business days or more than 60 calendar days&#8217; notice in accordance with &#8220;&#8212;<i style="font-style:italic;">Notices</i>&#8221; below, and to the Trustee at least five (5) business days prior to such date, unless a shorter notice period shall be satisfactory to the Trustee. Except as otherwise provided herein, such notice shall be irrevocable but may be conditioned on the occurrence of any event or circumstance.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Any redemption notice will state:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:41.7pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18.05pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">the redemption date;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:41.7pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18.05pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">the redemption price;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:41.75pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">that, and subject to what conditions, the redemption price will become due and payable on the redemption date and that payments will cease to accrue on such date;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:41.7pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18.05pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">the place or places at which each holder may obtain payment of the redemption price; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:41.75pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">the CUSIP, Common Code and/or ISIN number or numbers, if any, with respect to the Senior Notes.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.75pt;">If we have elected to redeem the Senior Notes but prior to the payment of the redemption amount with respect to such redemption the relevant UK authority exercises its U.K. Bail-in power in respect of the Senior Notes, the relevant redemption notice shall be automatically rescinded and shall be of no force and effect, and no payment of the redemption amount will be due and payable.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Conditions to Redemption and Repurchase</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.75pt;">Notwithstanding any other provision, we may only redeem the Senior Notes prior to the maturity date or repurchase the Senior Notes (and give notice thereof to the holders of Senior Notes in the case of redemption) if we have obtained the prior consent of the PRA, to the extent such consent is at the relevant time and in the</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">40</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.9pt;">relevant circumstances required (if at all) by the Loss Absorption Regulations or applicable laws or regulations in effect in the United Kingdom.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Agreement with Respect to the Exercise of UK Bail-in Power</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Notwithstanding any other agreements, arrangements, or understandings between us and any holder or beneficial owner of the Senior Notes, by its acquisition of Senior Notes, each holder and beneficial owner of the Senior Notes acknowledges, accepts, agrees to be bound by and consents to the exercise of any UK bail-in power by the relevant UK authority which may result in (i) the reduction or cancellation of all, or a portion, of the principal amount of, or interest on, the Senior Notes; (ii) the conversion of all, or a portion, of the principal amount of, or interest on, the Senior Notes into ordinary shares or other securities or other obligations of NatWest Group plc or another person; and/or (iii) the amendment or alteration of the maturity of the Senior Notes, or amendment of the amount of interest due on the Senior Notes, or the dates on which interest becomes payable, including by suspending payment for a temporary period; which UK bail-in power may be exercised by means of variation of the terms of the Senior Notes solely to give effect to the exercise by the relevant UK authority of such UK bail-in power. Each holder and beneficial owner of the Senior Notes further acknowledges and agrees that the rights of the holders and/or beneficial owners under the Senior Notes are subject to, and will be varied, if necessary, solely to give effect to, the exercise of any UK bail-in power by the relevant UK authority.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">For these purposes, a &#8220;UK bail-in power&#8221; is any write-down, conversion, transfer, modification or suspension power existing from time to time under any laws, regulations, rules or requirements relating to the resolution of banks, banking group companies, credit institutions and/or investment firms incorporated in the United Kingdom in effect and applicable in the United Kingdom to NatWest Group plc or other members of the Group, including but not limited to any such laws, regulations, rules or requirements which are implemented, adopted or enacted within the context of a European Union directive or regulation of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms (notwithstanding that the UK is no longer a member state of the European Union) and/or within the context of a UK resolution regime under the Banking Act 2009, as the same has been or may be amended from time to time (whether pursuant to the UK Financial Services (Banking Reform) Act 2013 (the &#8220;Banking Reform Act 2013&#8221;), secondary legislation or otherwise, the &#8220;Banking Act&#8221;), pursuant to which any obligations of a bank, banking group company, credit institution or investment firm or any of its affiliates can be reduced, cancelled, modified, transferred and/or converted into shares or other securities or obligations of the obligor or any other person (or suspended for a temporary period) or pursuant to which any right in a contract governing such obligations may be deemed to have been exercised.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">A reference to the &#8220;relevant UK authority&#8221; is to any authority with the ability to exercise a UK bail-in power.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">No repayment of the principal amount of the Senior Notes or payment of interest on the Senior Notes shall become due and payable after the exercise of any UK bail-in power by the relevant UK authority unless, at the time that such repayment or payment, respectively, is scheduled to become due, such repayment or payment would be permitted to be made by us under the laws and regulations of the United Kingdom applicable to us and the Group.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">If we have elected to redeem the Senior Notes but prior to the payment of the redemption amount with respect to such redemption the relevant UK authority exercises its UK bail-in power with respect to the Senior Notes, the relevant redemption notices shall be automatically rescinded and shall be of no force and effect, and no payment of the redemption amount will be due and payable.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The exercise of any UK bail-in power by the relevant UK authority shall not constitute a default or Event of Default under the terms of the Senior Notes or the Indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">In addition, by its acquisition of Senior Notes, each holder (including each beneficial holder) of the Senior Notes:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">41</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:32.9pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:27pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0.55pt;margin-top:0pt;">(i)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0.55pt;margin-top:0pt;">acknowledges and agrees that the exercise of the UK bail-in power by the relevant UK authority with respect to the Senior Notes shall not give rise to a Default or Event of Default for purposes of Section 315(b) (<i style="font-style:italic;">Notice of Default</i>) and Section 315(c) (<i style="font-style:italic;">Duties of the Trustee in Case of Default</i>) of the Trust Indenture Act;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt;"><font style="font-size:9.5pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:32.9pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:27pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">(ii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">to the extent permitted by the Trust Indenture Act, waives any and all claims against the Trustee for, agrees not to initiate a suit against the Trustee in respect of, and agrees that the Trustee shall not be liable for, any action that the Trustee takes, or abstains from taking, in either case in accordance with the exercise of the UK bail-in power by the relevant UK authority with respect to the Senior Notes;</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0pt 59.9pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:32.9pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:27pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(iii)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">agrees that, upon the exercise of any UK bail-in power by the relevant UK authority with respect to the Senior Notes,</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:59.9pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">a.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">the Trustee shall not be required to take any further directions from holders of the notes under Section 5.12 <i style="font-style:italic;">(Control by Holders) </i>of the Indenture, which section authorises holders of a majority in aggregate outstanding principal amount of the notes to direct certain actions relating to the notes, and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:59.9pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">b.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">the Indenture shall impose no duties upon the Trustee whatsoever with respect to the exercise of any UK bail-in power by the relevant UK authority. Notwithstanding the foregoing, if, following the completion of the exercise of the UK bail-in power by the relevant UK authority in respect of the Senior Notes, the Senior Notes remain outstanding (for example, if the exercise of the UK bail-in power results in only a partial write-down of the principal of such Senior Notes), then the Trustee&#8217;s duties under the Indenture shall remain applicable with respect to the Senior Notes following such completion to the extent that we and the Trustee shall agree pursuant to a supplemental indenture.</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:33.1pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:26.8pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">(iv)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">shall be deemed to have (i) consented to the exercise of any UK bail-in power which may be imposed without any prior notice by the relevant UK authority of its decision to exercise such power with respect to the Senior Notes and (ii) authorised, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds such Senior Notes to take any and all necessary action, if required, to implement the exercise of any UK bail-in power with respect to the Senior Notes as it may be imposed, without any further action or direction on the part of such holder.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt;"><font style="font-size:9.5pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:22.5pt;margin:0pt 0pt 0pt 4.5pt;">For a discussion of certain risk factors relating to the UK bail-in power, see &#8220;<i style="font-style:italic;">Risk Factors&#8212;Risks relating to the Senior Notes</i>&#8221;.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:22.5pt;margin:0pt 0pt 0pt 4.5pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:22.3pt;margin:0pt 0pt 0pt 4.3pt;">Upon the exercise of the UK bail-in power by the relevant UK authority with respect to the Senior Notes, we shall provide a written notice to DTC as soon as practicable regarding such exercise of the UK bail-in power for purposes of notifying holders of such occurrence. We shall also deliver a copy of such notice to the Trustee for information purposes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:22.5pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Events of Default and Defaults; Limitation of Remedies</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;"><i style="font-style:italic;">Events of Default</i></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:22.3pt;margin:0pt 0pt 0pt 4.3pt;">An &#8220;Event of Default&#8221; with respect to the Senior Notes shall only result if:</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">42</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">a court of competent jurisdiction makes an order for our winding up which is not successfully appealed within 30 days; or</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0.05pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0.05pt;margin-top:0pt;">an effective shareholders<font style="font-family:'Symbol';">&#8217;</font> resolution is validly adopted for our winding up,</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0.05pt 36pt;"><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0.5pt 36pt;">in each case other than under or in connection with a scheme of amalgamation or reconstruction not involving a bankruptcy or insolvency.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:36pt;margin:0pt;"><font style="font-size:9.5pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:17.95pt;margin:0pt 0pt 12pt 5.9pt;">There are no other Events of Default under the Senior Notes. If an Event of Default with respect to Senior Notes occurs and is continuing, the Trustee or the holder or holders of at least 25% in aggregate principal amount of the outstanding Senior Notes may declare the principal amount of, and any accrued but unpaid interest on such Senior Notes to be due and payable immediately in accordance with the terms of the Indenture. However, after this declaration but before the Trustee obtains a judgment or decree for payment of money due, the holder or holders of a majority in aggregate principal amount of the outstanding Senior Notes may rescind the declaration of acceleration and its consequences, but only if all Events of Default have been remedied and all payments due, other than those due as a result of acceleration, have been made.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">There are no other circumstances in which holders of Senior Notes or the Trustee may accelerate amounts to be paid in respect of the Senior Notes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:1.45pt;text-indent:-1.45pt;margin:0pt 0pt 0pt 25.9pt;"><i style="font-style:italic;">Default</i><br><font style="margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;padding-left:1.4pt;text-indent:-1.4pt;margin:0pt 0pt 12pt 25.6pt;">A &#8220;Default&#8221; with respect to the Senior Notes shall result if:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:23.75pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">any installment of interest in respect of the Senior Notes is not paid on or before the relevant Interest Payment Date and such failure continues for 14 days; or</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:23.75pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Symbol';">&#183;</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">all or any part of the principal amount of the Senior Notes is not paid when it otherwise becomes due and payable, whether upon redemption or otherwise, and such failure continues for 7 days.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">If a Default occurs and is continuing, the Trustee may commence a proceeding for our winding up, but the Trustee may not declare the principal amount of any outstanding Senior Notes to be due and payable.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">However and notwithstanding any other provisions, a failure to make any payment on the Senior Notes shall not be a Default if it is withheld or refused, upon independent counsel&#8217;s advice delivered to the Trustee, in order to comply with any applicable fiscal or other law or regulation or order of any court of competent jurisdiction. In such case, the Trustee may require us to take any action which, upon independent counsel&#8217;s advice delivered to the Trustee, is appropriate and reasonable in the circumstances (including proceedings for a court declaration), in which case we shall immediately take and expeditiously proceed with the action and shall be bound by any final resolution resulting therefrom. If any such action results in a determination that the relevant payment can be made without violating any applicable law, regulation or order then the payment shall become due and payable on the expiration of the applicable 14-day or seven-day period after the Trustee gives written notice to us informing us of such determination.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Upon the occurrence of any Event of Default or Default, we shall give prompt written notice to the Trustee. In accordance with the Indenture, the Trustee may proceed to protect and enforce its rights and the rights of the holders of the Senior Notes whether in connection with any breach by us of our obligations under the Senior Notes, the Indenture or otherwise, including by judicial proceedings, provided that we shall not, as a result of any such action by the Trustee, be required to pay any amount representing or measured by reference to principal or interest on the Senior Notes prior to any date on which the principal of, or any interest on, the Senior Notes would have otherwise been payable.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">43</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0.05pt 0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Other than the limited remedies specified above, no remedy against us shall be available to the Trustee or the holders of the Senior Notes whether for the recovery of amounts owing in respect of such Senior Notes or under the Indenture or in respect of any breach by us of our obligations under the Indenture or in respect of the Senior Notes, except that the Trustee and the holders shall have such rights and powers as they are entitled to have under the Trust Indenture Act of 1939 (the &#8220;Trust Indenture Act&#8221;), including the Trustee&#8217;s prior lien on any amounts collected following a Default or Event of Default for payment of the Trustee&#8217;s fees and expenses, and provided that any payments on the Senior Notes are subject to the ranking provisions set forth in the Indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Notwithstanding any contrary provisions, nothing shall impair the right of a holder, absent the holder&#8217;s consent, to sue for any payments due but unpaid with respect to the Senior Notes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The provisions described under &#8220;<i style="font-style:italic;">Description of Debt Securities&#8212;Events of Default and Defaults; Limitation of Remedies</i>&#8221; in the accompanying prospectus do not apply to the Senior Notes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Payment of Additional Amounts</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The government of the United Kingdom or any political subdivision or any authority thereof or therein having the power to tax may require us to withhold or deduct amounts from payments on the Senior Notes for taxes or other governmental charges. If such a withholding or deduction is required, we may be required, subject to certain exceptions, to pay additional amounts such that the net amount paid to holders of the Senior Notes, after such deduction or withholding, equals the amount that would have been payable had no such withholding or deduction been required (&#8220;Additional Amounts&#8221;). For more information on Additional Amounts and the situations in which we must pay Additional Amounts, see &#8220;<i style="font-style:italic;">Description of Debt Securities&#8212;Additional Amounts</i>&#8221; in the accompanying prospectus.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Whenever in this prospectus supplement there is mentioned, in the context of the Senior Notes, the payment of the principal, premium, if any, or interest on or in respect of any Senior Note, such mention shall be deemed to include mention of the payment of Additional Amounts referred to above and further described under &#8220;<i style="font-style:italic;">Description of Debt Securities&#8212;Additional Amounts</i>&#8221; in the accompanying prospectus, to the extent that, in such context, Additional Amounts are, were or would be payable in respect thereof pursuant to the provisions of the Indenture and as if express mention of the payment of Additional Amounts (if applicable) were made in any provisions hereof where such express mention is not made.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">In addition to the exceptions to our gross-up obligations set forth in the accompanying prospectus, we will not pay Additional Amounts in respect of any withholding or deduction required to be made pursuant to Sections 1471 through 1474 of the U.S. Internal Revenue Code of 1986, as amended (&#8220;FATCA&#8221;), any U.S. Treasury regulation issued under FATCA or any official interpretations or guidance issued with respect thereto, any agreement with the U.S. Treasury entered into in connection with FATCA, any intergovernmental agreement entered into in connection with FATCA, or any law, regulation, or other official interpretation or guidance enacted, promulgated or issued in any jurisdiction to implement such an intergovernmental agreement.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Noteholder&#8217;s Waiver of Right to Set-Off</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">By acquiring a Senior Note, each holder (and the Trustee acting on behalf of the holders) will be deemed to have waived to the fullest extent permitted by law any right of set-off, counterclaim or combination of accounts with respect to such Senior Note or the Indenture (or between our obligations under or in respect of any Senior Note and any liability owed by a holder) that they (or the Trustee acting on their behalf) might otherwise have against us, whether before or during our winding-up, liquidation or administration. Notwithstanding the above, if any such rights and claims of any such holder (or the Trustee acting on behalf of such holders) against us are discharged by set-off, such holder (or the Trustee acting on behalf of such holders) will immediately pay an amount equal to the amount of such discharge to us or, in the event of a winding-up, liquidation or administration, our liquidator or administrator (or other relevant insolvency official), as the case may be, to be held on trust for senior creditors, and until such time as payment is made will hold a sum equal to such amount on trust for senior creditors, and accordingly such discharge shall be deemed not to have taken place.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">44</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 0.05pt 0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Trustee; Direction of Trustee</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The Issuer&#8217;s obligations to indemnify the Trustee in accordance with Section 6.07 of the Indenture shall survive the exercise of the UK bail-in power by the relevant UK authority with respect to the Senior Notes.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">By its acquisition of Senior Notes, each holder (including each beneficial holder) of the Senior Notes acknowledges and agrees that, upon the exercise of any UK bail-in power by the relevant UK authority, (a) the Trustee shall not be required to take any further directions from holders of the Senior Notes under Section 5.12 (<i style="font-style:italic;">Control by Holders</i>) of the Indenture, which authorises holders of a majority in aggregate outstanding principal amount of the Senior Notes to direct certain actions relating to the Senior Notes, and (b) neither the Base Indenture nor the Supplemental Indenture shall impose any duties upon the Trustee whatsoever with respect to the exercise of any UK bail- in power by the relevant UK authority. Notwithstanding the foregoing, if, following the completion of the exercise of the UK bail-in power by the relevant UK authority, the Senior Notes remain outstanding (for example, if the exercise of the UK bail-in power results in only a partial write-down of the principal of the Senior Notes), then the Trustee&#8217;s duties under the Indenture shall remain applicable with respect to the Senior Notes following such completion to the extent that the Issuer and the Trustee shall agree pursuant to a supplemental indenture or an amendment to the Indenture.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">In addition to the foregoing, the Trustee may decline to act or accept direction from holders unless it receives written direction from holders representing a majority in aggregate principal amount of the Senior Notes and security and/or indemnity satisfactory to the Trustee in its sole discretion. The Indenture shall not be deemed to require the Trustee to take any action which may conflict with applicable law, or which may be unjustly prejudicial to the holders not taking part in the direction, or which would subject the Trustee to undue risk or for which it is not indemnified to its satisfaction in its sole discretion.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">The Trustee makes no representations regarding, and shall not be liable with respect to, the information set forth in this prospectus supplement.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.75pt;">See &#8220;<i style="font-style:italic;">&#8212;Events of Default and Defaults; Limitation of Remedies</i>&#8221; above for a description of the Trustee&#8217;s procedures and remedies available in connection with an Event of Default or Default.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Notices</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">All notices regarding the Senior Notes will be deemed to be validly given if sent by first-class mail to the holders of the Senior Notes at their addresses recorded in the register.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Until such time as any definitive securities are issued, there may, so long as any Global Notes representing the Senior Notes are held in their entirety on behalf of DTC, be substituted for such notice by first-class mail the delivery of the relevant notice to DTC for communication by them to the holders of the Senior Notes, in accordance with DTC&#8217;s applicable procedures. Neither the failure to give any notice to a particular holder, nor any defect in a notice given to a particular holder, will affect the sufficiency of any notice given to another holder.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 5.9pt;">Notices to be given by any holders of the Senior Notes to the Trustee shall be in writing to the Trustee at its corporate trust office. While any of the Senior Notes are represented by a Global Note, such notice may be given by any holder to the Trustee through DTC in such manner as DTC may approve for this purpose.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Subsequent Holders&#8217; Agreement</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:17.95pt;margin:0pt 0pt 12pt 5.9pt;">Holders of the Senior Notes that acquire the Senior Notes in the secondary market shall be deemed to acknowledge, agree to be bound by and consent to the same provisions specified herein to the same extent as the holders and beneficial owners of the Senior Notes that acquire the Senior Notes upon their initial issuance, including, without limitation, with respect to the acknowledgement and agreement to be bound by and consent to the terms of the Senior Notes related to the UK bail-in power.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">45</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:always;width:88.24%;border-width:0;"><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Governing Law</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 4.5pt;">The Senior Notes and the Indenture will be governed by and construed in accordance with the laws of the State of New York.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 5.75pt;"><b style="font-weight:bold;">Listing</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-indent:18pt;margin:0pt 0pt 12pt 0pt;">We intend to apply for the listing of the Senior Notes on the New York Stock Exchange in accordance with its rules.</p></div><div style="clear:both;margin-bottom:30pt;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:24pt 0pt 0pt 0pt;">46</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:avoid;width:88.24%;border-width:0;"></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>3
<FILENAME>nwg-20211231xex8d1.htm
<DESCRIPTION>EXHIBIT-8.1
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  9.11.0.85--><!--Created on: 3/3/2022 09:22:21 PM (UTC)--><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt 0pt 12pt 0pt;"><b style="color:#7030a0;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Exhibit 8.1</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;"><b style="color:#7030a0;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">The principal subsidiaries of NatWest Group plc are:</b></p><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;table-layout:auto;width:100%;" align="center"><tr style="height:1pt;"><td style="vertical-align:bottom;width:43.95%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:18.68%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:26.37%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:10.99%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:43.95%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';font-size:8pt;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:18.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;text-align:right;margin:0pt;"><b style="font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Nature of business</b></p></td><td style="vertical-align:bottom;width:26.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;text-align:right;margin:0pt;"><b style="font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Country of incorporation and<br>principal area of operation</b></p></td><td style="vertical-align:bottom;width:10.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:8pt;text-align:right;margin:0pt;"><b style="font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Group interest</b></p></td></tr><tr><td style="vertical-align:bottom;width:43.95%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">National Westminster Bank Plc (1,3)</font></p></td><td style="vertical-align:bottom;width:18.68%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Banking</font></p></td><td style="vertical-align:bottom;width:26.37%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Great Britain</font></p></td><td style="vertical-align:bottom;width:10.99%;border-top:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">100%</font></p></td></tr><tr><td style="vertical-align:bottom;width:43.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">The Royal Bank of Scotland plc (3)</font></p></td><td style="vertical-align:bottom;width:18.68%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Banking</font></p></td><td style="vertical-align:bottom;width:26.37%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Great Britain</font></p></td><td style="vertical-align:bottom;width:10.99%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">100%</font></p></td></tr><tr><td style="vertical-align:bottom;width:43.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Coutts &amp; Company (2, 3)</font></p></td><td style="vertical-align:bottom;width:18.68%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Banking</font></p></td><td style="vertical-align:bottom;width:26.37%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Great Britain</font></p></td><td style="vertical-align:bottom;width:10.99%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">100%</font></p></td></tr><tr><td style="vertical-align:bottom;width:43.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Ulster Bank Ireland Designated Activity Company (3) </font></p></td><td style="vertical-align:bottom;width:18.68%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Banking</font></p></td><td style="vertical-align:bottom;width:26.37%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Republic of Ireland</font></p></td><td style="vertical-align:bottom;width:10.99%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">100%</font></p></td></tr><tr><td style="vertical-align:bottom;width:43.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">NatWest Markets Plc</font></p></td><td style="vertical-align:bottom;width:18.68%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Banking</font></p></td><td style="vertical-align:bottom;width:26.37%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Great Britain</font></p></td><td style="vertical-align:bottom;width:10.99%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">100%</font></p></td></tr><tr><td style="vertical-align:bottom;width:43.95%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">NatWest Markets N.V. (4)</font></p></td><td style="vertical-align:bottom;width:18.68%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Banking</font></p></td><td style="vertical-align:bottom;width:26.37%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Netherlands</font></p></td><td style="vertical-align:bottom;width:10.99%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">100%</font></p></td></tr><tr><td style="vertical-align:bottom;width:43.95%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">The Royal Bank of Scotland International Limited (5)</font></p></td><td style="vertical-align:bottom;width:18.68%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Financial Institution</font></p></td><td style="vertical-align:bottom;width:26.37%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Jersey</font></p></td><td style="vertical-align:bottom;width:10.99%;border-bottom:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">100%</font></p></td></tr></table></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">(1)</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">The company does not hold any of the preference shares in issue.</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">(2)</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Coutts &amp; Company is incorporated with unlimited liability.</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">(3)</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Owned via NatWest Holdings Limited.</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">(4)</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Owned via NatWest Markets Plc.</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">(5)</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">Owned via The Royal Bank of Scotland International (Holdings) Limited.</font></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 10pt 0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">The above information is provided only in relation to subsidiary companies which would be deemed to be a &#8220;significant subsidiary&#8221; in accordance with rule&#160;1-02(w)&#160;of Regulation S-X as at 31 December&#160;2021.</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:avoid;width:88.24%;border-width:0;"></body></html>
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<DOCUMENT>
<TYPE>EX-12.1
<SEQUENCE>4
<FILENAME>nwg-20211231xex12d1.htm
<DESCRIPTION>EXHIBIT 12.1
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  9.11.0.85--><!--Created on: 3/3/2022 09:22:25 PM (UTC)--><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;text-align:right;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Exhibit 12.1</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">302 CERTIFICATION</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;">I, Alison Rose-Slade, certify that:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">1.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">I have reviewed this annual report on Form 20-F of NatWest Group plc;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">2.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">3.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">4.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">The company&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and have:</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(a)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.5pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">(b)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(c)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Evaluated the effectiveness of the company&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(d)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Disclosed in this report any change in the company&#8217;s internal control over financial reporting that occurred during the period covered by the annual report that has materially affected, or is reasonably likely to materially affect, the company&#8217;s internal control over financial reporting; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">5.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">The company&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the company&#8217;s auditors and the audit committee of the company&#8217;s board of directors (or persons performing the equivalent functions):</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.5pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">(a)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the company&#8217;s ability to record, process, summarize and report financial information; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(b)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Any fraud, whether or not material, that involves management or other employees who have a significant role in the company&#39;s internal control over financial reporting.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;">March 3, 2022</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;">/s/ Alison Rose-Slade</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Alison Rose-Slade<br>Group Chief Executive Officer</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:avoid;width:88.24%;border-width:0;"></body></html>
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<DOCUMENT>
<TYPE>EX-12.2
<SEQUENCE>5
<FILENAME>nwg-20211231xex12d2.htm
<DESCRIPTION>EXHIBIT 12.2
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  9.11.0.85--><!--Created on: 3/3/2022 09:22:29 PM (UTC)--><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;text-align:right;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">Exhibit 12.2</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:9pt;text-align:center;margin:0pt 0pt 10pt 0pt;"><b style="font-weight:bold;">302 CERTIFICATION</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;">I, Katie Murray, certify that:</p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">1.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">I have reviewed this annual report on Form 20-F of NatWest Group plc;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">2.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">3.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">4.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">The company&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and have:</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(a)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(b)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(c)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Evaluated the effectiveness of the company&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(d)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Disclosed in this report any change in the company&#8217;s internal control over financial reporting that occurred during the period covered by the annual report that has materially affected, or is reasonably likely to materially affect, the company&#8217;s internal control over financial reporting; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">5.</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">The company&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the company&#8217;s auditors and the audit committee of the company&#8217;s board of directors (or persons performing the equivalent functions):</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(a)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the company&#8217;s ability to record, process, summarize and report financial information; and</p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="width:18pt;padding:0pt;"></td><td style="vertical-align:text-top;white-space:nowrap;width:40.3pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">(b)</p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;">Any fraud, whether or not material, that involves management or other employees who have a significant role in the company&#39;s internal control over financial reporting.</p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;">March 3, 2022</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt 0pt 12pt 0pt;">/s/ Katie Murray</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Katie Murray<br>Group Chief Financial Officer</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:avoid;width:88.24%;border-width:0;"></body></html>
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<DOCUMENT>
<TYPE>EX-13.1
<SEQUENCE>6
<FILENAME>nwg-20211231xex13d1.htm
<DESCRIPTION>EXHIBIT 13.1
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  9.11.0.85--><!--Created on: 3/3/2022 09:22:34 PM (UTC)--><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt 0pt 12pt 0pt;"><b style="font-weight:bold;">Exhibit 13.1</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:center;margin:0pt 0pt 12pt 0pt;"><b style="font-weight:bold;">906 CERTIFICATION</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">The certification set forth below is being submitted in connection with the annual report on Form 20-F for the year ended December 31, 2021 (the &#8220;Report&#8221;) for the purpose of complying with Rule 13a-14(b) or Rule 15d-14(b) of the Securities Exchange Act of 1934, as amended (the &#8220;Securities Exchange Act of 1934&#8221;) and Section 1350 of Chapter 63 of Title 18 of the United States Code.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">Alison Rose-Slade, the Group Chief Executive Officer, and Katie Murray, the Group Chief Financial Officer, of NatWest Group plc, each certifies that, to the best of her knowledge:</p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">1.</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and</font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;width:100%;border:0pt;"><tr><td style="font-family:'Times New Roman';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">2.</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of NatWest Group plc.</font></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;table-layout:auto;width:100%;" align="center"><tr style="height:1pt;"><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">March 3, 2022</p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">/s/ Alison Rose-Slade</p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Name: Alison Rose-Slade</p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Group Chief Executive Officer</p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">/s/ Katie Murray</p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Name: Katie Murray</p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;">Group Chief Financial Officer</p></td><td style="vertical-align:bottom;width:50%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></td></tr></table></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:avoid;width:88.24%;border-width:0;"></body></html>
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<DOCUMENT>
<TYPE>EX-15.1
<SEQUENCE>7
<FILENAME>nwg-20211231xex15d1.htm
<DESCRIPTION>EXHIBIT-15.1
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  9.11.0.85--><!--Created on: 3/3/2022 09:22:39 PM (UTC)--><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:5.88%;padding-right:5.88%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:right;margin:0pt 0pt 12pt 0pt;"><b style="color:#7030a0;font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Exhibit 15.1</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;"><b style="font-family:'Arial','Helvetica','sans-serif';font-weight:bold;">Consent of Independent Registered Public Accounting Firm</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">We consent to the incorporation by reference in the following Registration Statements of our reports dated March 3, 2022, with respect to the consolidated financial statements of NatWest Group plc (the &#8216;Group&#8217;) and the effectiveness of internal control over financial reporting of the Group included in this Annual Report (Form 20-F) of the Group for the year ended December 31, 2021.</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">1.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">F-3 333-261837</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">2.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-197023</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">3.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-179967</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">4.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-174641</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">5.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-171227</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">6.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-160220</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">7.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-130558</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">8.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-153673</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">9.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-120980</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">10.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:0pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-115726</font></p></td></tr></table><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:14.4pt;padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">11.</font></p></td><td style="padding:0pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:12pt;margin-top:0pt;text-align:justify;"><font style="font-family:'Arial','Helvetica','sans-serif';">S-8 333-85208</font></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">/s/ Ernst &amp; Young LLP</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">London, United Kingdom</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt;"><font style="font-family:'Arial','Helvetica','sans-serif';">3 March 2022</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:5.88%;margin-right:5.88%;margin-top:30pt;page-break-after:avoid;width:88.24%;border-width:0;"></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-15.2
<SEQUENCE>8
<FILENAME>nwg-20211231xex15d2.htm
<DESCRIPTION>EXHIBIT-15.2
<TEXT>
<html><head></head><body link=blue lang="EN-US"><div  align="center"><p align="right" style="margin: 0in 0in 0pt; text-align: right;"><b><font face="Times New Roman" size="2" style="font-size: 10pt; font-weight: bold;">Exhibit 15.2</font></b></p></div><div><div align="center"><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g001.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">NatWest Group plc
Thrive
Together
2021 Annual Report
on Form 20-F</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g002.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Approval of Strategic report
By order of the Board
Jan Cargill
Chief Governance Officer
and&#x202F;Company Secretary
17 February 2022
Chairman:
Howard Davies
Executive directors:
Alison Rose (Group CEO)
Katie Murray (Group CFO)
Non-executive directors:
Frank Dangeard
Patrick Flynn
Morten Friis
Robert Gillespie
Yasmin Jetha
Mike Rogers
Mark Seligman
Lena Wilson
Contents
Our 2021 reporting suite brings together NatWest Group&#x2019;s
financial, non-financial and risk performance for the year. The
reports are designed primarily to meet the expectations of our
investors (including holders of bonds issued under our green,
social and sustainability framework), as well as regulators, and
our wider stakeholders, including customers, colleagues and
society more broadly. The main reports within this suite and
their focus are detailed below:
Strategic report: an overview of our business, our 2021
financial and non-financial performance and progress against
our purpose-led strategy to champion potential, helping people,
families and businesses to thrive.
Governance and remuneration report: a review of our
corporate governance and remuneration, including the
Report&#x202F;of the directors and Annual report on remuneration.
Risk and capital management report: an overview of the
management of key risks relating to our business operations
and disclosures on our capital, liquidity and funding position.
Strategic report
2 Financial performance
3 Operational highlights
4 Chairman&#x2019;s statement
6 Group Chief Executive&#x2019;s review
12 Our purpose framework
14 Our stakeholders
18 Our strategy
20 Our strategy in action
28 Key performance indicators
30 Our purpose-led areas of focus
32 Market environment
34 How we create value
38 Business performance
40 Retail Banking
42 Private Banking
44 Commercial Banking
46 RBS International
48 NatWest Markets
50 Ulster Bank RoI
51 Outlook
52 Section 172(1) statement
54 Stakeholder focus areas
54 Customers
57 Investors
58 Colleagues
62 Communities
63 Regulators
63 Suppliers
At www.natwestgroup.com
Company announcement and
Financial supplement
Our latest company information including our
financial performance for the year with a focus
on&#x202F;key metrics and measurement.
Climate-related Disclosures Report
Details our progress in 2021 on our climate ambitions
including an overview of our approach to climate
related governance, strategy (including scenario
analysis), risk management, metrics and targets.
ESG Supplement
Provides an overview of our purpose in action and
key environmental, social and governance matters
including progress in 2021.
Pillar 3 Report
Focuses on our regulatory reporting requirements
and provides an explanation of our risk profile,
including our capital adequacy, risk appetite
and&#x202F;risk&#x202F;management.
Mica Johnson,
Owner, Floral Glory
Available within this NatWest Group Form 20-F supplement
(filed as Exhibit 15.2):
64 Climate-related disclosures
72 Risk overview
75 Top and emerging risks
76 Non-financial information statement
78 Governance at a glance
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.
The Strategic report for the year
ended 31 December 2021 set out
on pages 1 to 79 of this doucment
was approved by the Board of
directors on
17 February 2022.
80 Governance
172 Risk and capital management</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g003.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Thrive
Together
NatWest Group champions potential,
helping people, families and businesses
to&#xA0;thrive.
We are the UK&#x2019;s leading business bank,
and we serve 19 million customers
across every region of the UK.
As a relationship bank for a digital world,
we are helping to break down barriers
that hold back our customers and we are
helping to build their financial confidence.
Because when people, families and
businesses thrive, we all&#x2026;
NatWest Group plc &#x2013; Annual Report on Form 20-F 175
NatWest Group plc &#x2013; Annual Report on Form 20-F 1 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g004.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">2021
(9,280)
(7,858)
(7,758)
2020 2019 2021
2.7
0.4
3.8
2020 2019
2021
3,983
(481)
4,032
2020 2019 2021
3,136
(753)
2,950
2020 2019 2021
4,707
2,650
2,754
2020 2019
Financial performance
Financial strength
enables our purpose
Operating
profit/(loss)
before tax &#xA3;m
Operating
expenses &#xA3;m
Profit/(loss)
attributable
to ordinary
shareholders &#xA3;m
Total capital
return to
shareholders
(paid and
proposed) &#xA3;bn
1 Jan 2021
2022
16.2
18.5
18.2
15.9
2020 2019
CET1
ratio %
A net impairment release of &#xA3;1,278 million reflects the low levels
of&#x202F;realised losses we have seen across the year. Total impairment
Operating
profit before
impairment
losses &#xA3;m
On 1 January 2022, the proforma CET1 ratio was 15.9% including the
impact of regulatory RWA inflation, 200 basis points, the removal of the
software development costs capital benefit, 20 basis points, and the
tapering of IFRS 9 transitional relief, 10 basis points. RWAs increased
by&#x202F;&#xA3;18.8 billion, including &#xA3;14.8 billion associated with mortgage risk
weight changes.
(1)  Total expenses excluding litigation and conduct costs, strategic costs, operating lease depreciation (OLD) and Ulster Bank RoI direct costs.
NatWest Group plc &#x2013; Annual Report on Form 20-F 2
Total operating expenses of &#xA3;7,758 million were &#xA3;100 million, or 1.3%,
lower compared with 2020. We delivered a cost reduction of &#xA3;256
million, or 4.0%, in 2021, in line with our target for the year(1). This has
been achieved by transformation across our customer journeys and
NWM business, in line with the strategic announcement made in
February 2020 and a &#xA3;68 million reduction in the bank levy charge.
Strategic costs of &#xA3;787 million included &#xA3;237 million in NWM related to
transformation, &#xA3;124 million of redundancy charges, &#xA3;88 million of
technology spend, and an &#xA3;85 million goodwill impairment.
Net loans to customers were &#xA3;1.5 billion, or 0.4%, lower compared with
2020. Across the UK and RBSI retail and commercial businesses, and
excluding UK Government support schemes, net lending increased by
2.6%. Mortgage growth exceeded the market, however commercial
lending was behind market as we have sought to reduce certain
exposures, through targeted sector reductions and capital actions, whilst
continuing to focus on supporting customers through sustainable lending.
During the second half of the year we completed &#xA3;8.1 billion Climate and
Sustainable Funding and Financing against our &#xA3;100 billion target.
We have delivered a strong operating performance in 2021. Group
RoTE was 9.4%, benefiting from a &#xA3;1.3 billion net impairment release.
Total operating expenses of &#xA3;7,758 million were &#xA3;100 million, or 1.3%,
lower compared with 2020. We achieved our Group cost reduction
target of 4.0% (excluding litigation and conduct costs, operating lease
depreciation and Ulster Bank RoI direct costs). Net loans to customers
were &#xA3;1.5 billion, or 0.4%, lower compared with 2020. Lending growth
 across our UK and RBSI retail and commercial businesses
was 2.6%, excluding UK Government financial support schemes. Our
capital and liquidity position remains strong after returning &#xA3;3.8 billion
to shareholders, and default levels have remained low across all our
portfolios. The CET1 ratio was 18.2%, reducing to 15.9% on 1 January
2022 following regulatory RWA and capital changes. We have made
good progress on our phased withdrawal from the Republic of Ireland
and will focus the financial commentary below on the Group excluding
Ulster Bank RoI (Go-forward group).
Total income was &#xA3;4 million higher compared with 2020. Total
income, excluding notable items, in the Go-forward group
was 5.6% lower than prior year. Across the UK and RBSI retail
and commercial businesses income increased by 1.4% reflecting
strong balance sheet growth, principally in our mortgage book. NWM
income was below expectations, down by 61.5%, compared with 2020,
reflecting continued weakness in Fixed Income, impacted by subdued
levels of customer activity and ongoing reshaping of the business, and
exceptional levels of market activity in 2020.
provisions reduced by &#xA3;2.4 billion to &#xA3;3.8 billion during 2021 and
as a result ECL coverage ratio decreased from 1.66% in 2020 to
1.03% in 2021.
We are pleased to report a 2021 attributable profit of &#xA3;2,950 million,
through a
combination of ordinary dividends, directed buybacks of the UK
Government stake and our on-market buyback programme.

with earnings per share of 25.4 pence and a RoTE of 9.4%. A final
dividend of 7.5 pence per share is proposed, bringing our total 2021
paid and proposed capital distributions to &#xA3;3.8 billion
The CET1 ratio at 31 December 2021, remains strong at 18.2%, or
17.8% excluding IFRS 9 transitional relief. The 30 basis points reduction
in the year includes capital distributions of c.240 basis points, partially
offset by the reduction in RWAs, c.170 basis points, and the attributable
profit net of IFRS 9 transitional relief and other capital movements. RWAs
 of &#xA3;157.0 billion reduced by &#xA3;13.3 billion in 2021 mainly reflecting
business movements in Commercial Banking, including targeted sector
reductions, improvement in risk parameters and active capital
management.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g005.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Operational highlights
Operational highlights
2021 2020 2019
Growth
UK and RBSI retail and commercial businesses net lending excluding
UK Government support schemes 305.7bn &#xA3;297.9bn &#xA3;289.7bn
Gross new mortgage lending in Retail Banking 36.0bn &#xA3;31.5bn &#xA3;33.3bn
AUM Net New Money (NNM) &#xA3;3.0bn &#xA3;1.5bn  &#xA3;0.6bn
Percentage of customers using digital channels exclusively to interact with us
Retail Banking 60% 58% 46%
Commercial Banking 83% 82% 76%
Simplification
Reduction in other operating expenses &#xA3;256m &#xA3;277m &#xA3;310m
Artificial intelligence &#x2013; retail banking Cora conversations 10.7m 8.4m 5.4m
Video banking interactions per week 10,200 3,300 &lt;100
Capital
Directed buyback value &#xA3;1,125m &#x2013;&#x2013;
On-market buyback value &#xA3;676m &#x2013;&#x2013;
Dividend per share (paid and proposed) 10.5p 3p 14p
Risk-weighted assets (RWAs) 157.0bn 170.3bn 179.2bn
CET1 ratio 18.2% 18.5% 16.2%
As at 1 Jan 2022 15.9% &#x2013;&#x2013;
Return on tangible equity 9.4% (2.4%) 9.4%
NatWest Group plc &#x2013; Annual Report on Form 20-F 3
Read more about our strategic priorities on pages 18 and 19 of this document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g006.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Chairman&#x2019;s statement
For much of 2021, there was a
growing sense of cautious optimism
that we might finally have put the
worst of the COVID-19 pandemic
behind us. However, towards the end
of the year, our resilience was put to
the test once more as the spread
of&#x202F;new variants necessitated the
reintroduction of various restrictions.
That brought particular challenges for our colleagues,
our customers and for the bank itself. But it also presented
opportunities and NatWest Group&#x2019;s commitment to helping
people, families and businesses to thrive has never been
more important. We are building from extremely robust
foundations as a bank which holds strong market positions,
serving 19 million customers throughout the&#x202F;UK.
For the moment, a number of the key economic
indicators&#x202F;remain relatively positive &#x2013; growth has returned,
unemployment is low, and the bank is seeing little in the
way of significant defaults among its customers.
However, there is no doubt that the rising cost of living is
making life difficult for many. It seems certain that inflation
will continue to increase in the short term at least &#x2013; especially
as energy prices remain high. And we are yet to see the full
impact that the end of government support schemes will have
on the employment or housing markets. The uncertainty is not
just COVID-19-related, with global, European and domestic
political considerations also having an impact.
The Bank of England&#x2019;s response has been limited so far and
while the market is anticipating a continued trajectory of
rate&#x202F;rises over the next twelve months, the low interest
rate&#x202F;environment is set to persist for some time to come.
Building a
purpose-led bank
to champion
potential
We champion potential; breaking
down barriers and building financial
confidence so the 19 million people,
families and businesses we serve
in&#x202F;communities up and down the
country&#x202F;can rebuild and thrive.
Howard Davies
Chairman
NatWest Group plc &#x2013; Annual Report on Form 20-F 4 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g007.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">&#x2018;The extensive support that the bank has provided to
its customers, colleagues and communities throughout
the&#x202F;pandemic was a key focus for the Board in 2021. We
also spent a significant amount of time ensuring that the
implementation of the bank&#x2019;s strategy and transformation
agenda was subject to rigorous oversight and scrutiny.&#x2019;
Against that backdrop, NatWest Group delivered a strong
financial performance in 2021, returning to profitability
and writing-back some of our pandemic-related impairment
provisions as the economic outlook improved. The bank&#x2019;s
share price also saw a sharp recovery throughout the year,
increasing around 35% and outperforming our UK peers.
As our economy recovers and is reshaped to reflect new&#x202F;and
accelerating trends, we are focused on delivering sustainable
growth by creating deeper relationships with our customers
and giving them the support they need at every stage of their
lives &#x2013; whether that is buying a house, saving for retirement
or&#x202F;setting up and growing their own business.
The UK banking industry as a whole has held up well
during the pandemic, remaining open for business and
well capitalised. NatWest Group retains one of the strongest
capital ratios among major European banks and we once
again comfortably passed the Bank of England&#x2019;s stress test
in December 2021, further demonstrating the resilience of
our&#x202F;balance sheet to future crises. This, combined with our
continued capital generation, means our bank is well placed
to support its customers, invest for growth and drive
sustainable returns to shareholders.
&#xA3;3.8 billion shareholder distributions were announced for
the&#x202F;financial year 2021, through buybacks &#x2013; both directed and
on-market &#x2013; and dividends. We also announced that we would
distribute at least &#xA3;1 billion in dividends each year to 2023 as
we continue to optimise our capital ratio.
UK Government Investments (UKGI), which manages
the&#x202F;government&#x2019;s shareholding, announced three separate
transactions during the course of 2021: the directed buyback
by NatWest Group; an on-market placement of shares; and an
ongoing trading plan. The government stake reduced from 62%
at the start of 2021, to less than 53% by the end of the year.
&#xA3;3.8 billion
(paid and proposed)
shareholder distributions
announced for 2021
Final dividend of
7.5p per share
This was welcome progress. And we may take part in
further&#x202F;directed buybacks at the next opportunity, subject to
agreement from HM Treasury. Any transaction of this nature
could take the government&#x2019;s shareholding below 50% for the
first time since the financial crisis. And while that would have
little impact on our governance or operations, it would be an
important symbolic moment for our bank.
NatWest Group&#x2019;s financial performance has also been reflected
in the bonus pool for 2021, which has increased from the
previous year, where a significant reduction was made to reflect
our COVID-19-related losses. It is important to note, however,
that the bonus pool is slightly down on pre-pandemic levels.
It has been a period of relative stability in terms of Board
composition, with no changes to our membership in 2021.
As you would expect, we keep the composition, skills and
experience of the Board under review, and over the next
year or so we will need to recruit new members to cope
with planned retirements. In the main, the Board continued
to meet virtually throughout 2021. For 2022, we intend to
adopt a hybrid calendar with some meetings being held
virtually and some meetings in person, subject to relevant
government guidelines. Our virtual meeting technology has
served us well during the pandemic and we will continue to use
it to support the efficient and effective running of the Board.
The extensive support that the bank has provided to its
customers, colleagues and communities throughout the
pandemic was a key focus for the Board in 2021. We
also&#x202F;spent&#x202F;a significant amount of time scrutinising the
implementation of the bank&#x2019;s strategy and transformation
agenda as well as enhancing our oversight of the bank&#x2019;s culture.
The progress that Alison Rose and her strong and capable
leadership team have delivered in the last two years has
helped to ensure that NatWest Group is well placed to succeed
and grow as the needs and expectations of our customers
evolve. We are delivering on our purpose, underpinned by
our&#x202F;strategic priorities, and as a result, generating long-term
growth for our business, playing a positive role in our
communities and driving sustainable returns to our
shareholders. We know that by championing the potential
of the 19 million people, families and businesses we serve,
we will help them to thrive. And if they thrive, so will we.
Howard Davies
Chairman
NatWest Group plc &#x2013; Annual Report on Form 20-F 173
NatWest Group plc &#x2013; Annual Report on Form 20-F 5
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a
result of the factors described in the Risk factors section on pages 136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer to
the forward-looking statements on page 1 of the Annual Report on Form 20-F. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g008.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Group Chief Executive&#x2019;s review
We champion
potential, helping
people, families,
and businesses
to thrive
Our future and our growth are
built on this one, clear purpose.
It&#x2019;s what drives us, defines us,
and&#x202F;guides us. Because getting this
right means success &#x2013; for ourselves
and for everyone we serve.
Alison Rose
Group Chief Executive Officer
NatWest Group&#x2019;s execution is
centred around our purpose,
driving sustainable growth through
our strategic priorities. We are a
relationship bank for a digital world,
building ever deeper and closer
connections with our customers
throughout their financial lives,
enabling&#x202F;people, families and
businesses to thrive.
As I look back on 2021, I&#x2019;m filled with admiration for
the&#x202F;resilience and adaptability that our colleagues and
customers have demonstrated during the pandemic. Faced
with unprecedented and constantly evolving challenges to the
UK&#x2019;s public health and economy, the collective response has
been nothing short of extraordinary.
As it has been throughout the pandemic, the health and
well-being of our colleagues and customers continues to be
our highest priority. In particular, for the key workers who
have remained in our offices and branches to provide the
level of service and support our customers have needed
to rebuild and thrive.
NatWest Group is the UK&#x2019;s leading business bank. It is also
a truly regional bank, serving 19 million customers throughout
the UK. We are proud of the role we play and the relationships
we already have across every part of the country. And we are
well positioned to deepen these relationships and to help our
customers, our economy and our bank to grow because
of the actions we have taken in recent years.
Thrive together
In spite of the difficult economic environment and the pressure
this continues to place on people, families and businesses up
and down the country, the UK remains an attractive and
entrepreneurial market, with small and medium-sized
enterprises (SMEs) driving around half of UK turnover and
employing 60% of the private sector workforce. It&#x202F;is also
an increasingly competitive market, where banks have
to maintain their relevance to earn their growth.
As the economy starts to recover and grow, customers&#x2019;
expectations of banks are changing faster than ever. So too
is&#x202F;the way people live and work. Customers want&#x202F;a simple,
NatWest Group plc &#x2013; Annual Report on Form 20-F 6</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g009.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Climate Learning Enterprise
Supporting customers at
every stage of their lives
Simple to deal with
Sharpened capital
allocation
Powered by innovation
and partnerships
These help us make a meaningful
contribution to society while balancing
the needs of our customers, colleagues
and shareholders
Our initial areas of focus
We champion potential, helping
people, families and businesses
to thrive
Our purpose
Our strategy
engaging experience, designed to anticipate particular needs
and reflect their priorities, just as they have in other areas of
their lives.
When I first took up my role as Chief Executive, we committed
to a purpose that guides all of our decision-making &#x2013; we
champion potential, helping people, families and businesses
to thrive. We also set out clear areas of strategic focus to
deliver on this purpose in order to drive sustainable returns
for our shareholders and build sustainable value in our bank.
We are executing well against these areas of focus, delivering
growth in key areas while controlling costs, better allocating
our capital and accelerating our digital transformation.
As a relationship bank for a digital world, our focus now is
on the opportunities we see for future growth. It is a simple
principle: if our customers and economy thrive, so will we.
Sustainable growth will come from ever closer and
deeper relationships with our customers at every stage
of their lives. Relationships that are based on insight and
shared goals, delivering a simpler customer experience
that removes complexity and frustration. Relationships
that reflect customers&#x2019; values and aspirations for themselves
and society. Relationships that start earlier in our customers&#x2019;
lives and which adapt to meet their evolving needs.
All of which will be enabled by the strategic partnerships
and acquisitions we have made, and by our efforts to simplify
how customers interact with our bank so they can enjoy
an easier, frictionless banking experience. It will also be
driven by a better allocation of our capital &#x2013; with &#xA3;3 billion
being invested in the business across a three-year period
from 2021 to 2023, in addition to the sustainable returns
we&#x202F;are delivering to shareholders.
NatWest Group plc &#x2013; Annual Report on Form 20-F 7</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g010.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Chief Executive&#x2019;s review continued
Delivering on our strategy
Of course, we are building from strong foundations. Our
operating profit for 2021 of &#xA3;4.0 billion (&#xA3;4.3 billion including
operating profit from discounted operations(1)) increased from a
loss of &#xA3;481 million (&#xA3;351 million loss including operating profit
from discounted operations(1)) the year before. This included
impairment releases of &#xA3;1.3 billion, which reflected the low
levels of realised losses we have seen across the year.
At the same time, our digital transformation accelerated
as our customers chose to interact with us in different ways.
Around 60% of our retail current account holders now
only&#x202F;interact with us digitally(1) and we have seen further
strong growth in mobile payments and video banking. This
digitalisation of customer journeys is crucial to our future
growth, and our Net Promoter Scores are improving in key
segments as a result. For example, our much-improved
online&#x202F;process for renewing mortgages now takes as little
as&#x202F;10 minutes.
We are also using our digital capabilities to keep our customers
safe and to build their financial capabilities, with credit scoring
now available in our app, dedicated support lines available
for customers in vulnerable situations and more than 1 million
customers growing their savings with us by &#xA3;100 or more
for the first&#x202F;time.
Committed to
embedding ESG
principles and
leading on
climate&#x202F;action.
(1)  Go-forward group excludes Ulster Bank RoI.
(2)  Income excluding notable items.
(3)  Between 1 July 2021 and the end of 2025.
(4)  Go-forward group other operating expenses defined as total expenses excluding litigation and conduct costs.
(1)  Refer to the Non-IFRS financial measures section for details of the basis of preparation and reconciliation of Non-IFRS financial and performance measures.
(2)  Retail Banking current account customers only based as at 31 December 2021 &#x2013; metric is 87% of our retail customer needs are now met digitally, with 60% of our customers banking
entirely digitally. Only activity in the last quarter is considered.
A purpose-led company
with clear strategic
priorities, strong market
positions and capacity
to grow.
Supporting
19&#x202F;million customers
throughout the UK.
Investing in our
digital proposition
to better serve
customers and
reduce cost.
Underpinned by
a robust balance
sheet and
an&#x202F;intelligent
approach&#x202F;to risk.
Focused on generating
long-term sustainable
value and a return
on&#x202F;tangible equity
of&#x202F;comfortably above
10% for the Group
in&#x202F;2023.
Accelerating
growth
Provide an
additional
&#xA3;100 billion
of&#x202F;Climate and
Sustainable
Funding and
Financing.(3)
Simplification via
digital and
technology
~3% cost reduction
per annum through
to 2023.(1,4)
Disciplined
deployment of
capital
CET1 ratio of
13-14% by 2023,
~14% by the end
of 2022.
Long-term
sustainable returns
and distributions
Intention to
distribute a
minimum of &#xA3;1
billion in each of
2022 and 2023.
Capital generative
business enabling
us to reinvest for
growth and return
excess to investors.
Our investment case: delivering against our strategic priorities to help our customers
to thrive and drive sustainable returns for shareholders
As the UK&#x2019;s leading business bank and a committed champion
ses,
especially those led by under-represented groups. During the
pandemic, we pivoted this support for entrepreneurs to be
delivered digitally, as we did with our &#x2018;Dream Bigger&#x2019;
programme which helps 16&#x2013;18-year-old girls develop

of start-ups, we are removing barriers to enterprise, tackling
inequality and supporting growth by helping entrepreneurs
achieve their ambitions. We offer the UK&#x2019;s largest fully funded
business accelerator network, with accelerator hubs across
the country providing support for high-growth busines
Income excluding
notable items to be
above &#xA3;11.0 billion
in 2022 in the
Go-forward group.(1,2)
NatWest Group plc &#x2013; Annual Report on Form 20-F 8
We also continued to make progress against our other financial
targets. Net loans to customers were &#xA3;1.5 billion, or 0.4%,
lower compared with 2020. The bank&#x2019;s net lending &#x2013; excluding
government schemes &#x2013; grew by &#xA3;7.8 billion in 2021, primarily
driven by growth in mortgages. Total operating expenses of
&#xA3;7,758 million were &#xA3;100 million, or 1.3%, lower compared
with 2020. We removed a further &#xA3;256 million of costs
(excluding litigation and conduct costs, operating lease
depreciation and Ulster bank RoI direct costs) from the
business and retain a capital ratio well above our target range.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g011.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">transferable entrepreneurial skills. We also helped create
the&#x202F;SME Transformation Taskforce to unlock the growth
opportunity for the UK economy, identified in our
&#x2018;Springboard&#x202F;to Sustainable Recovery&#x2019; report.
Turning to our own business, the capital restructuring of
NatWest Markets has made substantial progress. It is simpler,
less capital intensive and better able to create opportunities for
our commercial customers by meeting their financing and risk
management needs, and by providing access to global markets
as well as leadership in high-growth areas, such as the green
and sustainable bond markets. As a result, we are creating
a new franchise called Commercial and Institutional by
bringing together our Commercial Banking, NatWest Markets
and RBS International businesses. The creation of this new
franchise is a further step in removing complexity and
becoming a simpler bank for customers to deal with.
We continue to make good progress on our phased withdrawal
from the Irish market, minimising job losses and protecting
services while supporting our customers and colleagues to
allow a smooth transition. During the year, we signed two
agreements with Allied Irish Banks p.l.c. (AIB) and Permanent
TSB p.l.c. (PTSB) which account for about 60% of the
Ulster Bank loan book in the Republic of Ireland, including
the transfer of colleagues, wholly or mainly supporting
the relevant portfolios and 25 branch locations.
These structural changes, along with our strong capital
position and continued capital generation, mean that we
are&#x202F;well placed to invest for growth, to provide the support
our&#x202F;customers need as the economy recovers and to drive
sustainable returns to shareholders, with &#xA3;3.8 billion
shareholder distributions announced for 2021 through
dividends and buybacks.
The bank&#x2019;s financial performance in 2021 also included a fine
following breaches of the Money Laundering Regulations 2007.
NatWest Group takes its responsibility to prevent and detect
financial crime extremely seriously. We deeply regret that we
failed to adequately monitor one of our customers between 2012
and 2016 to prevent money laundering. And while the case has
now come to an end, we continue to invest significant resources
in the ongoing fight against financial crime and&#x202F;fraud.
We are delivering our strategy through four strategic
priorities,&#x202F;with the aim of driving long-term sustainable
value&#x202F;and delivering on our 2023 targets, which we are
now&#x202F;updating. In&#x202F;2022, we expect to deliver income excluding
notable items of above &#xA3;11.0 billion in the Go-forward group(1,2).
We are amending our cost reduction target to around 3% per
annum for 2022 and 2023(2,3), reflecting higher inflation and our
ongoing investment in the business. Nevertheless, we maintain
a strong focus on continued cost discipline. We retain our 2023
CET1 ratio of 13&#x2013;14%, and we have upgraded our return on
tangible equity target in 2023 to comfortably above 10% for
the&#x202F;Group.
Tackling climate change
One key area where our bank has a critical role to play is
in helping to tackle climate change. It is the biggest challenge
we face as a society, requiring collaboration and co-operation
on a global scale, and NatWest Group was proud to sponsor
the COP26 global climate conference which took place in
Glasgow in October/November 2021.
Our industry has a responsibility to drive and influence positive
change. As such, NatWest Group is committed to getting its
own house in order, bringing to an end the most harmful
activity and providing the support, advice and products our
customers need in order to accelerate the transition to a
net-zero economy.
We are one of the few banks to offer a Green Mortgage product,
with &#xA3;728 million of lending to retail customers since its launch
in Q4 2020, and we established the Sustainable Homes and
Buildings Coalition with British Gas, Worcester Bosch and
Shelter to improve the energy efficiency of buildings in the UK.
Working with the fintech company CoGo, we were also the
first&#x202F;bank to introduce a carbon-tracking feature in our mobile
banking app. And we are helping colleagues and customers
to&#x202F;move to electric vehicles through a collaboration with
Octopus Energy.
Our Springboard to Sustainable Recovery report found that the
transition to net zero can create a huge opportunity for SMEs.
Close to 40% of our accelerator hubs are dedicated to supporting
sustainable businesses to help our most innovative start-ups to
take advantage of this opportunity. There is a clear societal
responsibility here, but also an obvious commercial imperative
in helping our customers to thrive as we transition to net zero.
Building a culture to champion potential
In seeking to make a positive contribution to the communities we
serve, we are also building an open, inclusive and progressive
place to work, breaking down barriers for our customers and
for our colleagues.
We are a learning organisation and our culture is critical to our
future success. We have worked with our colleagues as well
as&#x202F;with our customers, suppliers and communities to create a
new set of values that reflect the organisation we are today.
Values that match the ambition, optimism and energy our
purpose has given us, and that we can all believe in.
This builds on the progress we have made in recent years as
we consider the needs of all our colleagues and stakeholders.
In 2021, we launched our global Talent Academy to help
identify and develop colleague potential, with almost 4,000
accepted onto the programme. We also offered mental health
workshops for our line managers and our 1,300 Wellbeing
Champions, as well as seeing strong take up of our virtual
GP&#x202F;and physiotherapy offers.
(1)  Income excluding notable items.
(2)  Go-forward group excludes Ulster Bank RoI.
(3)  Go-forward group other operating expenses defined as total of expenses less litigation and conduct
NatWest Group plc &#x2013; Annual Report on Form 20-F 9</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g012.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Chief Executive&#x2019;s review continued
Alison Rose talks about the
legacy of COP26 and NatWest
Group&#x2019;s continued commitment
to help reach the 2015 Paris
Agreement goals.
Climate change in
conversation
What did it mean for NatWest Group
to be a principal partner of COP26?
Firstly, it was a huge honour. As one of the UK&#x2019;s
biggest banks &#x2013; and indeed the biggest for business
&#x2013; we have both the ability and the responsibility to
take a major role in the fight against climate change.
We wanted to achieve two things at the conference:
to demonstrate how we can support our customers;
and to ensure that we play a leading role in the
global coalition of financial services organisations
tackling climate change.
We know the financial sector is a key enabler in
the&#x202F;drive towards net-zero emissions, so we invited
our customers to&#x202F;COP26 and held events that
explained the huge opportunity that climate change
can bring to businesses. We formed alliances to help
customers &#x2018;green&#x2019; their homes, and collaborated with
organisations such as CoGo to help our customers
understand their carbon footprint. In this sense,
we&#x202F;saw the conference as an incredible chance
to&#x202F;showcase and develop the practical support we
can offer our retail and business customers to lower
their emissions.
With regard to collaborative action, we signed
up to the UK Government&#x2019;s joint declaration on
accelerating the transition to 100% zero emission
vehicles, as well as announcing that we will be one
of 27 new members of the Powering Past Coal
Alliance, to accelerate the global transition from
coal. This follows on from our role as a founding
member of the Net Zero Banking Alliance and
becoming part of the new coalition of the Glasgow
Financial Alliance for Net Zero (GFANZ).
Outside the bank, we launched our &#x2018;CareerSense&#x2019; programme,
providing more than 8,200 young people with free access
to tools that will develop critical skills and support their
employability prospects. We were also recognised by
the &#x2018;Good Business Pays&#x2019; campaign for our commitment to
paying our suppliers the day after receiving an invoice, in
line&#x202F;with the Supplier Charter which we introduced in 2020.
In our top three layers globally, 38% of roles are currently filled
by female colleagues, a 9% increase since we first introduced
our target to have a full gender balance in these roles by 2030,
but a 1% decrease from 31 December 2020. We know we
have&#x202F;more to do and we continue to focus on the recruitment,
retention and advancement of women to meet our 2030 target.
In 2020, we launched the Racial Equality Taskforce to listen,
learn and better understand the barriers faced by colleagues,
customers and communities from Black, Asian and Minority
Ethnic backgrounds. Of those who disclose their ethnicity,
we have an aggregate of 11% Black, Asian and Minority
Ethnic&#x202F;colleagues in our top four layers in the UK; a 3%
increase since our 14% target was first introduced in&#x202F;2018.
Living up to our purpose
Over the coming years, we will create a closer and deeper
relationship with the people, families and businesses that
we serve throughout the UK. From teenagers to retirees,
from newlyweds to new homeowners and from start-ups
to the largest multinationals, we will understand them
better,&#x202F;provide more value to them and help them to thrive.
By playing such a central role throughout the lives of our
customers, by taking action on the issues they care about
and by retaining their business as their needs and aspirations
change, our bank will go from strength to strength.
More than that, it will make a meaningful contribution to our
society, helping to grow and transition our economy as we
move towards net zero, sustainably growing our business
by living up to our purpose.
Alison Rose
Group Chief Executive Officer
NatWest Group plc &#x2013; Annual Report on Form 20-F 10
The guidance, targets, expectations and trends discussed in this section represent
NatWest Group plc's management current expectations and are subject to change,
including as a  result of the factors described in the Risk factors section on pages  136
to 157 of the Annual Report on Form 20-F. These statements constitute
forward-looking statements. Refer to  the forward-looking statements on page 1 of
the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g013.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">You mention the financial sector
is a key enabler, how can banking
make a difference?
Banks have a vital role to play &#x2013;
by providing customers with access
to the necessary finance, expertise
and products, there is the chance
to drive real, positive change.
Importantly, I believe this is not only
good for the planet, but good for business
too. Our &#x2018;Springboard to Sustainable
Recovery&#x2019; report clearly highlights this.
The report shows that small and medium-
sized enterprises (SMEs) can deliver
a significant amount of the UK&#x2019;s
abatement targets, if they get the
right support. And this, we believe,
is a huge opportunity for businesses.
Demand for the financing to make this
happen is already significant. In 2020,
we set out to provide &#xA3;20 billion of Climate
and Sustainable Funding and Financing over
two years. I am delighted that we met this
initial target in under 18 months, so in October
2021 we committed to an ambitious new goal
of&#x202F;providing an additional &#xA3;100 billion of Climate
and Sustainable Funding and Financing between
1 July 2021 and the end of 2025.
Education and guidance are also key, which is why
we worked with fintech company CoGo in 2021 to
introduce a carbon-tracking feature in our mobile banking
app helping retail customers reduce the climate impact
of their spending. We are also working on similar pilot
schemes&#x202F;for our business customers.
What do you think will be the biggest
legacies of COP26?
I think history will judge COP26 as the point when
serious, collective climate action began across all
industries and all countries. In particular, it showed
the private sector starting to act together and at scale:
putting their own houses in order; taking action on
deforestation and biodiversity loss; and focusing on
the opportunities of the transition to net zero.
Most of all though, as 100,000 activists walked the
streets of Glasgow, it felt like a rallying call to embed
climate in all our decisions. Time will tell, but I hope
that COP26 will be remembered as the moment
where&#x202F;climate change truly became a global priority.
NatWest Group plc &#x2013; Annual Report on Form 20-F 11
Read more about our Climate-related
disclosures on pages 64 to 71 of this
document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g014.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our purpose framework
A relationship bank
for a digital world
We champion potential, helping people,
families and businesses to thrive
We are guided by
our purpose
Delivering long-term sustainable value and
attractive returns, now and for the next generation
Focused on growth, underpinned by our values
and an intelligent approach to risk:
We are informed
by the needs of our
stakeholders Customers
Colleagues
Regulators
We have four
strategic priorities&#x2026;
&#x2026;creating a positive
impact through our
areas of focus Climate Enterprise Learning
Supporting
customers at every
stage of their lives
Communities
Investors
Suppliers
Simple to
deal with
Sharpened capital
allocation
Powered by
innovation and
partnerships
NatWest Group plc &#x2013; Annual Report on Form 20-F 12
Read more on page 13 of this document.
Read more on pages 14-17 and 54-63 of this document.
Read more on pages 18-19 of this document.
Read more on pages 30-31 of this document. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g015.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our purpose
NatWest Group champions potential, helping people, families
and businesses to thrive. Because when they thrive, so do we.
Our purpose guides and underpins everything we do.
It enables us to build long-term value, to invest for growth,
to make a positive contribution to society and to drive
sustainable returns for shareholders.
Our stakeholders
We aim to balance the different interests of our stakeholders &#x2013;
customers, investors, colleagues, communities, regulators and
suppliers &#x2013; in all our decision-making, especially when there
are difficult choices to be made. We also recognise the need
for transparency and openness, regularly engaging and
seeking the views of our stakeholders.
Our blueprint for better business
Our strategy
We are a relationship bank for a digital world. Our strategy
for growth delivers on our purpose and drives sustainable
returns to shareholders through four strategic priorities:
we will support our customers at every stage of their lives;
we will be powered by innovation and partnerships as we
accelerate our digital transformation; we will be simple
to deal with; and we will allocate our capital in a way
that delivers for customers and shareholders.
Our values
Our values are at the heart of how we deliver our purpose-led
strategy. In 2021, responding to feedback from stakeholders,
we engaged with colleagues, customers and communities to
re-envision a modernised set of values that fully align with our
strategic priorities. These collaborative and evolved values
will&#x202F;be launched in 2022 and will form an integral part of
our&#x202F;cultural identity.
Our positive impact
We recognise the huge responsibilities that our role
brings &#x2013; from supporting the day-to-day financial needs
of 19 million customers, to the positive impacts we can have
on&#x202F;the environment and wider society.
We have identified three focus areas where we can make
a&#x202F;meaningful contribution and build long-term value in
our&#x202F;business:
Climate
We have made addressing the climate challenge and
supporting our customers in their transition to net zero
a key strategic priority.
Enterprise
We are committed to removing barriers to enterprise and
providing businesses in the UK the support they need to&#x202F;grow.
Learning
We are helping people to take control of their finances,
to make the most of their money, safely and securely &#x2013;
now and in the future.
Our robust balance sheet, strong capital position and capital
generative businesses mean we are well placed to support our
customers and invest for growth, as well as driving sustainable
returns to shareholders and creating long-term value for all
our stakeholders.
Honest and fair
with&#x202F;customers and
suppliers
A responsible and
responsive employer
A good citizen
A guardian for
future&#x202F;generations
Our purpose:
Deliver long-term
sustainable
performance by
championing potential,
helping people, families
and businesses to thrive
NatWest Group plc &#x2013; Annual Report on Form 20-F 13 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g016.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our stakeholders
Stakeholder
engagement
Our business is made up of a network of relationships. Listening, engaging
and partnering with stakeholders helps us to address our business impacts
and improve outcomes for customers, society and the environment. Below,
we highlight who our key stakeholders are and some examples of how we
collaborate with them to create value.
How we engaged What we discussed Outcome of engagements Challenges we faced
Customers &#x2013; the people and businesses we serve (*) Within the scope of EY assurance. Refer to page 78
  &#x2013; Face to face with retail customers via branches, mobile
branches and with our community bankers. Also, through
our&#x202F;video banking, telephony and secure messaging services.
  &#x2013; Customer surveys including Net Promoter Scores (NPS),
syndicated surveys, focus groups and listening sessions.

  &#x2013; Complaints.
  &#x2013; With businesses, through Bankline for our business and
commercial customers; our Accelerator, Business Builder
and&#x202F;Digital Boost programmes; and our Banking on Business
Surveys, polls and discussions.
  &#x2013; We support customers with their financial wellbeing, goals
and plans, our products and services, and with advice on
how to avoid fraud and scams.
  &#x2013; Customer experience and satisfaction, climate change
(including COP26), problem debt and financial distress, our
youth proposition, and building thriving local communities.
  &#x2013; Examples included service quality, and processes such
as&#x202F;fraud blocking and customer due diligence.
  &#x2013; COVID-19, Brexit, support for small and medium-sized
enterprises (SMEs), removing barriers to enterprise,
UK&#x202F;Government&#x2019;s Levelling Up agenda, transition to a&#x202F;net-
zero economy.
  &#x2013; In 2021 we delivered 6.1 million(*) financial capability interactions and helped
470,813(*) additional customers start to save. We helped 111,895 people to
identify scams and know where to go to get help in 2021.
  &#x2013; In terms of customer advocacy in 2021, NPS for Retail Banking improved by six
points for NatWest and seven points for Royal Bank of Scotland. In Commercial
Banking, NatWest maintained a leading score in the market while Royal Bank
of&#x202F;Scotland is one of the leading brands &#x2013; refer to page 56 for full details.
  &#x2013; Complaints provided us with the opportunity to improve our journeys for
customers and enhance colleague capability.
  &#x2013; Our Digital Boost collaboration has supported SME recovery and helped
drive&#x202F;inclusive economic growth. We have committed to support Digital Boost
to offer expertise to 500,000 women and 200,000 people from ethnically
diverse&#x202F;backgrounds.
Several customers reached out to us
expressing their dissatisfaction at the
closure of their local branch.
The way people bank with us has
changed dramatically in recent years,
with an increased demand for mobile
and online services as customers benefit
from a faster and easier way to bank.
However, we still have more than 800
branches open and 16,000 physical
points of presence including our ATM
network and our relationship with the
Post Office.

Closing a branch is a decision we take
very seriously &#x2013; we know it can affect
people who are less confident with the
alternatives we offer. We will strive to
guide those customers through the
changes and find the best way to
serve&#x202F;them from now on.
  &#x2013; Customer engagement programme for
non-executive directors.
  &#x2013; Customer feedback videos.
  &#x2013; Customer experience and how our customers think about us.
  &#x2013; Changing customer behaviours and product feedback.
  &#x2013; Non-executive directors were able to observe customer-facing colleagues in
action and to hear customer feedback as part of a focus group or customer
listening surgery.
  &#x2013; Feedback videos were shown to NatWest Group Board as part of the
annual&#x202F;Board strategy session and provided useful insights to help inform
Board&#x202F;discussions.
Colleagues &#x2013; the people who deliver our purpose
  &#x2013; Our View opinion survey.
  &#x2013; Wellbeing Champions, Inclusion Champions, Our Colleague
Experience Squad and employee-led networks.

  &#x2013; Team meetings, town halls and all-colleague webinars.

  &#x2013; Junior Management Team (JMT).
  &#x2013; Our View asks for colleague opinion on topics such as
purpose, wellbeing, inclusion, leadership and reward.
  &#x2013; Our colleague representative groups are passionate
about&#x202F;advancing topics that influence our culture, such
as&#x202F;wellbeing; new ways of working; diversity, equity
and&#x202F;inclusion; colleague capability; and remuneration.
  &#x2013; Several of the above topics, plus our sustainability aims.

  &#x2013; The JMT mirrored the size and shape of the executive
leadership team, and supported several strategic goals.
  &#x2013; Our View September 2021 survey results showed that overall colleague
sentiment remains strong, despite the impact of the pandemic.
  &#x2013; Our c.1,300 Wellbeing Champions supported and amplified our wellbeing
strategy, signposting colleagues to the right resources at the right time.
We&#x202F;continued to support our c.24,000 participant employee-led networks,
who&#x202F;empowered colleagues and helped to create an inclusive workplace.
  &#x2013; In 2021, we transformed our approach to mandatory diversity, equity and inclusion
learning. With help from some of our c.1,500 Inclusion Champions, we created an
e-Learning module featuring videos focusing on lived experiences of colleagues.
  &#x2013; The JMT created Mystery Meetups &#x2013; an initiative that encourages connections
across NatWest Group, promoting wellbeing and a one-bank mentality.

Over 46,700 colleagues (81%)
participated in our September 2021
Our&#x202F;View survey. Despite colleague
sentiment on culture, purpose, inclusion
and building capability remaining strong,
scores in the reward category have
declined since 2020, but remain aligned
with the Global Financial Services Norm
(GFSN) in all but one question. We will
seek to address this, subject to
performance, in 2022.
Across all 15 measured categories,
NatWest Group is an average of 11
percentage points above the GFSN
and&#x202F;five percentage points above the
Global High Performance Norm (GHPN).
  &#x2013; Colleague Advisory Panel.

  &#x2013; Board and Group Sustainable Banking Committee (SBC)
talent sessions with potential Group Executive Committee
(ExCo) successors.
  &#x2013; Wellbeing, remuneration (including executives and
the&#x202F;wider workforce), climate, retail banking strategy,
sustainability and purpose.
  &#x2013; Board: customer behaviour and purpose, sustainability
and climate.
  &#x2013; SBC: how we can continue to support, build relationships,
and grow within the communities we serve.
  &#x2013; The Colleague Advisory Panel continued to provide an important
two-way communication channel between the Board and colleagues
on key topics of interest.
  &#x2013; Executive talent sessions helped our non-executive directors get to know
potential future leaders, through focused debates on strategic topics.
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 14 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g017.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">How we engaged What we discussed Outcome of engagements Challenges we faced
Customers &#x2013; the people and businesses we serve
  &#x2013; Face to face with retail customers via branches, mobile
branches and with our community bankers. Also, through
our&#x202F;video banking, telephony and secure messaging services.
  &#x2013; Customer surveys including Net Promoter Scores (NPS),
syndicated surveys, focus groups and listening sessions.

  &#x2013; Complaints.
  &#x2013; With businesses, through Bankline for our business and
commercial customers; our Accelerator, Business Builder
and&#x202F;Digital Boost programmes; and our Banking on Business
Surveys, polls and discussions.
  &#x2013; We support customers with their financial wellbeing, goals
and plans, our products and services, and with advice on
how to avoid fraud and scams.
  &#x2013; Customer experience and satisfaction, climate change
(including COP26), problem debt and financial distress, our
youth proposition, and building thriving local communities.
  &#x2013; Examples included service quality, and processes such
as&#x202F;fraud blocking and customer due diligence.
  &#x2013; COVID-19, Brexit, support for small and medium-sized
enterprises (SMEs), removing barriers to enterprise,
UK&#x202F;Government&#x2019;s Levelling Up agenda, transition to a&#x202F;net-
zero economy.
  &#x2013; In terms of customer advocacy in 2021, NPS for Retail Banking improved by six
  &#x2013; Complaints provided us with the opportunity to improve our journeys for
customers and enhance colleague capability.
  &#x2013; Our Digital Boost collaboration has supported SME recovery and helped
drive&#x202F;inclusive economic growth. We have committed to support Digital Boost
to offer expertise to 500,000 women and 200,000 people from ethnically
diverse&#x202F;backgrounds.
Several customers reached out to us
expressing their dissatisfaction at the
closure of their local branch.
The way people bank with us has
changed dramatically in recent years,
with an increased demand for mobile
and online services as customers benefit
from a faster and easier way to bank.
However, we still have more than 800
branches open and 16,000 physical
points of presence including our ATM
network and our relationship with the
Post Office.

Closing a branch is a decision we take
very seriously &#x2013; we know it can affect
people who are less confident with the
alternatives we offer. We will strive to
guide those customers through the
changes and find the best way to
serve&#x202F;them from now on.
  &#x2013; Customer engagement programme for
non-executive directors.
  &#x2013; Customer feedback videos.
  &#x2013; Customer experience and how our customers think about us.
  &#x2013; Changing customer behaviours and product feedback.
  &#x2013; Non-executive directors were able to observe customer-facing colleagues in
action and to hear customer feedback as part of a focus group or customer
listening surgery.
  &#x2013; Feedback videos were shown to NatWest Group Board as part of the
annual&#x202F;Board strategy session and provided useful insights to help inform
Board&#x202F;discussions.
Colleagues &#x2013; the people who deliver our purpose
  &#x2013; Our View opinion survey.
  &#x2013; Wellbeing Champions, Inclusion Champions, Our Colleague
Experience Squad and employee-led networks.

  &#x2013; Team meetings, town halls and all-colleague webinars.

  &#x2013; Junior Management Team (JMT).
  &#x2013; Our View asks for colleague opinion on topics such as
purpose, wellbeing, inclusion, leadership and reward.
  &#x2013; Our colleague representative groups are passionate
about&#x202F;advancing topics that influence our culture, such
as&#x202F;wellbeing; new ways of working; diversity, equity
and&#x202F;inclusion; colleague capability; and remuneration.
  &#x2013; Several of the above topics, plus our sustainability aims.

  &#x2013; The JMT mirrored the size and shape of the executive
leadership team, and supported several strategic goals.
  &#x2013; Our View September 2021 survey results showed that overall colleague
sentiment remains strong, despite the impact of the pandemic.
  &#x2013; Our c.1,300 Wellbeing Champions supported and amplified our wellbeing
strategy, signposting colleagues to the right resources at the right time.
We&#x202F;continued to support our c.24,000 participant employee-led networks,
who&#x202F;empowered colleagues and helped to create an inclusive workplace.
  &#x2013; In 2021, we transformed our approach to mandatory diversity, equity and inclusion
learning. With help from some of our c.1,500 Inclusion Champions, we created an
e-Learning module featuring videos focusing on lived experiences of colleagues.
  &#x2013; The JMT created Mystery Meetups &#x2013; an initiative that encourages connections
across NatWest Group, promoting wellbeing and a one-bank mentality.

Over 46,700 colleagues (81%)
participated in our September 2021
Our&#x202F;View survey. Despite colleague
sentiment on culture, purpose, inclusion
and building capability remaining strong,
scores in the reward category have
declined since 2020, but remain aligned
with the Global Financial Services Norm
(GFSN) in all but one question. We will
seek to address this, subject to
performance, in 2022.
Across all 15 measured categories,
NatWest Group is an average of 11
percentage points above the GFSN
and&#x202F;five percentage points above the
Global High Performance Norm (GHPN).
  &#x2013; Colleague Advisory Panel.

  &#x2013; Board and Group Sustainable Banking Committee (SBC)
talent sessions with potential Group Executive Committee
(ExCo) successors.
  &#x2013; Wellbeing, remuneration (including executives and
the&#x202F;wider workforce), climate, retail banking strategy,
sustainability and purpose.
  &#x2013; Board: customer behaviour and purpose, sustainability
and climate.
  &#x2013; SBC: how we can continue to support, build relationships,
and grow within the communities we serve.
  &#x2013; The Colleague Advisory Panel continued to provide an important
two-way communication channel between the Board and colleagues
on key topics of interest.
  &#x2013; Executive talent sessions helped our non-executive directors get to know
potential future leaders, through focused debates on strategic topics.
Key ESG topics for our stakeholders
In 2021 we carried out an Environmental, Social and Governance (ESG) materiality assessment, involving a programme of
stakeholder engagement to deepen our understanding of the ESG topics that matter most to them. The findings guide our reporting
and decision-making, ensuring we remain focused on the right issues. While we have identified climate, enterprise and learning as
the three focus areas of our purpose where we can make a meaningful contribution, our 2021 assessment confirmed that our
stakeholders believe there are many other important ESG topics for NatWest Group to consider, particularly those related to
our&#x202F;core&#x202F;business responsibilities.
Read more about our ESG materiality assessment, including our methodology, in our 2021 Environmental,
Social and Governance Supplement.
How we engage
across&#x202F;the company
How we engage
at&#x202F;Board level
NatWest Group plc &#x2013; Annual Report on Form 20-F 15
 &#x2013; In 2021 we delivered 6.1 million financial capability interactions and helped
470,813 additional customers start to save. We helped 111,895 people to
identify scams and know where to go to get help in 2021.
For further information on how stakeholder considerations influenced the
Board&#x2019;s discussions and decision-making, refer to our section 172(1) statement
on pages 52 to 53 of this document, and our Corporate governance report on
page 86 of this document.
points for NatWest and seven points for Royal Bank of Scotland. In Commercial
Banking, NatWest maintained a leading score in the market while Royal Bank
of Scotland is one of the leading brands &#x2013; refer to page 56 of this document for
 full details.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g018.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our stakeholders continued
How we engaged What we discussed Outcome of engagements Challenges we faced
Communities &#x2013; the places where we have an impact (*) Within the scope of EY assurance. Refer to page 78
  &#x2013; We continued to engage with our charity relationships,
supporting them through Payroll Giving, colleague fundraising
and volunteering, and disaster and emergency appeals.
  &#x2013; We supported young people through the delivery of our
MoneySense and CareerSense programmes.

  &#x2013; NGOs, academia and think tanks.
  &#x2013; We discussed raising awareness of charitable donations,
and enabling employee volunteering and fundraising
opportunities through our Do Good Feel Good campaign.
  &#x2013; MoneySense gave financial advice to young people while
our CareerSense programme provided critical
employability skills &#x2013; especially to those from
underprivileged backgrounds.
  &#x2013; We discussed several climate-related topics, such as our
lending policies, Paris Alignment, biodiversity and COP26.
  &#x2013; Our direct community investment in 2021 amounted to &#xA3;7,266,818(*). Across all
of our fundraising and volunteering programmes, our colleagues have given
&#xA3;3,543,533 and 43,003 worktime volunteering hours.
  &#x2013; MoneySense has helped 10 million young people learn about money since it
was launched in 1994, and is currently supported by over 6000 active volunteer
colleagues. CareerSense has seen 8,200 pupil registrations since its launch in
June 2021.
  &#x2013; We sponsored COP26, published our first Nature and Biodiversity Statement,
and signed up to the Net Zero Banking Alliance and other commitments.
During 2021, the COVID-19 pandemic
resulted in NatWest Group temporarily
closing two popular volunteering
programmes &#x2013; MoneySense for Schools
and The Conservation Volunteers (TCV).
MoneySense for Schools remained
closed throughout 2021, though online
resources were still available. However,
due to the TCV programme being
delivered outdoors, in June we were
once again able to offer colleagues the
chance to do their bit to help nature
and&#x202F;biodiversity to thrive.
  &#x2013; The Chairman, Group CEO, Group CFO and selected
non-executive directors attended the COP26 Climate Summit
along with members of the executive team.
  &#x2013; Progress against our climate ambitions, goals and targets.
  &#x2013; Regulatory and investor expectations in relation to climate.
  &#x2013; Non-executive directors and the executive team spent time talking with
customers, colleagues and industry peers at a range of climate-focused events.
Suppliers &#x2013; where we source our goods and services
  &#x2013; Regular review meetings with key suppliers.
  &#x2013; Policy due diligence activity.
  &#x2013; Audit reviews.
  &#x2013; Environmental and ethical sustainability.
  &#x2013; Prompt payment.
  &#x2013; Risk management.
  &#x2013; In collaboration with key stakeholders, we completed the first review
of our Supplier Charter, which sets out our aims and expectations in
several key areas.
  &#x2013; We worked with EcoVadis &#x2013; a leading organisation providing third-party
evidence-based assessments of sustainability performance &#x2013; to measure our
own performance and that of our suppliers against the charter, enabling us
to&#x202F;identify social, environmental and ethical improvements.
Where suppliers that underwent the
EcoVadis assessment performed below
the global average, we know there is
more we can do to engage and support
them in improving their performance on
key sustainability topics.
To achieve this, we have put in place
a&#x202F;strategy for 2022 that aims to enable
our suppliers to improve and help us
cultivate a more responsible value chain.
  &#x2013; Business reviews (regular Board reports)   &#x2013; Regular updates on key supplier and partnership
relationships and initiatives being undertaken with them.
  &#x2013; Business review updates provided the Board with visibility on key supplier
activity and how this supported our purpose, strategy, financial performance
and climate ambitions.
Investors &#x2013; providers of the capital and funding that supports our business activities
  &#x2013; Investor spotlight sessions, presentations at industry
conferences and meetings with our senior management.
  &#x2013; These presentations provided a deep dive into key areas
of&#x202F;the business, progress to date and future priorities.
  &#x2013; Institutional investors and research analysts gained a deeper understanding of
our business and were able to ask questions of the wider management team.
COVID-19 restrictions presented a
challenge for the 2021 AGM. As a
solution to investors being unable to
attend the AGM, we held a virtual
shareholder event one week prior to
the&#x202F;AGM. Investors had the opportunity
to hear from Board members and ask
questions prior to voting on the AGM
resolutions. Answers and a recording of
the event were made available on our
website. Holding the event demonstrated
that engagement with investors is a
priority for the Board.
  &#x2013; The Chairman, Group CEO, and Group CFO took part in
a&#x202F;programme of engagement through quarterly results
presentations and 1-1 meetings with our largest investors.
  &#x2013; The Chairman, Group CEO, and other non-executive
directors represented the Board at three virtual shareholder
events with private shareholders.
  &#x2013; The Chairman and a number of non-executive directors
hosted a corporate governance forum for investors.
  &#x2013; Progress against strategic priorities, financial performance,
capital return policy, environmental, social and governance
topics, regulation and the macroeconomic environment.
  &#x2013; As above, plus a discussion around dividends and share
price performance, supporting enterprise and tackling
climate change.
  &#x2013; Board succession planning, diversity and inclusion, key
areas of Board focus, &#x2018;Say on Climate&#x2019; resolutions.
  &#x2013; The Chairman, Group CEO and Group CFO have an open dialogue
with&#x202F;institutional investors, updating investors on progress and keeping
the&#x202F;Board informed about their views and priorities throughout the year.
  &#x2013; Private shareholders also had the opportunity to raise any concerns directly
with Board members at our virtual shareholder events.
  &#x2013; Investors received an update on key corporate governance topics and the
Board heard their views on evolving practice for Say on Climate resolutions.
  &#x2013; We engaged in several regulatory consultations.   &#x2013; Alternative risk-free reference rates (to replace LIBOR).
  &#x2013; Credit risk.
  &#x2013; Cybersecurity.
  &#x2013; Historical conduct issues.
  &#x2013; Access to cash.
  &#x2013; COVID-19 support measures and recovery.
  &#x2013; Environmental, Social and Governance issues.
  &#x2013; We sent bilateral responses to material consultations or other requests for
comment/input issued by various government, regulatory and standard setting
bodies during 2021.
  &#x2013; We engaged with regulators during the policy proposal phase on several
occasions to help inform priorities &#x2013; examples included the independent review
of ring-fencing and proprietary trading and the FCA&#x2019;s proposals for a new
consumer duty.
In December 2021, NatWest Bank Plc
was fined &#xA3;264.8 million by the FCA for
three breaches of the Money Laundering
Regulations 2007. We deeply regret that
we failed to adequately monitor one of
our customers between 2012 and 2016
for the purpose of preventing money
laundering. We cooperated fully with
the&#x202F;FCA&#x2019;s investigation. As part of its
ongoing programme of investment in
its&#x202F;people, processes and technology,
NatWest Group&#x2019;s financial plans
already&#x202F;include over &#xA3;1 billion to
further&#x202F;strengthen financial crime
controls over the next five years.
  &#x2013; Prudential Regulation Authority (PRA) attendance at
July 2021 Board meeting.
  &#x2013; Non-executive directors engaged with regulators through
continuous assessment and proactive engagement meetings.
  &#x2013; PRA periodic summary meeting (PSM) outputs.
  &#x2013; Topics included strategy, financial performance, capital
distributions, Board and Committee priorities, Board
effectiveness, governance, risk and control environment,
financial crime and ring-fenced bank independence.
  &#x2013; The Board were able to hear directly from the PRA on the key messages in the
PRA&#x2019;s PSM letter, including regulator expectations for key areas of Board focus.
  &#x2013; Engagement meetings allowed the directors to understand the regulators&#x2019; key
areas of interest and provide them with direct feedback on those topics.
Regulators &#x2013; that we comply with in various jurisdictions
NatWest Group plc &#x2013; Annual Report on Form 20-F 16 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g019.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">How we engaged What we discussed Outcome of engagements Challenges we faced
Communities &#x2013; the places where we have an impact
  &#x2013; We continued to engage with our charity relationships,
supporting them through Payroll Giving, colleague fundraising
and volunteering, and disaster and emergency appeals.
  &#x2013; We supported young people through the delivery of our
MoneySense and CareerSense programmes.

  &#x2013; NGOs, academia and think tanks.
  &#x2013; We discussed raising awareness of charitable donations,
and enabling employee volunteering and fundraising
opportunities through our Do Good Feel Good campaign.
  &#x2013; MoneySense gave financial advice to young people while
our CareerSense programme provided critical
employability skills &#x2013; especially to those from
underprivileged backgrounds.
  &#x2013; We discussed several climate-related topics, such as our
lending policies, Paris Alignment, biodiversity and COP26.
  &#x2013; MoneySense has helped 10 million young people learn about money since it
was launched in 1994, and is currently supported by over 6000 active volunteer
colleagues. CareerSense has seen 8,200 pupil registrations since its launch in
June 2021.
  &#x2013; We sponsored COP26, published our first Nature and Biodiversity Statement,
and signed up to the Net Zero Banking Alliance and other commitments.
During 2021, the COVID-19 pandemic
resulted in NatWest Group temporarily
closing two popular volunteering
programmes &#x2013; MoneySense for Schools
and The Conservation Volunteers (TCV).
MoneySense for Schools remained
closed throughout 2021, though online
resources were still available. However,
due to the TCV programme being
delivered outdoors, in June we were
once again able to offer colleagues the
chance to do their bit to help nature
and&#x202F;biodiversity to thrive.
  &#x2013; The Chairman, Group CEO, Group CFO and selected
non-executive directors attended the COP26 Climate Summit
along with members of the executive team.
  &#x2013; Progress against our climate ambitions, goals and targets.
  &#x2013; Regulatory and investor expectations in relation to climate.
  &#x2013; Non-executive directors and the executive team spent time talking with
customers, colleagues and industry peers at a range of climate-focused events.
Suppliers &#x2013; where we source our goods and services
  &#x2013; Regular review meetings with key suppliers.
  &#x2013; Policy due diligence activity.
  &#x2013; Audit reviews.
  &#x2013; Environmental and ethical sustainability.
  &#x2013; Prompt payment.
  &#x2013; Risk management.
  &#x2013; In collaboration with key stakeholders, we completed the first review
of our Supplier Charter, which sets out our aims and expectations in
several key areas.
  &#x2013; We worked with EcoVadis &#x2013; a leading organisation providing third-party
evidence-based assessments of sustainability performance &#x2013; to measure our
own performance and that of our suppliers against the charter, enabling us
to&#x202F;identify social, environmental and ethical improvements.
Where suppliers that underwent the
EcoVadis assessment performed below
the global average, we know there is
more we can do to engage and support
them in improving their performance on
key sustainability topics.
To achieve this, we have put in place
a&#x202F;strategy for 2022 that aims to enable
our suppliers to improve and help us
cultivate a more responsible value chain.
  &#x2013; Business reviews (regular Board reports)   &#x2013; Regular updates on key supplier and partnership
relationships and initiatives being undertaken with them.
  &#x2013; Business review updates provided the Board with visibility on key supplier
activity and how this supported our purpose, strategy, financial performance
and climate ambitions.
Investors &#x2013; providers of the capital and funding that supports our business activities
  &#x2013; Investor spotlight sessions, presentations at industry
conferences and meetings with our senior management.
  &#x2013; These presentations provided a deep dive into key areas   &#x2013; Institutional investors and research analysts gained a deeper understanding of
our business and were able to ask questions of the wider management team.
COVID-19 restrictions presented a
challenge for the 2021 AGM. As a
solution to investors being unable to
attend the AGM, we held a virtual
shareholder event one week prior to
the&#x202F;AGM. Investors had the opportunity
to hear from Board members and ask
questions prior to voting on the AGM
resolutions. Answers and a recording of
the event were made available on our
website. Holding the event demonstrated
that engagement with investors is a
priority for the Board.
  &#x2013; The Chairman, Group CEO, and Group CFO took part in
a&#x202F;programme of engagement through quarterly results
presentations and 1-1 meetings with our largest investors.
  &#x2013; The Chairman, Group CEO, and other non-executive
directors represented the Board at three virtual shareholder
events with private shareholders.
  &#x2013; The Chairman and a number of non-executive directors
hosted a corporate governance forum for investors.
  &#x2013; Progress against strategic priorities, financial performance,
capital return policy, environmental, social and governance
topics, regulation and the macroeconomic environment.
  &#x2013; As above, plus a discussion around dividends and share
price performance, supporting enterprise and tackling
climate change.
  &#x2013; Board succession planning, diversity and inclusion, key
areas of Board focus, &#x2018;Say on Climate&#x2019; resolutions.
  &#x2013; The Chairman, Group CEO and Group CFO have an open dialogue
with&#x202F;institutional investors, updating investors on progress and keeping
the&#x202F;Board informed about their views and priorities throughout the year.
  &#x2013; Private shareholders also had the opportunity to raise any concerns directly
with Board members at our virtual shareholder events.
  &#x2013; Investors received an update on key corporate governance topics and the
Board heard their views on evolving practice for Say on Climate resolutions.
Regulators &#x2013; who we seek to comply with
  &#x2013; We engaged in several regulatory consultations.   &#x2013; Alternative risk-free reference rates (to replace LIBOR).
  &#x2013; Credit risk.
  &#x2013; Cybersecurity.
  &#x2013; Historical conduct issues.
  &#x2013; Access to cash.
  &#x2013; COVID-19 support measures and recovery.
  &#x2013; Environmental, Social and Governance issues.
  &#x2013; We sent bilateral responses to material consultations or other requests for
comment/input issued by various government, regulatory and standard setting
bodies during 2021.
  &#x2013; We engaged with regulators during the policy proposal phase on several
occasions to help inform priorities &#x2013; examples included the independent review
of ring-fencing and proprietary trading and the FCA&#x2019;s proposals for a new
consumer duty.
In December 2021, NatWest Bank Plc
was fined &#xA3;264.8 million by the FCA for
three breaches of the Money Laundering
Regulations 2007. We deeply regret that
we failed to adequately monitor one of
our customers between 2012 and 2016
for the purpose of preventing money
laundering. We cooperated fully with
the&#x202F;FCA&#x2019;s investigation. As part of its
ongoing programme of investment in
its&#x202F;people, processes and technology,
NatWest Group&#x2019;s financial plans
already&#x202F;include over &#xA3;1 billion to
further&#x202F;strengthen financial crime
controls over the next five years.
  &#x2013; Prudential Regulation Authority (PRA) attendance at
July 2021 Board meeting.
  &#x2013; Non-executive directors engaged with regulators through
continuous assessment and proactive engagement meetings.
  &#x2013; PRA periodic summary meeting (PSM) outputs.
  &#x2013; Topics included strategy, financial performance, capital
  &#x2013; The Board were able to hear directly from the PRA on the key messages in the
PRA&#x2019;s PSM letter, including regulator expectations for key areas of Board focus.
  &#x2013; Engagement meetings allowed the directors to understand the regulators&#x2019; key
areas of interest and provide them with direct feedback on those topics.
of the business, progress to date and future priorities.
NatWest Group plc &#x2013; Annual Report on Form 20-F 17
 &#x2013; Our direct community investment in 2021 amounted to &#xA3;7,266,818. Across all
of our fundraising and volunteering programmes, our colleagues have given
&#xA3;3,543,533 and 43,003 worktime volunteering hours.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g020.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our strategy
A strategy to deliver our purpose,
driving sustainable returns
Supporting customers at
every stage of their lives
Powered by innovation
and partnerships Simple to deal with Sharpened capital allocation
  &#x2013; We acquired fintech company RoosterMoney,
whose pocket money app aims to build money
confidence and financial capability from an
early&#x202F;age.
  &#x2013; We delivered &#xA3;2.2 billion of gross lending to
small and medium-sized businesses in 2021
and&#x202F;processed 1 in 4 UK payments.
  &#x2013; In Retail Banking, we have completed &#xA3;728
  &#x2013; We made it easier for our customers to
understand their financial health, by providing
c.1 million financial health checks during 2021.
  &#x2013; Around &#xA3;3 billion in investment continues to be
made (over 2021&#x2013;2023), of which c.80% relates
to digital and technology&#x202F;programmes.
  &#x2013; As the first major bank to join forces with
a&#x202F;renewable energy supplier through our
collaboration with Octopus Energy, we offer our
retail, business and wealth customers a tailored
package that improves the cost and efficiency
of&#x202F;owning and running an electric vehicle.
  &#x2013; Collaborating with the fintech firm CoGo,
we&#x202F;were the first bank to introduce a carbon-
tracking feature in our mobile banking app.
  &#x2013; We established the Sustainable Homes and
Buildings Coalition with British Gas, Worcester
Bosch and Shelter to improve the energy
efficiency of buildings in the UK.
  &#x2013; 87% of our retail customer needs are now
met digitally, with 60% of our customers banking
exclusively digitally.(1)
  &#x2013; There were 10,200 video banker conversations
per week in 2021 across Retail Banking,
compared with 3,300 per week in 2020.
  &#x2013; In 2021, Cora, our AI virtual assistant,
handled 10.7 million Retail Banking
conversations, up 27% on the previous year.
  &#x2013; Following our investments to improve customer
journeys, 70% of digitalised new account
openings in Retail Banking were completed
without human intervention in 2021; this
compares with 45% in 2020.
  &#x2013; The NatWest Markets&#x2019; refocus has made
substantial progress in 2021; risk-weighted
assets reduced from &#xA3;38 billion in 2019 to
&#xA3;24 billion in 2021.
  &#x2013; We have made good progress on our phased
withdrawal from the Republic of Ireland and
expect the majority of the Allied Irish Banks p.l.c.
(AIB) and Permanent TSB p.l.c. (PTSB) asset
sales to be largely complete by the end of 2022
and deposits to&#x202F;reduce over a longer timescale.
  &#x2013; &#xA3;3.8 billion shareholder distributions were
announced for the financial year 2021.
  &#x2013; We completed &#xA3;17.5 billion in Climate and
Sustainable Funding and Financing in 2021,
including &#xA3;8.1 billion contribution towards
our &#xA3;100 billion target.(2)
Outcomes
We are more relevant to our customers by building
deeper relationships and evolving our propositions
to meet more of their needs throughout their lives.
Through technology and digital expertise, we
deliver an excellent customer experience by
harnessing our internal knowledge and experience
of partnering with leading external organisations
around the world.
By being simple to deal with we improve both
customer experiences and colleague engagement.
We focus on great customer service technology
and improving customer journeys.
Effective deployment of capital and efficient
portfolio discipline helps manage risk and drives
sustainable returns.
Our execution is centred around our purpose, driving sustainable growth
through our strategic priorities. We are a relationship bank for a digital world,
building ever-deeper and closer connections with our customers throughout
their financial lives, enabling people, families and businesses to thrive.
million of Green Mortgages since their launch
in Q4 2020, rewarding customers for choosing
an energy efficient home.
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 18 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g021.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Supporting customers at
every stage of their lives
Powered by innovation
and partnerships Simple to deal with Sharpened capital allocation
  &#x2013; We acquired fintech company RoosterMoney,
whose pocket money app aims to build money
confidence and financial capability from an
early&#x202F;age.
  &#x2013; We delivered &#xA3;2.2 billion of gross lending to
small and medium-sized businesses in 2021
and&#x202F;processed 1 in 4 UK payments.
  &#x2013; In Retail Banking, we have completed &#xA3;728
million of Green Mortgages since their launch
in&#x202F;Q4 2020, rewarding customers for choosing
an energy efficient home.
  &#x2013; We made it easier for our customers to
understand their financial health, by providing
c.1 million financial health checks during 2021.
  &#x2013; Around &#xA3;3 billion in investment continues to be
made (over 2021&#x2013;2023), of which c.80% relates
to digital and technology&#x202F;programmes.
  &#x2013; As the first major bank to join forces with
a&#x202F;renewable energy supplier through our
collaboration with Octopus Energy, we offer our
retail, business and wealth customers a tailored
package that improves the cost and efficiency
of&#x202F;owning and running an electric vehicle.
  &#x2013; Collaborating with the fintech firm CoGo,
we&#x202F;were the first bank to introduce a carbon-
tracking feature in our mobile banking app.
  &#x2013; We established the Sustainable Homes and
Buildings Coalition with British Gas, Worcester
Bosch and Shelter to improve the energy
efficiency of buildings in the UK.
  &#x2013; 87% of our retail customer needs are now
met digitally, with 60% of our customers banking
exclusively digitally.(1)
  &#x2013; There were 10,200 video banker conversations
per week in 2021 across Retail Banking,
compared with 3,300 per week in 2020.
  &#x2013; In 2021, Cora, our AI virtual assistant,
handled 10.7 million Retail Banking
conversations, up 27% on the previous year.
  &#x2013; Following our investments to improve customer
journeys, 70% of digitalised new account
openings in Retail Banking were completed
without human intervention in 2021; this
compares with 45% in 2020.
  &#x2013; The NatWest Markets&#x2019; refocus has made
substantial progress in 2021; risk-weighted
assets reduced from &#xA3;38 billion in 2019 to
&#xA3;24 billion in 2021.
  &#x2013; We have made good progress on our phased
withdrawal from the Republic of Ireland and
expect the majority of the Allied Irish Banks p.l.c.
(AIB) and Permanent TSB p.l.c. (PTSB) asset
sales to be largely complete by the end of 2022
and deposits to&#x202F;reduce over a longer timescale.
  &#x2013; &#xA3;3.8 billion shareholder distributions were
announced for the financial year 2021.
  &#x2013; We completed &#xA3;17.5 billion in Climate and
Sustainable Funding and Financing in 2021,
including &#xA3;8.1 billion contribution towards
our &#xA3;100 billion target.(2)
Outcomes
We are more relevant to our customers by building
deeper relationships and evolving our propositions
to meet more of their needs throughout their lives.
Through technology and digital expertise, we
deliver an excellent customer experience by
harnessing our internal knowledge and experience
of partnering with leading external organisations
around the world.
By being simple to deal with we improve both
customer experiences and colleague engagement.
We focus on great customer service technology
and improving customer journeys.
Effective deployment of capital and efficient
portfolio discipline helps manage risk and drives
sustainable returns.
(2)  In October 2021, having surpassed our previous 2020-21 &#xA3;20 billion target during
H1&#x202F;2021, NatWest Group announced an ambition to provide &#xA3;100 billion climate
and&#x202F;sustainable funding and financing between 1 July 2021 and the end of 2025.
(1)  Retail Banking current account customers only based as at 31 December 2021 &#x2013;
metric is 87% of our retail customer needs are now met digitally, with 60% of our
customers banking entirely digitally. Only activity in the last quarter is considered.
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 19 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g022.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our strategy in action
We&#x2019;re always here to help our customers
when they need us.
So, when Nathalie decided to pursue her goal of buying a car to give her
more flexibility when travelling, we were ready to support.
It was late afternoon on a Friday when Nathalie got in touch with us. She&#x2019;d
wanted a car for a long time and was unsure on how to go about it, but a
prompt on her NatWest mobile app about a personal loan offer was the
encouragement she needed to drive ahead with her plans.
Nathalie booked a video call with us using her mobile app and was
speaking to one of our team within 15 minutes. We made the process
simple and easy for Nathalie, taking her through the loan application and
also identifying that Nathalie would benefit from a savings account.
By 6pm that evening, Nathalie had the loan money in her account, giving
her the financial support she needed to buy a car. We&#x2019;re passionate about
getting to know our customers and supporting them with all their banking
needs, whether we&#x2019;re helping them in-person in a branch, or through one
of our innovative digital channels like video banking.
We think the help we gave to Nathalie is a great example of NatWest
Group&#x2019;s determination to build deeper relationships with our customers
and support them to achieve their different goals in life.
Supporting
customers
at every stage
of their lives
Watch the story online
&#x201C;We&#x2019;re passionate
about getting to
know our
customers and
supporting them
with all their
banking needs&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 20
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g023.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Paul French,
Senior Personal Banker,
NatWest Torquay Branch
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 21 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g024.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our strategy in action
Vernon is passionate about brewing,
and sustainability.
His company, Wye Valley Brewery in Herefordshire, has grown
from humble beginnings to now distributing to over 1,200 pubs,
as well as selling to all the major supermarkets.
And as the business&#x2019;s operations have expanded over the years,
so have its sustainability ambitions. Reducing its carbon footprint has
been a key priority. The company had already installed over 1,000
solar panels, producing around 280 kilowatts of electricity, but it
also&#x202F;wanted to make the switch to all-electric vehicles.
For Vernon, investing in sustainable and innovative technology is
key to the long-term success of his business. And this is exactly
where&#x202F;NatWest was able to help.
When Vernon mentioned his plans to the NatWest relationship manager,
we were able to tell him of our collaboration with Octopus Energy.
Through our collaboration &#x2013; the first time a major bank and a renewable
energy supplier have joined forces &#x2013; we offer our retail, business and
wealth customers a tailored package that improves the cost and efficiency
of owning and running an electric vehicle.
The brewery now has eight charging points which the staff can use
and are also open to the public. Vernon believes it has made a real
difference in his company&#x2019;s shift to electric vehicles.
With our focus on partnerships and innovation, NatWest Group is making
it easier and more affordable for our customers to make a positive
difference to our environment.
Powered by innovation
and partnerships
Watch the story online
&#x201C;With our focus
on&#x202F;partnerships
and innovation,
NatWest is making
it easier and more
affordable for our
customers to
make a positive
difference to our
environment.&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 22
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g025.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Vernon Amor,
Managing Director,
Wye Valley Brewery
NatWest Group plc &#x2013; Annual Report on Form 20-F 1 NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 23 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g026.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our strategy in action
Mica Johnson,
Owner,
Floral Glory
NatWest Group plc &#x2013; Annual Report on Form 20-F 24 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g027.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Mica had always dreamed of running
her own&#x202F;business.
Indulging her passion for flowers, she launched Walsall-based
florist Floral&#x202F;Glory. However, a month after she went self-employed,
the pandemic struck.
Being a start-up company can be hard enough at the best of times.
But trying to connect with suppliers and customers during a national
lockdown was a real challenge. Mica needed all the support she
could get.
As a long-standing personal banking customer, she knew NatWest
was simple to deal with. So she reached out to our business banking
team for help with setting up Floral Glory&#x2019;s payments system.
Running her business from home initially meant that transactions
needed to work across virtual and physical platforms. Tyl by NatWest
provided the solution.
It allowed Mica to accept online payments securely through her
website or by phone. The next-day business settlement also really
helped in the early days when cash flow was so important.
After the lockdown, when Mica moved into her premises, Tyl once
again helped her keep things simple. The portable card machine was
ideal for moving around the shop, while each payment integrated
straight into her accounting software.
Mica&#x2019;s story shows how NatWest is here to help.
By combining the right products and being simple to deal with,
we make life easier for our customers.
Simple
to deal with
Watch the story online
&#x201C;By combining the
right products and
being simple to
deal with, we
make life easier
for&#x202F;our customers.&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 25
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g028.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our strategy in action
Lightsource bp,
solar array
NatWest Group plc &#x2013; Annual Report on Form 20-F 26 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g029.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The team at Lightsource bp believe
there&#x2019;s huge potential in the transition
to a net-zero economy.
They should know. As a global leader in the development and
management of solar energy projects, they&#x2019;ve seen the market
for&#x202F;renewables grow sharply over the past decade.
But accessing that opportunity has required hard work, innovation
and, of course, the financing to make it happen.
NatWest Group has supported Lightsource bp throughout its journey
from a UK start-up 10 years ago, to its emergence as a major renewable
energy firm.
The company now employs 700 industry specialists working across
17 countries to help deliver affordable and sustainable solar power
for businesses and communities around the world.
For us, our work with Lightsource bp aligns perfectly with our
purpose and climate ambitions. We know the financial sector is a
key&#x202F;enabler in the drive towards net-zero emissions, but it&#x2019;s more than
that. As well as being good for the environment, it&#x2019;s also good business.
It&#x2019;s a belief we have committed to with our announcement in 2021
to provide an additional &#xA3;100 billion of Climate and Sustainable Funding
and Financing by the end of 2025.
And we&#x2019;re continuing our journey with Lightsource bp too &#x2013; agreeing
in 2021 to be part of the funding package for the company&#x2019;s ambitious
new growth strategy.
We believe focusing the allocation of capital in this way makes perfect
sense. It&#x2019;s good for our business, the companies we support, and our planet.
Sharpened
capital allocation
Watch the story online
&#x201C;Focusing the
allocation of
capital in this way
makes perfect
sense. It&#x2019;s good
for our business,
the companies
we support, and
our planet&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 27
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g030.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">2021
289.7
310.8
317.3
2020 2019 2021
310
277
256
2020 2019 1 Jan 2021
2022
16.2
18.5
18.2
15.9
2020 2019 2021
9.4
(2.4)
9.4
2020 2019
Financial
Measuring
our performance
Key performance indicators
&#xA3;m %%
Achieve a c.4% cost reduction in
other expenses excluding OLD
and Ulster Bank RoI direct costs
in 2021.
Achieve CET1 ratio target of
13-14% by 2023.
Achieve return on tangible
equity target of 9-10%&#x202F;by 2023.
This has been achieved by
transformation across our
customer journeys and in the
NatWest Markets business.
The CET1 ratio remains strong
at&#x202F;18.2%. The 30 basis points
reduction in the year principally
reflects capital distributions,
partially offset by the reduction in
RWAs and the attributable profit.
RWAs of &#xA3;157.0 billion reduced
by&#x202F;&#xA3;13.3 billion in 2021 mainly
reflecting business movements in
Commercial Banking, including
targeted sector reductions,
improvement in risk parameters
and active capital management.
Return on tangible equity
which&#x202F;was 9.4% at year end,
benefitted from significant
impairment releases.
Supporting customers at
every stage of their lives. Simple to deal with.
Powered by innovation
and partnerships.
Sharpened capital
allocation.
Sharpened capital
allocation.
Supporting customers at
every stage of their lives.
Simple to deal with.
In&#x202F;2022 we expect income
excluding notable items to be
above &#xA3;11.0 billion in the
Go-forward group.
In both 2022 and 2023 reduce
Go-forward operating expenses,
excluding litigation and conduct
costs by around 3%.
Aim to end 2022 with a CET1
ratio of around 14% and target
a&#x202F;ratio of 13-14% by 2023.
In 2023, we expect to achieve
a&#x202F;return on tangible equity of
comfortably above 10% for
the&#x202F;Group.
Link to remuneration
Why is it important?
Delivering long-term sustainable performance.
Run a safe and secure bank.
Our performance
Link to strategy and areas of focus
How we measure our progress and our future priorities
&#xA3;bn
Net lending Cost reduction CET1 ratio Return on tangible
equity
Achieve net lending growth in
our UK and RBSI retail and
commercial businesses.
Net loans to customers were &#xA3;1.5
billion, or 0.4%, lower compared
with 2020. Across the UK and
RBSI retail and commercial
businesses and excluding UK
Government support schemes, net
lending increased by &#xA3;7.8 billion,
or 2.6% largely driven by
mortgages. Mortgage growth
exceeded the market, however
commercial lending was behind
market as we have sought to
reduce certain exposures, through
targeted sector reductions and
capital actions, whilst continuing
to focus on supporting customers
through sustainable lending.
NatWest Group plc &#x2013; Annual Report on Form 20-F 28
Total operating expenses of
&#xA3;7,758 million were &#xA3;100
million, or 1.3%, lower
compared with 2020. A cost
reduction (excluding litigation
and conduct costs, operating
 lease depreciation and
Ulster  Bank RoI direct costs)
of &#xA3;256 million, or 4.0%, in
2021, in line with our target
for the  year.
Future priorities
Read more: Our investment case on page 8 and Outlook statement on page 51 of this document.
Read more on how the KPIs are aligned to executive directors&#x2019; remuneration in our Annual remuneration report on pages 142 to 158 of this document.
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including
      as a  result of the factors described in the Risk factors section on pages 136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking
      statements. Refer to   the forward-looking statements on page 1 of the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g031.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">2021
13
7
4
-2 -2 -7
22
24
23
2020 2019 2021
12.0
9.4
8.1
2020 2021
c.60,700
2020
c.55,000
2021
79
80 80
2020 2019
&#xA3;bn
Increase the likelihood that
customers will recommend our
brands. Achieve NPS targets
for&#x202F;our core customer-facing
businesses.
Net Promoter Score
NatWest Retail main bank NPS
exceeded its target by five points,
up six points year on year.
NatWest Business Banking
missed its target by two points
and continues to be ranked 3rd.
NatWest Commercial Banking
retained first position and its
lead over next best competitor.
Simple to deal with.
NPS improvement of: one point
for NatWest Retail Main Bank or
be 5th or better; four points for
NatWest Business Banking and
be 3rd or better.
Why is it important?
Link to strategy and areas of focus
How we measure our progress
Our performance
Honest and fair with customers
and suppliers.
Support removal of barriers to
UK enterprise growth through
the provision of learning,
networking and funding
interventions.
Achieve the culture target,
as&#xA0;measured through the
NatWest Group &#x2018;Our View&#x2019;
colleague survey.
Provide an additional &#xA3;100 billion
of Climate and Sustainable
Funding and Financing from
1&#x202F;July 2021 &#x2013; end 2025.
Non-financial
Climate and Sustainable
Funding and Financing
Supporting enterprise Build up and strengthen
a healthy culture
We have supported c.55,000 (1)
individuals or businesses through
enterprise programmes with
c.200,000(1) customer interventions
delivered. Of those supported,
c.26% were from Black Asian and
Minority Ethnic backgrounds
c.60% identified as female.
c.52% were purpose-led.
c.75% were outside of London and
the South East.
In 2021 we exceeded our target
on Culture by two points. Our
target was to be seven points
above the Financial Services
Culture Board (FSCB) norm.
For Culture measurement and
assessment, our calculation
methodology aligns with that
used by the FSCB.
We independently survey
thousands of customers each
year, asking them how likely
they would be to recommend
the bank.
Funding and financing
provided&#x202F;to support climate and
sustainable activities, in line with
our Climate and Sustainable
Finance Inclusion (CSFI) criteria.
A good citizen.
Remove barriers to
UK enterprise growth.
A responsible and
responsive employer.
Build up and strengthen
a healthy culture.
A guardian for future
generations.
To be a leading bank in
the UK helping to address
the climate challenge.
Climate Enterprise Learning
Support 35,000 businesses
through enterprise
programmes with 200,000
customer interactions to start,
run and grow a business.
NatWest Group plc &#x2013; Annual Report on Form 20-F 29
In October 2021 having
surpassed our 2020-2021 target
of &#xA3;20 billion in the first half of
2021 we announced an ambition
to provide an additional &#xA3;100
billion between 1 July 2021
and the end of 2025. In 2021
we provided &#xA3;17.5 billion of
Climate and Sustainable
Funding and Financing, including
 &#xA3;8.1 billion contribution to our
&#xA3;100 billion target.
(1)  Refer to page 31 of this document for further details.
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a
result of the factors described in the Risk factors section on pages  136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer
to  the forward-looking statements on page 1 of the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g032.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our purpose-led areas of focus
building long-term value
Our purpose-led focus areas
Our ambition
Our areas of focus
contribute to UN Sustainable
Development Goals (SDGs):
We are committed to championing potential, helping people, families and
businesses to thrive. Aligned to our purpose are three focus areas where we
believe we can make a long-term, meaningful contribution to our customers,
colleagues and communities. These are: climate, enterprise and learning.
Climate
A leading bank in the UK helping to address
the climate challenge
Our targets
Net zero(1) by 2050
&#xA3;100bn Climate and Sustainable Funding and Financing between 1 July 2021 and the end
of&#x202F;2025
-50% at least halve the climate impact of our financing activity by 2030
50% of our UK mortgage customers&#x2019; homes at, or above, EPC C rating by 2030
Full phase out of coal &#x2013; by 1 January 2030(2)
-50% reduce our direct(3) own operations carbon footprint by 2025 As well as highlighting
activity that relates to each
of the SDGs above, case
studies throughout this
report will reference positive
impacts mapped against
other SDGs. More detail
on&#x202F;our embedding of SDGs
can be found in our ESG
Supplement. As signatories
of the UN Principles for
Responsible Banking, we
also remain committed to
aligning our strategy with
the 2015 Paris Agreement
and the SDGs.
(1)  Please refer to section 1.2 in the
NatWest Group plc Climate-related
Disclosures Report for further detail
on our net-zero ambitions.
(2)  Please refer to section 3.5.2 in the
Natwest Group plc Climate-related
Disclosures Report for further details
on outcomes.
(3)  Against a 2019 baseline. Direct own
operations is defined as Scope 1,
Scope 2 and Scope 3 (paper, water,
waste, business travel, commuting
and work from home) emissions. It
excludes upstream and downstream
emissions from our value chain.
(4)  In October 2021, having surpassed
our previous 2020-21 &#xA3;20 billion
target during H1 2021, NatWest
Group announced an ambition to
provide an additional &#xA3;100 billion
Climate and Sustainable Funding
and Financing between 1 July 2021
and the end of&#x202F;2025.
Enterprise
Removing the barriers to enterprise
Our targets
35,000 individuals or businesses supported through enterprise programmes in 2021(8)
200,000 interventions delivered to start, run or grow a business in 2021(8)
60% of those supported will be female
75% of those supported will be based outside London and the South East
20% of those supported will be of a Black, Asian and/or Minority Ethnic background
10% of those supported will be social purpose-led
Learning
Building financial capability and resilience and enhancing the skills of
our colleagues
Our targets
15m financial capability interactions delivered by 2023
2m additional customers helped to start saving by 2023
100% front-line colleagues professionally accredited within the first 18 months in role
UK Social Mobility Apprenticeship Programme extended across multiple UK locations
NatWest Group plc &#x2013; Annual Report on Form 20-F 30 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g033.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our 2021 performance
Climate and Sustainable
Funding and Financing
completed, including &#xA3;8.1bn
contribution towards our
&#xA3;100bn&#x202F;target(4)
2020: &#xA3;12 bn
Retail Banking Green
Mortgage&#x202F;completions(7)
of Retail Banking mortgages
are at, or above, EPC rating C(5)
2020: 36%
52%
of gross lending and investment
balances at 31 December 2019
estimated for financed emissions.
A further eight high carbon
emitting sectors estimated
2020: 45% (four sectors)
-46%
reduction in our
direct(3) own operational
carbon footprint(3)
Credible
transition plan
assessments
completed for oil and gas majors
and in scope coal customers(2)
Climate
(5)  Percentage of &#xA3;110.3 billion UK Retail Banking mortgages where EPC data is available. 2020 comparative for England and Wales
mortgages only.
(6)  Retail Banking RBS, NatWest and Ulster Bank Northern Ireland mobile apps.
(7)  Retail Banking Green Mortgage products relate only to mortgages for energy efficient homes (EPC A or B rated) and are aligned to
the&#x202F;World Green Building Council definition of green mortgages.
(8)  Represents approximate number of interventions delivered by and individuals supported through enterprise programmes during 2021,
which is based upon data provided by third parties delivering these interventions without further independent verification by
NatWest&#x202F;Group.
c.55,000
individuals and businesses
supported through enterprise
programmes in 2021(8)
c.75%
of those supported were based
outside of London and the
South&#x202F;East
c.200,000
interventions delivered to start,
run&#x202F;or grow a business in 2021(8)
c.52%
individuals or businesses
supported were
purpose-led businesses
c.60%
of those supported identified as
female purpose-led businesses
c.26%
of those supported were of
Black, Asian and Minority
Ethnic&#x202F;background
Enterprise
financial capability interactions
delivered by 31&#x202F;December 2021
against the 2023 target
additional customers helped
to start saving by 31 December
2021 against the 2023 target(9)
99.6%
front-line colleagues
professionally accredited within
the first 18 months in&#xA0;role
Learning
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a
 result of the factors described in the Risk factors section on pages 412 to 434 in this Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer to
 the forward-looking statements in this document.
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a
 result of the factors described in the Risk factors section on pages 412 to 434 in this Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer to
 the forward-looking statements in this document.
NatWest Group plc &#x2013; Annual Report on Form 20-F 31
&#xA3;17.5bn 38%
&#xA3;728m
8.96m 1.07m
(9)  Includes instances where customers had savings with other banks and transferred them to their NatWest Group account.
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a
result of the factors described in the Risk factors section on pages  136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer
to  the forward-looking statements on page 1 of the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g034.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Customers
Overview
Customers&#x2019; needs and behaviours are changing as a result of
new technologies. The impact of COVID-19 has accelerated
digital trends as well as prompting different ways of working,
shopping, socialising and communicating. Demographic shifts
and changing labour patterns are also having a profound
long-term effect on customer behaviours, as people work
longer, retire later, rent for longer or buy property later in life.
Our response
Understanding these trends allows us to better support our
customers&#x2019; needs, being there at every stage of their lives
and&#x202F;tailoring banking services and products that meet their
evolving expectations. By harnessing new technology and
partnering with leading organisations, we have again
enhanced and evolved our customer experiences in 2021.
We&#x202F;have also continued our efforts to make banking more
accessible for all of our customers through improving face-to-
face, digital and remote interactions. And in 2021, we again
devoted significant focus to supporting customers facing
financial difficulty or in vulnerable situations, as well as
helping&#x202F;more people to start saving.
Technology
Overview
New business models and customer behaviours continue to
rapidly evolve through advancing technology. COVID-19 has
increased our customers&#x2019; reliance on technology with a further
shift to digital, reinforcing the need for modern capabilities and
resilient systems. Our active digital users across both personal
and business customers continued to grow in 2021.
Our response
With a focus on innovation, and through collaborations
with&#x202F;experienced companies, our technology solutions have
driven significant benefits for our customers. This has been
particularly evident again in 2021 with our approach to Open
Banking. Leveraging the ability to combine transaction and
bank issuance data has helped us generate invaluable insights
for our commercial customers. In terms of our own digital
estate in 2021, we have also delivered further technological
innovation to help protect privacy and customer confidentiality.
In addition to the strong focus on delivering innovative
solutions for our customers, technology transformation
continues to prioritise simplification, stability and resilience,
as&#x202F;well as year-on-year run-cost reduction.
The environment we operate in is constantly changing. Understanding
the multiple influences on our business enables us to be prepared for change,
to respond quickly, and to create value for the long term.
NatWest Group continues
to adapt to evolving market trends
Economy
Overview
In 2021, the UK economy continued its recovery from the
impact of COVID-19 and lockdown restrictions, with GDP
approaching pre-pandemic levels towards the end of the year.
The employment market continued to remain robust, with the
furlough scheme proving an effective tool to lessen the impact
of COVID-19 as well as helping the labour market emerge from
COVID-19 in a position of strength. Towards the end of 2021,
UK job vacancies remained elevated. Against this backdrop,
inflationary pressure began to build with the Consumer Prices
Index ending the year well ahead of the Bank of England&#x2019;s 2%
target. Countering inflation is therefore likely to remain high on
the agenda for policy makers in the short to medium term. In
the longer term, demographic change, climate change, high
levels of debt and inequality could all have financial impacts
for&#x202F;our customers.
Our response
Our business performance is correlated with economic factors.
Put simply, when people, families and businesses thrive, so
do&#x202F;we. We know the tough economic conditions many of our
customers have faced throughout the year. As such, we have
remained focused on removing barriers to doing business and
providing more opportunities for companies to grow, helping
the economy to build back better. Initiatives such as our
&#x2018;Accelerator&#x2019; programme, our &#x2018;Springboard to Sustainable
Recovery&#x2019; report, and an additional &#xA3;1 billion in funding to
help&#x202F;support female-led businesses in the UK recover from
COVID-19 have been a key part of this.
Market environment
&#x201C;COVID-19 has increased
our customers&#x2019; reliance
on technology with a
further shift to digital,
reinforcing the need
for&#x202F;modern capabilities
and&#x202F;resilient systems.&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 1 NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 32 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g035.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Cyber threats
Overview
Cyberattacks pose a constant risk to our operations, both in
relation to our own digital estate and indirectly with regards
to&#x202F;our supply chain. Cybercrime continues to evolve rapidly.
Attacks may be from individuals or highly organised criminal
groups intent on stealing money or sensitive data, or potentially
holding organisations to ransom.
Our response
We continue to invest significant resources in the development
and evolution of cybersecurity controls, deploy rigorous due
diligence with regards to third parties and work to protect and
educate our colleagues and customers on fraud and scam
activity. To provide continuity of service for customers with
minimal disruption, we monitor and assess a diverse and
evolving array of threats, both external and internal, as well
as&#x202F;developing, strengthening or adapting existing control
capability to be able to absorb and adapt to such disruptions.
Climate change
Overview
Climate change represents an inherent risk to NatWest
Group,&#x202F;not only from its impact on the global economy and
our&#x202F;customers, but also through its potential effects on asset
values, operational costs and business models as the essential
transition to a net-zero economy accelerates. These risks are
subject to increasing regulatory, political and societal change.
Conversely, the requirement to reduce carbon emissions also
means NatWest Group has a significant role to play in areas
such as the provision of Climate and Sustainable Funding
and&#x202F;Financing.
Our response
Climate risk was formally incorporated into the NatWest Group
risk directory as a principal risk in February 2021 and in April
2021, NatWest Group Board Risk Committee approved a
principles-based climate risk policy. Our Climate Opportunities
Group (COG) was established to support our ambition to be a
leading bank in helping to address climate change. The COG
brings together colleagues from all business segments to
conceptualise and develop opportunities that complement the
NatWest Group climate ambition. Being a principal partner of
COP26 gave us the opportunity to re-state our commitment
to&#x202F;working with our partners to help reduce carbon emissions.
At&#x202F;the conference in Glasgow, we focused on highlighting the
practical support we are providing our customers to help them
achieve their climate ambitions, as well as strengthening our
existing partnerships and building new ones. Our commitment
to tackling climate change means we have already reduced
our direct own operations footprint by 46%, against a 2019
baseline and plan to achieve a 50% reduction by 2025. We
have also set stretching targets for our wider operational
value&#x202F;chain and have an ambition to halve the impact of
our&#x202F;financing activity by 2030.
Regulation
Overview
We operate in a highly regulated market which continues
to&#x202F;evolve in scope. Areas of current regulatory focus include:
delivering good customer outcomes, in particular the FCA&#x2019;s
current proposals for a Consumer Duty, which looks to
expand&#x202F;its rules and principles to force firms to provide better
consumer protection; operational resilience, in light of the UK
authorities&#x2019; new policy requirements; climate change, and
the&#x202F;development of the regulatory framework for sustainable
finance; fraud and financial crime, with a focus on protecting
customers from ever-more sophisticated scams; capital and
liquidity management, including the UK&#x2019;s approach to the
implementation of Basel III; the UK&#x2019;s future regulatory
framework, following its exit from the European Union and
the&#x202F;opportunities that this provides; digital currencies, with
the&#x202F;development of both public (central bank digital currencies)
and private (e.g. stablecoins) offerings which have the potential
to materially change the digital payments landscape; improving
diversity, equity and inclusion in financial services, through
policy developments focused on improved data collection
and&#x202F;reporting, and use of targets for representation.
Our response
We constantly monitor regulatory change and work with our
regulators to help shape those developments that materially
impact the bank, lobbying when necessary either bilaterally
or&#x202F;in partnership with one of our affiliated industry bodies.
We&#x202F;implement new regulatory requirements where applicable
and use our frequent engagement meetings with regulators
to&#x202F;discuss key regulatory priorities.
(1)  Since 1 July 2021, UK &amp; Ireland &#xA3;5.5 billion, Western Europe &#xA3;1.9 billion and
Other&#x202F;&#xA3;0.6 billion.
United Kingdom and Ireland
Western Europe
Other
Total:
&#xA3;17.5bn
&#xA3;7.8bn
&#xA3;8.5bn
&#xA3;1.2bn
NatWest Group 2021 Climate and Sustainable
Funding and Financing &#x2013; Geographical split(1)
NatWest Group plc &#x2013; Annual Report on Form 20-F 33 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g036.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Purpose-led and integrated value creation
We aim to create value for our
stakeholders, having a positive impact
on our environment and wider society.
Our work lends particular support
to&#x202F;the below seven sustainable
development goals.
Find out more in the following sections:
How we
create value
1
Financial
Human and relationships
NatWest Group was a
principal partner for COP26,
widening the involvement
of&#x202F;the business community,
young people and civil society,
enabling voices to be heard
to help progress be made.
Our business activities 2
Our resources 1
How we create value 3
Our resources
Nature
Infrastructure
NatWest Group plc &#x2013; Annual Report on Form 20-F 34 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g037.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">We support the financial lives of our customers and
drive&#x202F;economic growth through our well-known brands.
We make appropriate use of shareholder capital and
other&#x202F;forms of financial capital, including &#xA3;479.8 billion
in&#x202F;customer deposits.
We are committed to sustainability as a driver of value
creation through our investment, products and service.
Financial
Our relationships with all stakeholder groups help to shape
and support our strategy and operations. This includes our
shareholders and regulators, suppliers, consumer and
campaign groups, local communities and more.
Human and relationships
Our resources Our business activities 2
(1)  NatWest Group headcount for both continuing and discontinued operations at 31 December
2021, based on global data for active permanent colleagues (including FTC and excl. temps).
Nature
We depend on our property and technology infrastructure,
and that of our supply chain, to run the bank&#x2019;s systems
and&#x202F;operations. We are also investing significantly in
technology and human expertise to deliver a leading
digital&#x202F;customer experience.
Infrastructure
Products and services
We provide a comprehensive range of banking and financial
services to personal, business and commercial customers
via our businesses. Examples include current and savings
accounts, credit cards, mortgages and investments for our
personal customers; as well as banking, lending, project
finance, risk management and trading solutions for our
large&#x202F;commercial customers.
Revenues and returns
We earn income from interest charged on lending to our
customers and fees from transactions and other services.
We pay interest to customers who place deposits with us
and to investors who buy our debt securities. We also make
reward payments on products like our Reward bank accounts
and credit cards. The attributable profit generated is either
returned to shareholders or retained and reinvested into
improving our business to benefit our stakeholders.
Customer relationships
We support our personal, business, commercial and
institutional customers with financial services that meet their
needs, which include keeping their funds safe and secure,
improving financial capability and supporting enterprise.
We believe in treating customers fairly, offering flexibility
to our customers in how they choose to bank with us and
providing extra help to customers in vulnerable situations
or financial difficulty.
Partners and networks
Being powered by innovation and partnerships means
we&#x202F;work with a diverse range of partners to help shape our
business strategy and deliver positive outcomes for customers
and society. This includes our supply chain, communities,
academia, regulators, expert advisers, consumer groups and
charities, as well as strategic partners. We are also members
of, or signatories to, a large number of organisations, trade
bodies and frameworks that help us create long-term value
and balance the interests of stakeholders.
We rely on an engaged, healthy and inclusive workforce
of 58,500(1) to deliver our strategy to approximately 19
million customers in the UK.
We understand we are part of the natural world, benefiting
from resources and ecosystem services to conduct our
business activities. We are forming expert partnerships to
restore degraded lands and forests, to support the needs
of local communities and nature, as well as supporting the
removal of 120,000 tonnes of CO2e each year.
NatWest Group plc &#x2013; Annual Report on Form 20-F 35
9.4% return on tangible equity and 18.2% CET1 ratio. Total
operating expenses of &#xA3;7,758 million were &#xA3;100 million, or
1.3%, lower compared with 2020. A cost reduction
(excluding litigation and conduct costs, operating  lease
depreciation and Ulster Bank RoI direct costs) of &#xA3;256
million cost reduction and &#xA3;2,950 million profit attributable
to ordinary shareholders.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g038.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">3 How we create value for our customers and society
Supporting enterprise Creating opportunities for
businesses and enterprise &#xA3;34.6 billion
gross lending to SMEs and mid-corporates in&#x202F;Commercial Banking,
supporting economic&#x202F;growth.
&#xA3;1 billion
additional funding made available to support female-led businesses
in the UK to recover from the disruption caused by COVID-19.
Building financial
capability
Helping people make
better&#x202F;financial decisions 470,813(*)
additional customers helped to start to save and 6.1 million(*) financial
capability interactions delivered in 2021.
10 million
MoneySense has helped 10 million young people learn about
money since it was launched in 1994.
Helping to address the
climate challenge
Taking action on the risks and
opportunities of climate change &#xA3;17.5 billion(*)
Climate and Sustainable Funding and Financing completed, including
&#xA3;8.1 billion contribution towards our &#xA3;100 billion target.(1)
38%(*)
of Retail Banking mortgages are at or above EPC rating C.(2)
Jobs and the economy Supporting employment across
the UK Early career
We hired over 1,000 interns, graduates and apprentices in 2021
including 205 colleagues who have been recruited through our social
mobility apprentice programmes.
&#xA3;1.73 billion
Payment of &#xA3;1.73 billion in tax was made to the UK
Government in 2021 which supported central government
and local authority spending.(3)
Protecting our
customers
Keeping money safe and
accessible for our customers &#xA3;193.3 million(*)
We prevented 542,969 cases of attempted fraud against our customers,
amounting to over &#xA3;193.3&#x202F;million in the UK.
159 hotline
We are one of the original pilot organisations behind the
new &#x2018;159&#x2019; fraud reporting hotline, launched in 2021.
Improving digital
capability
Offering customers more choice
and ways to bank 9.7 million(*)
active digital customers. 8.3 million actively use our mobile app
and 4.2 million use our online banking platform.
60%(*)
of our active current accounts are customers exclusively
banking with us using digital channels through mobile or online.
Community and
charitable giving
Making a difference in our
local&#x202F;communities 32,235 trees
planted by colleagues, in our new tree planting programme with
The&#x202F;Conservation Volunteers.
43,003 hours
were volunteered by our colleagues to local communities and good
causes received over &#xA3;3.5&#x202F;million through their giving and fundraising.
Helping our colleagues
to thrive
Building a great place to work
that reflects the society we are
proud to serve
Our integrated wellbeing strategy allows us&#x202F;to support colleagues,
customers and communities, and is a key part of NatWest Group
being&#x202F;a purpose-led organisation.
+14 points
Colleague sentiment on inclusivity has continued to increase in 2021,
now reaching a score of 93 percentage points. We are 14 percentage
points above the Global Financial Services Norm and 10 percentage
points above the Global High Performing Norm.
Homes and housing Helping more people access
efficient homes &#xA3;728 million(*)
Retail Banking Green Mortgage
completions.(4)
Over 48,000
We have supported more than
48,000 customers with first-time mortgages.(*)
262,000
customers were helped with mortgage
payment holidays between 2020 and 2021
due to the challenges caused by COVID-19.
Supporting customers at
every stage of their lives
Simple to
deal with
Sharpened
capital allocation
Powered by innovation and
partnerships
Purpose-led and integrated value creation continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 36 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g039.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">How we create value for our customers and society
Supporting enterprise Creating opportunities for
businesses and enterprise &#xA3;34.6 billion
gross lending to SMEs and mid-corporates in&#x202F;Commercial Banking,
supporting economic&#x202F;growth.
&#xA3;1 billion
Building financial
capability
Helping people make
better&#x202F;financial decisions 10 million
MoneySense has helped 10 million young people learn about
money since it was launched in 1994.
Helping to address the
climate challenge
Taking action on the risks and
opportunities of climate change
Climate and Sustainable Funding and Financing completed, including
&#xA3;8.1 billion contribution towards our &#xA3;100 billion target.(1)
of Retail Banking mortgages are at or above EPC rating C.(2)
Jobs and the economy Supporting employment across
the UK Early career
We hired over 1,000 interns, graduates and apprentices in 2021
including 205 colleagues who have been recruited through our social
mobility apprentice programmes.
&#xA3;1.73 billion
Payment of &#xA3;1.73 billion in tax was made to the UK
Government in 2021 which supported central government
and local authority spending.(3)
Protecting our
customers
Keeping money safe and
accessible for our customers
We prevented 542,969 cases of attempted fraud against our customers,
amounting to over &#xA3;193.3&#x202F;million in the UK.
159 hotline
We are one of the original pilot organisations behind the
new &#x2018;159&#x2019; fraud reporting hotline, launched in 2021.
Improving digital
capability
Offering customers more choice
and ways to bank
active digital customers. 8.3 million actively use our mobile app
and 4.2 million use our online banking platform.
of our active current accounts are customers exclusively
banking with us using digital channels through mobile or online.
Community and
charitable giving
Making a difference in our
local&#x202F;communities 32,235 trees
planted by colleagues, in our new tree planting programme with
The&#x202F;Conservation Volunteers.
43,003 hours
were volunteered by our colleagues to local communities and good
causes received over &#xA3;3.5&#x202F;million through their giving and fundraising.
Helping our colleagues
to thrive
Building a great place to work
that reflects the society we are
proud to serve
Our integrated wellbeing strategy allows us&#x202F;to support colleagues,
customers and communities, and is a key part of NatWest Group
being&#x202F;a purpose-led organisation.
+14 points
Colleague sentiment on inclusivity has continued to increase in 2021,
now reaching a score of 93 percentage points. We are 14 percentage
points above the Global Financial Services Norm and 10 percentage
points above the Global High Performing Norm.
Homes and housing Helping more people access
efficient homes
Retail Banking Green Mortgage
completions.(4)
Over 48,000 262,000
customers were helped with mortgage
payment holidays between 2020 and 2021
due to the challenges caused by COVID-19.
Examples of how we create value
(1)  In October 2021, having surpassed our previous 2020-21 &#xA3;20 billion target during
H1&#x202F;2021, NatWest Group announced an ambition to provide &#xA3;100 billion climate
and&#x202F;sustainable funding and financing between 1 July 2021 and the end of 2025.
(3)  Comprises &#xA3;787 million corporate tax, &#xA3;473 million irrecoverable VAT, &#xA3;126 million bank
levies, &#xA3;257 million employer payroll taxes and &#xA3;88 million other taxes.
(4)  Retail Banking Green Mortgage products relate only to mortgages for energy efficient
homes (EPC A or B rated) and are aligned to the World Green Building Council definition
of green mortgages, which has Pioneer status with the Green Home Finance Principles
established by the Green Finance Institute.
additional funding made available to support female-led
businesses  in the UK to recover from the disruption caused by
COVID-19.
NatWest Group plc &#x2013; Annual Report on Form 20-F 37
470,813
additional customers helped to start to save and 6.1 million financial
capability interactions delivered in 2021.
&#xA3;17.5 billion 38%
&#xA3;193.3 million
60% 9.7 million
&#xA3;728 million
(2)  Percentage of &#xA3;110.3 billion UK Retail Banking mortgages where EPC data is available.
2020 comparative for England and Wales mortgages only.
We have supported more than
48,000 customers with first-time mortgages.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g040.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Building a purpose-led bank
Our business
performance
Retail Banking
Through the NatWest and Royal Bank of Scotland brands
we&#x202F;provide a comprehensive range of banking products
and&#x202F;related financial services including current accounts,
mortgages, personal unsecured lending and personal deposits.
We&#x2019;re here for customers whenever and wherever they need
us &#x2013; from our mobile app and online banking, through to our
contact centres and high street and mobile branches.
Commercial Banking
We offer comprehensive banking and financing solutions
to&#x202F;start-up, SME, commercial, corporate and institutional
customers in the UK. We&#x2019;re there for our customers as they
start, grow and manage their businesses. Our innovative
products and services help customers achieve their growth,
environmental and social targets. We deliver a high-quality
sales and service experience through our expertise and deep
engagement, locally, regionally and nationally through face-to-
face, direct and digital channels. We continue to support our
customers through the Brexit transition period and beyond.
Ulster Bank RoI
Since the end of July 2021 (apart from the UBIDAC asset
finance business which remains fully open), commercial
banking has been closed to new customers, remaining open
for existing customers only. Since the end of October 2021,
we&#x202F;have stopped accepting applications from new personal
customers, but continue to consider applications on a reduced
number of products from existing personal customers, mainly
mortgages. We continue to support our existing customers
pending further decisions on the phased withdrawal.
RBS International
As one of the largest full-service banks operating in the
local and institutional banking sectors in the Channel Islands,
Isle&#x202F;of Man and Gibraltar, we serve international customers
with a UK connection through our International Banking
proposition. We operate under six brands: RBS International;
NatWest International; Isle of Man Bank; Coutts Crown
Dependencies; NatWest Trustee and Depositary Services and
RBS International Depositary Services. We have wholesale
branches and fund depositary services businesses in the UK
and Luxembourg to further serve our institutional clients
and&#x202F;protect investors.
Private Banking
Private Banking is the Investment Centre of Expertise for
NatWest Group, servicing all client segments across Retail,
Premier &amp; Private Banking. We provide private banking and
wealth management services to UK-connected high-net-worth
individuals and their business interests through the Coutts &amp; Co
brand. We continue to focus on delivering the best client
experience through a proactive engagement model which
supports clients across both sides of their balance sheet &#x2013;
improving returns by deepening client relationships and
enhancing our digital banking capabilities to make it easier
for&#x202F;clients to deal with us.
NatWest Markets
We help NatWest Group&#x2019;s corporate and institutional
customers manage their financial risks safely and achieve
their short-term and long-term sustainable financial goals.
We&#x202F;think and act as one bank for our customers, collaborating
with teams across NatWest Group to be the partner of choice
for our customers and their financial markets needs. By
focusing on the things we do best and that matter most
to&#x202F;our customers, we help champion their potential.
NatWest Group plc &#x2013; Annual Report on Form 20-F 38 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g041.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">UN Principles for Responsible Banking
We have now been signatories to the UN Principles for
Responsible Banking for over two years. In 2021, we
undertook&#x202F;a portfolio impact analysis using the United
Nations&#x202F;Environment Programme Finance Initiative (UNEP&#x202F;FI)
developed tool, responded to the collective progress survey,
and were active in working groups on financial inclusion and
health, biodiversity, and the collective commitment on climate
action. We remain committed to aligning our strategy with
the&#x202F;UN Sustainable Development Goals and the 2015 Paris
Agreement and our progress against the&#x202F;six&#x202F;principles can
be&#x202F;found in our second self-assessment report included in
our&#x202F;2021 ESG Supplement.
Human Rights and Modern Slavery
At NatWest Group, we understand that businesses have an
important role to play in promoting respect for human rights.
We&#x202F;seek to act in accordance with the Universal Declaration of
Human Rights and our approach to respecting human rights
is&#x202F;informed by other international standards and principles
including the UN Guiding Principles on Business and Human
Rights (UNGPs). We have established a human rights steering
group, a management group that brings representatives from
across NatWest Group together to coordinate our activities,
and&#x202F;to make recommendations to NatWest Group Executive
Committee and Board to develop and&#x202F;strengthen our approach.
More information can be found at&#x202F;natwestgroup.com.
Tackling modern slavery forms an integral part of our approach
to human rights. We seek to tackle modern slavery and human
trafficking through continued implementation of policies covering
our customers, colleagues and suppliers and by monitoring our
financing and supply chain for this activity. Our full approach is
outlined in&#x202F;our&#x202F;annual Modern Slavery and Human Trafficking
Statement which can be found at&#x202F;natwestgroup.com.
In 2021, we continued to engage with a range of stakeholders in
relation to human rights including charities, Non-Governmental
Organisations (NGOs) and campaign groups to help grow our
knowledge and understanding of these issues. We remained
members of the Thun Group and the UN Global Compact&#x2019;s
UK&#x202F;Modern Slavery Working Group. We also continued to
work&#x202F;with anti-slavery charity Unseen to support survivors
and&#x202F;raise awareness of modern slavery with colleagues
throughout NatWest Group.
1.
Alignment
4. Stakeholders
2.
Impact &amp; Target
Setting
3.
Clients &amp;
Customers
6.
Transparency &amp;
Accountability
5.
Governance
&amp;&#xA0;Culture
Ways of Working
Re-imagining the workplace
How do you manage a never-before
moment in the world of work?
That was the question we were suddenly
posed with when COVID-19 hit. But as the
pandemic played out, we quickly started to
think&#x202F;beyond immediate operational requirements
to&#x202F;what a new way of working could look like &#x2013;
considering the needs of over 58,000 colleagues
across a number of jurisdictions.
But we also knew we had a real opportunity to make
the return to the work environment different from
how it had always been: a more flexible design.
Tailored to what mattered most to our colleagues.
To get there, we adopted a robust, data and
experience-led approach. Through extensive
colleague interviews, executive engagement and
external research we started to build a picture of the
new way colleagues would like to work and interact.
Our insights quickly guided us that one size
wouldn&#x2019;t&#x202F;fit all. And that a &#x2018;Ways of Working&#x2019;
framework designed around three models was a
flexible and dynamic way to both deliver colleague
choice and better meet customer needs.
Colleague safety, and health and wellbeing were
paramount during roll-out. To ensure this, we knew
that having a range of measures in place &#x2013; from a
&#x2018;Wellbeing Hub&#x2019; and &#x2018;Best Practices Zones&#x2019;, to
working from home guides and mental health
advice&#x202F;&#x2013; was vital.
We also realised that getting it right would take time.
So we created a feedback loop, gathering colleague
views and adapting our process. For example,
following colleague suggestions we introduced
reorientation events as well as onsite wellbeing
support to help colleagues back into the office.
We&#x2019;re still on a journey, but it&#x2019;s one we&#x2019;re on together.
&#x201C;Our insights quickly
guided us that one size
wouldn&#x2019;t fit all&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 39 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g042.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Business performance
Retail
Banking
In Retail Banking, we&#x2019;re focused on
creating lifelong relationships with our
customers. Whether it&#x2019;s providing early
financial education, helping them onto
the property ladder or building secure
financial futures, we&#x2019;re there at every
stage of our customers&#x2019; lives. We are
delivering on our strategy to support
building a relationship bank for a digital
world &#x2013; combining the best people and
the best technology.
We&#x2019;re extremely proud of providing 30 years of free early
financial education to children through our MoneySense
programme. And we&#x2019;re delighted to now evolve this further
through the acquisition of RoosterMoney in October 2021 &#x2013; a
leading children&#x2019;s banking app, which builds financial skills in a
fun, accessible way. We are committed to helping more young
customers with their financial capability and have seen a steady
increase in the proportion of young people choosing to bank
with us in 2021 versus pre-pandemic levels.
We have also increased the number of customers who choose
us as their main bank in 2021, reaching our highest-ever score
for customer satisfaction. We are helping all our customers
make the most of their money and achieve their goals, especially
at a time when many are facing financial difficulties. We know
that at every life stage, whether our customers have a short-
or&#x202F;long-term goal, saving needs to be easy and rewarding. Our
Digital Regular Saver account, alongside budgeting and goal
tools, was designed specifically to help first-time savers build
financial resilience.(1) We aim to address the savings gap by
helping two million customers start saving by the end of 2023;
since launch we have enabled over one million customers to
start their savings journey, including almost 471,000 in 2021.
We&#x202F;also conducted more than 661,000 financial health checks in
2021, of which over 350,000 were completed via video banking.
We recognise that building secure financial futures begins early
on in our customers&#x2019; lives and we are there to support them
from the start. Our digital investing platform, NatWest Invest
and Royal Bank Invest, helps our customers with their long-
term financial plans. By offering digital access to five funds
managed by Coutts, customers can plan for life&#x2019;s big events
or&#x202F;simply invest towards securing their financial future. Nearly
33,000 retail bank customers started investing through the
platform in 2021.
When our customers are ready to step onto the property
ladder,&#x202F;they&#x2019;re in safe hands, we have 11.5% flow share of
UK&#x202F;mortgages, we helped more than 48,000 customers to buy
their first home and over 40,000 customers to re-mortgage. Our
continued digitalisation of the mortgage journey means that we
can now offer customers browsing price-comparison websites
a&#x202F;more seamless experience; gaining a decision in principle
upfront without them having to leave the website. Through our
Green Mortgage, which we provided to around 2,900 customers
in 2021, we proactively supported customers to lower their
carbon footprint by offering discounted mortgage rates for
buying more energy efficient homes.
We are also there to support our customers with their short-
term borrowing needs and enable them to achieve their goals
sooner. We have over 3.8 million users of our &#x2018;Know My Credit
Score&#x2019; tool, with just under 1.4 million signing up in 2021. This
helps customers better understand their credit options &#x2013; and
how the decisions they make today, could affect their finances
tomorrow. We launched a new Purchase and Balance
Transfer&#x202F;credit card and grew credit card balances faster
than&#x202F;the market in the second half of the year. Our credit card
customers can also now manage large purchases more easily
by setting up an instalment plan to spread payments between
three and 24 months.
We&#x2019;re always striving to make banking simpler for our
customers. We now have over eight million customers
regularly using our mobile app, which uses biometric
authentication to make the user experience secure and
convenient and 60% of our customers now interact with us
exclusively via digital channels. We&#x2019;ve also launched &#x2018;Banking
My Way&#x2019; in the app, making it easier for customers to tell us
how we can best support their needs relating to accessibility
or personal circumstances.
(1)  Active customers aged 17+ who have saved more than &#xA3;100 with us for the first
time. Includes instances where customers had existing savings with other banks and
transferred them to their NatWest Group account
Total income
(&#xA3;m)
4,445
2020: 4,181
Operating expenses
(&#xA3;m)
(2,513)
2020: (2,540)
Operating
profit
(&#xA3;m)
1,968
2020: 849
Return on equity
(%)
26.1
2020: 10.2
Net loans to customers
(&#xA3;bn)
182.2
2020: 172.3
Video banking financial
health checks
350k
2020: 173k
Customers exclusively
using digital channels
(%)
60
2020: 58
Customers helped to
buy their first home
48k
2020: 32k
By investing in world-class digital experiences which meet the
needs of our customers (from our digital banking app and AI
virtual assistant Cora, to video calling with expert advisers), we
make sure they have 24/7 access to the help and information
they need. Our focused investment in driving deeper-value
exchanges with customers while digitalising more customer
journeys and simplifying our business has resulted in a further
&#xA3;27 million cost reduction, as well as income growth from a
number of products and journeys.
NatWest Group plc &#x2013; Annual Report on Form 20-F 40 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g043.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Over the last few years, we have
significantly improved Cora&#x2019;s capability
and intelligence. In 2021, Cora handled
10.7 million retail banking conversations,
up 27% on the previous year.
The AI virtual assistant also fully
supported 47% of all customer
queries&#x202F;without having to hand
over to a human.
Cora is now able to help customers
by providing personalised responses
to a range of different banking needs,
from providing help on how to access
the mobile app, to updating us when
they move home.
In 2021, for the first time, Cora
began assisting customers over the
phone, allowing the use of natural
conversation to self-serve.
Cora is now a key part of the
bank&#x2019;s digital and telephony offering,
with a constantly evolving role in
frontline customer support. As well
as improving our service efficiency,
it also enables our colleagues to focus
on more complex customer enquiries.
We will continue to invest in the use
of innovative technologies to make it
easier for our customers to get the
support they require, when and
where it is needed.
For us, this is a vital component
of being a relationship bank for
a&#x202F;digital world.
&#x201C;The AI virtual
assistant also fully
supported 47%
of all customer
queries without
having to
hand&#x202F;over
to a human.&#x201D;
Cora supporting our customers
Using AI to provide that personal touch
&#x2018;Cora&#x2019; is NatWest Group&#x2019;s customer-facing
AI virtual assistant, helping to provide support
for our customers using both our digital and
telephony channels.
NatWest Group plc &#x2013; Annual Report on Form 20-F 41 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g044.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Private
Banking
We partner with our clients and their families as their wealth
needs evolve over their lifetime, ensuring that their wealth
has&#x202F;its intended consequences. In 2021, we launched NatWest
Group&#x2019;s first digital Junior ISA, which so far has enabled over
4,000 clients to start saving for their children&#x2019;s future more
easily. We continue to develop our digital capabilities and have
seen strong growth in digital sales with over 26% of net new
money now being executed through digital channels. We&#x202F;also
continue to meet the more complex lending and investment
needs of Coutts clients through face-to-face specialist advisers
and we welcomed a 29% increase in new Coutts clients in 2021
compared with 2020.
As a result of our collaboration with global asset manager
BlackRock, Coutts invests in a dedicated range of bespoke funds
managed and administrated by BlackRock on their platform.
Coutts set the investment strategy and ESG policy for the funds
and this relationship provides efficiency benefits for our clients.
We have also increased our ability to influence change at the
companies held within these bespoke funds to drive better ESG
outcomes, engaging with over five times more companies across
the UK, Europe and North America and voting on 79% more
company resolutions in 2021 compared with 2020. Our online
investment product series, Personal Portfolio funds, available
as&#x202F;NatWest Invest, Royal Bank Invest and Coutts Invest grew
significantly and more than doubled from &#xA3;0.9 billion in 2020
to&#x202F;&#xA3;1.9 billion in 2021.
Coutts collaborated with BGF Group (BGF) to launch the UK
Enterprise Fund and provide additional growth funding and
support to SMEs across the UK. The fund is co-investing
equity&#x202F;growth capital alongside BGF, taking minority stakes
in&#x202F;businesses looking to scale in the UK, with initiatives to
support female entrepreneurship and promote the diversity
of&#x202F;management teams. In 2021, over 100 clients invested a
combined &#xA3;42 million and Coutts and BGF intend to launch
a&#x202F;further fund in 2022.
In November, we launched our first full-scale brand and
television campaign to increase awareness and consideration
among a new type of client: younger (35-44), female and
entrepreneurial. The campaign &#x2018;real success takes true
character&#x2019;, focused on the duality of acting in the right way
being the reason for achieving long-term success and played
into the progress we have made to become a B Corporation
and&#x202F;our responsible investing credentials.
In June, we started to incentivise new and existing clients
to&#x202F;improve the energy efficiency of their homes. We offer
discounted mortgage fees on homes with an A or B EPC ratings
and fee rebates to clients who improve their EPC rating above C
within a year of taking out their mortgage. We continue to grow
our nascent Green Mortgage book and have further plans to
help our clients understand the carbon intensity of their homes.
Coutts has been recognised by the Green Finance Institute as
a&#x202F;Pioneer of the UK Green Home Finance Principles.
We introduced our new Coutts mobile app to a pilot population
with a full roll out planned for 2022. We have introduced
integrated biometrics for enhanced security and easy-to-use
digital features such as first time beneficiary payment
authorisation. In app domestic payments can be completed in
one of the most efficient journeys in the UK market amongst
other notable features. The latest digital tools have enabled
clients to self-serve all disclosures during the onboarding
process, including electronic e-signatures, and enabled us
to&#x202F;send automated fraud alerts via SMS.
(1)  Private Banking manages assets under management portfolios on behalf of Retail
Banking and RBSI and receives a management fee in respect of providing this service.
Business performance continued
Private Banking is the Centre of
Expertise for asset management
across NatWest Group, and in 2021 we
continued to see growth in customers
investing with us across our brands
and through various mediums, such as
digital or face-to-face. Coutts provides
our high-net-worth and ultra-high-net-
worth clients with day-to-day banking,
flexible lending and responsible
investments, underpinned by first-class
client service. In July 2021, Coutts
became a Certified B Corporation,
evidencing our commitment to
balance&#x202F;people, profit and the planet.
Total income
(&#xA3;m)
816
2020: 763
Operating expenses
(&#xA3;m)
(520)
2020: (455)
Operating profit
(&#xA3;m)
350
2020: 208
Return on equity
(%)
17.0
2020: 10.3
Net loans to customers
(&#xA3;bn)
18.4
2020: 17.0
AUMA(1)
(&#xA3;bn)
35.6
2020: 32.1
Customer deposits
(&#xA3;bn)
39.3
2020: 32.4
NatWest Invest/Royal
Bank Invest/Coutts
Invest users
78,890
2020: 44,410
NatWest Group plc &#x2013; Annual Report on Form 20-F 42 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g045.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">It&#x2019;s a conviction woven deeply
in&#x202F;our history, most notably in the
philanthropic legacy of Angela Burdett-
Coutts, whose family forged the bank.
And now more than ever, we know
we have a responsibility to make a
positive difference to the world we live
in. It&#x2019;s why &#x2013; over two years ago &#x2013; we
made the decision to aim to be part
of&#x202F;the ever-growing community of
Certified B Corporations.
B Corps are a new kind of business.
Ones that balance purpose and profit
&#x2013; being required to consider the impact
of their decisions on their workers,
customers, suppliers, community
and&#x202F;the environment.
However, the journey to B Corp
certification is understandably long and
rigorous. The external accreditation
took over 18 months and involved
answering around 300 questions on
everything from company governance
and how we care for our colleagues, to
our environmental impact and what we
contribute to the community.
Most meaningfully perhaps, we also
changed our Articles of Association,
enshrining the importance of
considering all stakeholders
in&#x202F;our&#x202F;decision-making.
In July 2021, as a result of these efforts,
Coutts gained the proud distinction of
being a Certified B Corp.
Since then, we have been busy.
Coutts was a founding member of
the &#x2018;B Finance UK Coalition&#x2019; which
was launched at COP26, and also
supported B Lab UK&#x2019;s Boardroom
2030 initiative.
But for us, this is very much just
the&#x202F;beginning.
&#x201C;For us, this is
very much just
the beginning&#x201D;
Doing well by doing good
Coutts becomes a Certified B Corp
As a business, we believe we can be
a force for good.
&#x201C;More than
ever, we know
we have a
responsibility to
make a positive
difference to the
world we live in.&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 43 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g046.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Commercial
Banking
In 2021, we opened over 78,000 accounts for new businesses,
supported c.55,000 individuals and businesses through
c.200,000 interventions; of those supported c.52% were
purpose-led businesses, c.60% identified as female and c.26%
were from Minority Ethnic backgrounds. Further to publishing
our &#x2018;Springboard to Sustainable Recovery&#x2019; reports in March
and October, we implemented our SME Task Force across all
our regions to&#x202F;focus on five areas identified with the potential
to create opportunity for SMEs tackling climate change. We
continued our support for customers through Brexit, facilitating
UK imports and exports by onboarding 27 more non-UK
suppliers to Supply Chain Finance programmes and increasing
the proportion of our lending to non-UK suppliers by 50%.
As transaction volumes recovered in the second half of 2021,
our investments in Payit and Tyl led to continued growth in
their respective customer bases. Payit became one of the
largest Open Banking-enabled &#x2018;Payment Initiation Service&#x2019;
platforms in the UK by volume and Tyl, our point-of-sale
solution for small businesses, processed its 50 millionth
transaction during 2021. Our Confirmation of Payee API also
won the first public tender with HMRC. We collaborated with
NatWest Markets to underwrite 56 new transactions, &#xA3;6 billion
commitments, and improve onboarding processes enabling
customers to take advantage of our award-winning
corporate&#x202F;FX services.
Our strategy of collaborating with industry leaders to deliver
better customer experiences evolved at pace in 2021 with a
joint offering of charging infrastructure with Octopus, allowing
customers to understand the carbon emissions of their supply
chains and working on The Global Farm Metric with the
Sustainable Food Trust.
We gave 16,000 additional SME customers access to a
relationship manager through the launch of our new direct
relationship manager proposition. We enhanced 32 digital
sales&#x202F;and servicing journeys, enabling our customers to start
and complete more journeys digitally. In 2021, over 60% of
customers&#x2019; service requests were initiated digitally and
over&#x202F;two thirds of those were processed with no human
intervention. Our AI virtual assistant, Cora handled over
1.2&#x202F;million chats, of which more than half required no
human&#x202F;intervention.
We continue to be disciplined in our capital allocation, allowing
us to best support the economy in line with our strategy while
maintaining a resilient balance sheet. In 2021, we embedded
our climate commitments in our capital allocation and pricing-
decision frameworks. Our new sector strategy reflects a
continued rebalancing of our balance sheet towards sectors
aligned to an economic recovery and building a fair transition
to a green economy across the regions. In 2021, we delivered
a &#xA3;1.5 billion risk-weighted assets (RWA) saving from targeted
sector reductions, significant risk transfers and other active
capital management actions; improving RWA efficiency by
around 1%.
Business performance continued
We pivoted from our leading role
supporting customers with &#xA3;14.4 billion
of approved government scheme
lending through the COVID-19 crisis
to&#x202F;support UK businesses to grow with
&#xA3;4 billion of SME-scale funding. We
grew lending in areas where we have
competitive advantage, such as climate
and sustainable funding and financing
where we delivered &#xA3;5.2 billion of
lending. As a relationship bank for a
digital world, our innovations allow us
to better support our customers across
a growing number of digital channels
while simplifying and automating our
own processes.
Total income
(&#xA3;m)
3,875
2020: 3,958
Operating expenses
(&#xA3;m)
(2,354)
2020: (2,430)
Operating
profit/(loss)
(&#xA3;m)
2,594
2020: (399)
Net loans to customers
(&#xA3;bn)
101.2
2020: 108.2
Return on equity
(%)
22.0
2020: (4.5)
Tyl payments
processed
(m)
39.3
2020: 13.6
NatWest Group plc &#x2013; Annual Report on Form 20-F 44 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g047.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">&#x201C;Speed of
arrangement
was&#x202F;crucial.
Working to short
timescales we
were able to
deliver the
contract for
the&#x202F;required
facility quickly.&#x201D;
It&#x2019;s why we place so much importance
on championing potential in those early
years. When a business has a clear
commercial opportunity, we want to
help them deliver on their ambitions.
PensionBee is a great example.
A&#x202F;direct-to-consumer financial
technology company and a leading
online pension provider in the UK,
it enables customers to interact with
their retirement savings through
its unique combination of smart
technology and dedicated
customer service.
We assisted PensionBee in March
2021,&#x202F;in the run up to its planned
IPO, with a &#xA3;10 million revolving credit
facility through our innovative Growth
Capital team. Our support gave the
company that vital element of flexibility
around optimising its capital structure
to&#x202F;protect its cash runway.
Speed of arrangement was crucial.
Working to short timescales we were
able to deliver the contract for the
required facility quickly, providing
PensionBee with fast assurance that
liquidity would be available if needed.
The company is continuing to move
from strength to strength. Having
more&#x202F;than doubled its assets under
administration to &#xA3;2.25 billion in the year
between September 2020 and 2021, it is
now listed on the High Growth Segment
of the main market of the London Stock
Exchange and has announced its
intention to transition to the Premium
Segment in the first half of&#x202F;2022.
For us, seeing PensionBee&#x2019;s success
is massively rewarding. It shows that our
support made a difference &#x2013; at a time
when it was needed most.
&#x201C;We want to help
them deliver on
their&#x202F;ambitions&#x201D;
There when it counts
Championing business potential
We know it&#x2019;s essential for growing businesses
to get the right kind of support at the right time.
NatWest Group plc &#x2013; Annual Report on Form 20-F 45 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g048.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">RBS
International
We have continued to support our customers through life&#x2019;s
changing circumstances. We helped our customers grow
their&#x202F;deposits, with over 500 customers (who had either never
saved with us or had previously saved less than &#xA3;100 with us)
now saving at least &#xA3;100. We provided 8,729 financial health
checks, of which over 21% were virtual and we removed six
different mortgage fees and launched our mortgage broker
portal to simplify our offering and support customers. We
also&#x202F;launched our Green Mortgage to NatWest International
customers in the UK as we support the wider climate
ambitions&#x202F;of NatWest Group.
Following the successful launch of Cora, our AI virtual
assistant, 63% of interactions have been completed without
the&#x202F;need for human intervention. RBSI&#x2019;s Social Enterprise
Mentoring Scheme is also now well established and involves
partnering with a social enterprise in each retail banking
jurisdiction to share our knowledge and expertise. We have
also shared our wellbeing material, which received the
&#x2018;Wellbeing in the Workplace Star Award&#x2019; for our work
with&#x202F;Gibraltar Samaritans.
Partnering with four banks, RBSI will contribute &#xA3;90,000 over
three years to help secure the future of Jersey&#x2019;s Community
Savings Limited &#x2013; a registered charity working to promote
financial inclusion.
In responding to changing customer demands, we introduced
cheque deposits in our mobile app among other new features
across our personal digital channels, contributing to a 23%
increase in users. Overall, 82% of local banking customers
are&#x202F;now registered with digital banking which is a 14%
increase compared with 2020.
Our Institutional Banking and Depositary Services business
has&#x202F;received significant investment as it progresses on its
digitisation journey. Customers have felt the benefits of this
and the business continues to be a driver of growth with
Climate and Sustainable Funding and Financing solutions
increasingly popular. We have worked closely with NatWest
Markets to strengthen our combined position as a trusted
partner for these clients by supporting them with a holistic
offering across products and geographies.
Business performance continued
Our strategy of digital transformation
across the communities we operate
in&#x202F;remained unchanged despite the
COVID-19 pandemic. Parts of the
transformation programme were also
accelerated in recognition of rapidly
changing customer behaviours and
needs. We believe this focus on
becoming a bank that is easy to
deal&#x202F;with helps fulfil our purpose of
championing potential, helping people,
families and businesses to thrive.
Total income
(&#xA3;m)
548
2020: 497
Operating expenses
(&#xA3;m)
(242)
2020: (291)
Operating profit
(&#xA3;m)
358
2020: 99
Return on equity
(%)
22.5
2020: 6.1%
Net loans to customers
(&#xA3;bn)
15.5
2020: 13.3
Retail customers
registered with
digital&#x202F;banking
(%)
82
2020: 68
Net Promoter Score
36
2020: 30
Financial health checks
8,729
2020: 9,872
NatWest Group plc &#x2013; Annual Report on Form 20-F 46
Operating profit of &#xA3;358 million was &#xA3;259 million higher than
2020, primarily reflecting a &#xA3;52 million impairment release
combined with income growth and cost reduction. Net loans
to customers increased by &#xA3;2.2 billion, or 16.5%, and customer
deposits by &#xA3;6.2 billion, or 19.8% compared with Q3 2021. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g049.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">&#x201C;For us, this is
about fulfilling
our&#x202F;purpose,
being part of the
community we
live and work in&#x201D;
Helping financial inclusion
RBSI in the community
Think about what it means to be outside the
financial system. To not have a bank account.
To not be able to pay bills, obtain credit or save
for the future.
The effects can be devastating,
trapping people in a vicious cycle
of poverty and financial exclusion,
unable to participate fully in society.
It&#x2019;s a problem that we felt we could
(and, should) help with. So, we
decided&#x202F;to do something about it.
We got together with four other
local banks in Jersey to support
Community Savings Ltd &#x2013; a registered
charity which works to promote
financial inclusion in Jersey by providing
services, guidance and practical
assistance to those most in need.
We know Community Savings well.
We&#x2019;ve been banking the charity since
2018 and recognise the outstanding
work it does in Jersey supporting the
financial inclusion of the islanders.
Community Savings relies on grants,
donations and bequests to ensure the
continued running of its long-standing
initiative. Its customers&#x2019; money is not
used to fund its operations and it strives
to provide its services free of charge.
Over the next three years, we
are contributing &#xA3;90,000 to ensure
that&#x202F;the charity is able to help provide
access to mainstream banking services.
For us, this is about fulfilling our
purpose, being part of the community
we live and work in. But it&#x2019;s also more
than that. We look after each other here
on the island, and helping people with
financial inclusion is a big part of that.&#x201D;
Lynn Cleary
Chief Financial Officer,
RBS International
NatWest Group plc &#x2013; Annual Report on Form 20-F 47 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g050.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Business performance continued
NatWest
Markets
We have made progress during 2021 to better support NatWest
Group&#x2019;s corporate and institutional customers through refining
our global footprint and product range. We have also simplified
our operating model and leveraged expertise across the bank
to improve core processes to support cost reduction.
Our Foreign Exchange (FX) teams have worked with NatWest
Group&#x2019;s Commercial, Retail and Private Banking segments
on&#x202F;technology and customer sales initiatives to ensure that
customers across NatWest Group benefit from our market-
leading expertise.
We collaborated&#xA0;across RBSI, NatWest Markets and
Commercial Banking to establish a team to grow our offering
to the investment management sector&#xA0;and provide a more
integrated experience for our Funds and Sponsors customers.
We continued to support our customers with their ESG and
climate-related finance needs, with product innovation across
bonds, FX, interest rate derivatives and private finance. In
2021, we completed &#xA3;9.7 billion of Climate and Sustainable
Funding and Financing, including &#xA3;3.3 billion which will
contribute towards the new NatWest Group target of
&#xA3;100&#x202F;billion between 1 July 2021 and the end of 2025.
Our support for customers has been recognised by a number
of awards:
  &#x2013; &#x2018;Lead manager of the year, sustainability bonds &#x2013; local
authority/municipality&#x2019;, and &#x2018;Lead manager of the year,
green bonds &#x2013; supranational, sub-sovereign and
agency&#x202F;(SSAs)&#x2019;, from the Environmental Finance
Bond&#x202F;Awards 2021.
  &#x2013; &#x2018;Sterling Bond House of the Year&#x2019; from the IFR Awards 2020
(awarded February 2021).
  &#x2013; &#x2018;Best Agent of International US Private Placements&#x2019; from
the&#x202F;GlobalCapital Private Debt Awards 2020 (awarded
February 2021).
  &#x2013; &#x2018;Best Bank for ALM and Libor Transition Management&#x2019;
from&#x202F;the GlobalCapital Covered Bond Awards 2021.
  &#x2013; &#x2018;#1 bank for Overall FX Service Quality to the UK corporate
sector&#x2019; from Coalition Greenwich 2021.
We have advanced product innovation in the voluntary carbon
market by supporting NatWest Group&#x2019;s collaboration with
other international banks to develop a transparent global
marketplace for carbon offsets with clear and consistent
pricing and standards known as Carbonplace. We also
progressed the development of our digital bond capability,
completing a successful pilot trade of a blockchain bond in
the&#x202F;secondary market.
We made significant progress on the implementation of our
agreement with BNP Paribas for the provision of house futures
and associated back-office services, and in January 2022 we
successfully went live with the outsourcing of back office
services for our US-based Listed Derivatives business.
Note: The NatWest Markets operating segment is not the same as the NatWest Markets
Plc legal entity (NWM Plc) or group (NWM or NWM Group). The NatWest Markets
segment excludes the Central items &amp; other segment.
We have supported our customers&#x2019;
evolving needs with innovative
solutions&#x202F;and continued to deliver a
more integrated customer proposition
across NatWest Group. We have made
good progress on building a refocused,
sustainable business from which we
can grow. We incurred an operating
loss in 2021, but have continued to
reduce our risk-weighted assets
(RWAs) and operating expenses.
Total income
(&#xA3;m)
415
2020: 1,123
Operating expenses
(&#xA3;m)
(1,161)
2020: (1,310)
Operating loss
(&#xA3;m)
(711)
2020: (227)
Risk-weighted assets
(&#xA3;bn)
24.2
2020: 26.9
Climate and Sustainable
Funding and Financing
(&#xA3;bn)
9.7
2020: 7.2
GBP-denominated DCM
volume by bookrunner
&#x2013; FY 2021 Dealogic
#1
2020: #1
NatWest Markets incurred an operating loss of &#xA3;711 million
in 2021. A reduction in income was driven by a weak
performance in Fixed Income, reflecting subdued levels of
customer activity and the continued reshaping of the business.
This also contrasted with the exceptional levels of market
activity seen in 2020. Operating expenses were &#xA3;149 million,
or  11.4%, lower compared with 2020. We continued to reduce
costs in line with the strategic announcement in February
2020, with other expenses decreasing by 12.6%. RWAs were
&#xA3;2.7 billion lower than 2020 reflecting lower levels of market
risk and counter-party credit risk, including the impact of
capital optimisation actions taken throughout the year.
NatWest Group plc &#x2013; Annual Report on Form 20-F 48 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g051.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">One of the most important ways
we can do this is by helping tackle
climate change.
To build out the green infrastructure
needed to reach net-zero targets first
requires the funding and the market
mechanisms to deliver it. This is where
NatWest Markets has a vital role to play.
Following the UK Government&#x2019;s
announcement of its first-ever sovereign
green bond, we supported the second
issuance of green gilts in October 2021
as joint bookrunner.
The bond, which matures in July 2053,
is the longest-dated sovereign green
bond currently outstanding in the
market. Crucially, it will help finance a
whole range of climate projects such
as&#x202F;offshore windfarms, zero-emission
transport and schemes to decarbonise
homes and buildings.
With these two green issuances, the
UK&#x2019;s Debt Management Office has
become one of the top three largest
sovereign issuers of green bonds in
the world.
NatWest Markets is proud to be part of
this process, and to have helped deliver
on the government&#x2019;s commitment to
issue a minimum of &#xA3;15 billion of
green&#x202F;gilts in 2021&#x2013;22.
Supporting the UK
Government to tackle
climate&#x202F;change
NatWest Markets and green&#x202F;finance
Being purpose-led is about knowing and fulfilling
our responsibilities. It means delivering on our
commitments to our stakeholders, society and
the environment.
&#x201C;NatWest Markets
is proud to have
helped deliver on
the government&#x2019;s
commitment to
issue a minimum
of &#xA3;15 billion
of&#x202F;green gilts
in&#x202F;2021&#x2013;22&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 49 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g052.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Ulster Bank
Rol
During 2021, we entered into binding agreements for the
sale&#x202F;of material parts of our commercial and personal banking
businesses with Allied Irish Banks p.l.c. (AIB) and Permanent
TSB p.l.c. (PTSB), which subject to regulatory and other
approvals and other conditions being satisfied, are
expected&#x202F;to&#x202F;be completed during 2022 and 2023.
Since the end of July 2021, (apart from the UBIDAC asset
finance business), commercial banking has been closed to
new&#x202F;customers, remaining open for existing customers only.
Since the end of October 2021, we have stopped accepting
applications from new personal customers, but continue to
consider applications on a reduced number of products
from&#x202F;existing personal customers, mainly mortgages.
We have focused on effective and timely communications,
engaging with all customers impacted by the loan sales and
launched the &#x2018;Choose, Move &amp; Close&#x2019; readiness campaign
designed to give personal customers, especially those in
vulnerable situations, as much notice as possible of the steps
they will be required to take to move the products they hold
with us that are not already covered by the sale agreements.
This readiness campaign is an important step in our closure,
not just for customers but for the industry too, as we work
together to ensure the safe transition of customers to their
new&#x202F;providers. With this in mind, we are engaging with the
rest&#x202F;of the industry within the bounds of competition law, to
allow them time to prepare for the volume of customers who
will need to move or switch accounts. We are also engaging
with the main direct debit originators and large employers
to&#x202F;provide advance notice of the changes to allow them time
to&#x202F;prepare to help their own customers and employees who
will&#x202F;be switching accounts.
In July 2021, we launched our Customer Charter, a set
of&#x202F;principles developed from our colleagues&#x2019; ideas and
suggestions for how we best serve customers and the
communities in which we operate throughout the withdrawal
process. This includes helping customers in vulnerable
situations to close or move their accounts, continuing to
provide financial education to customers and donating
surplus&#x202F;office furniture to local communities and charities.
Following the announcement of the phased withdrawal,
our&#x202F;focus on colleague wellbeing has been a key priority.
Listening sessions were held to answer questions and keep our
colleagues informed. We also invested significantly in learning
and development to support colleagues, which has included
one-to-one career coaching sessions and career development
focus workshops.
Following the announcement to
begin a phased withdrawal from the
Republic of Ireland, we have made
progress to develop and implement
a plan which acts in the best interests
of customers, colleagues and
stakeholders. Our focus is to support
customers and colleagues now and
help them to prepare for the future.
Continuing operations
Business performance continued
Total including discontinued operations
Total income
(&#xA3;m)
228
2020: 222
Net loans to customers
(&#xA3;bn)
6.7
2020: 18.0
Operating expenses
(&#xA3;m)
(482)
2020: (441)
Operating loss
(&#xA3;m)
(226)
2020: (358)
Total income
(&#xA3;m)
Net loans to customers
(&#xA3;bn)
Operating expenses
(&#xA3;m)
Operating profit/(loss)
(&#xA3;m)
497
2020: 510
(527)
2020: (486)
55
2020: (226)
15.6
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 50
2020: 18.0
The results above are presented for continuing operations.
For further details on the treatment of discontinued operations
refer to Note 8 to the consolidated financial statements in the
Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g053.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Outlook
Outlook.
The economic outlook remains uncertain. We will monitor and react to market conditions and refine our internal
forecasts as the economic position evolves. The following statements are based on current market interest rate
and economic expectations.
  &#x2013; In 2023, we expect to achieve a return on tangible equity of comfortably above 10% for the Group.
  &#x2013; In 2022, we expect income excluding notable items to be above &#xA3;11.0bn in the Go-forward group.
  &#x2013; We plan to invest around &#xA3;3 billion over 2021 to 2023 but, with continuing simplification, we plan to reduce
Go-forward group operating expenses, excluding litigation and conduct costs, by around 3% in both 2022
and&#x202F;2023.
  &#x2013; As a result of positive actions to change the shape of our book in recent years, we expect our through-the-cycle
impairment loss rate to be around 20 &#x2013; 30 basis points. We expect our 2022 and 2023 impairment charge to be
lower than our through the cycle loss rate.
  &#x2013; Across 2022 and 2023, we expect movements in RWAs to largely reflect lending growth and our phased
withdrawal from the Republic of Ireland.
Capital and funding
  &#x2013; We aim to end 2022 with a CET1 ratio of around 14% and target a ratio of 13-14% by 2023.
  &#x2013; We intend to maintain ordinary dividends of around 40% of attributable profit and to distribute a minimum of
&#xA3;1&#x202F;billion in each of 2022 and 2023 via a combination of ordinary and special dividends.
  &#x2013; We intend to maintain capacity to participate in directed buybacks of the UK Government stake, recognising that
any exercise of this authority would be dependent upon HMT&#x2019;s intentions and is limited to 4.99% of issued share
capital in any 12-month period.
  &#x2013; We will consider further on-market buybacks, in addition to the &#xA3;750 million announced today, as part of our
overall capital distribution approach as well as inorganic opportunities provided they are consistent with our
strategy and have a strong shareholder value case.
  &#x2013; As part of the NatWest Group capital and funding plans we intend to issue between &#xA3;3 billion to &#xA3;5 billion
of&#x202F;MREL-compliant instruments in 2022, with a continued focus on issuance under our Green, Social and
Sustainability Bond Framework. NatWest Markets plc&#x2019;s funding plan targets &#xA3;4 billion to &#xA3;5 billion of public
benchmark issuance.
Ulster Bank RoI
  &#x2013; We have made good progress on our phased withdrawal from the Republic of Ireland and expect the majority of
the Allied Irish Banks and Permanent TSB asset sales to be largely complete by the end of 2022 and deposits to
reduce over a longer timescale.
  &#x2013; We would expect income and RWAs to follow the balance sheet trajectory. We expect the cost base to reduce
over time and anticipate other operating expenses, excluding withdrawal related costs, in 2023 will be around
&#x20AC;200 million lower than 2021.
  &#x2013; We expect to incur disposal losses through income of around &#x20AC;300 million in 2022 and withdrawal related costs
of around &#x20AC;600 million across 2022-24, with around &#x20AC;500 million incurred by the end of 2023.
  &#x2013; We expect the phased withdrawal to be capital accretive.
NatWest Group plc &#x2013; Annual Report on Form 20-F 51
  The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc management&#x2019;s current expectations and are subject to change, including as a
result of the factors described in the Risk Factors section on pages  136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer
to  the forward-looking statements on page 1 of the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g054.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Section 172(1)
statement
In this statement we describe how
our directors have had regard to the
matters set out in section 172(1) (a) to
(f) of the Companies Act 2006 (section
172) when performing their duty to
promote the success of the company.
Board engagement with stakeholders
Supporting effective Board discussions
and&#x202F;decision-making
Our purpose continues to influence Board discussions
and decision-making.
Our Board and Committee terms of reference reinforce the
importance of considering both our purpose and the matters
set out in section 172. Our Board and Committee paper
template includes a section for authors to explain how the
proposal or update aligns with our purpose and a separate
section for them to include an assessment of the relevant
stakeholder impacts for the directors to consider.
Our directors are mindful that it is not always possible to
achieve an outcome which meets the requirements, needs
and/or expectations of all stakeholders who are, or may be,
impacted. For decisions which are particularly challenging
or&#x202F;complex, we introduced an additional page to our paper
template in 2021 which provides directors with further
information to support purposeful decision-making. This
additional page uses the Blueprint for Better Business as
a&#x202F;base and is aligned to our broader purpose framework.
Principal decisions
Principal decisions are those decisions taken by the Board
that are material, or of strategic importance, to the company,
or are significant to NatWest Group&#x2019;s key stakeholders.
This statement describes three examples of principal
decisions taken by the Board during 2021.
Likely long-term consequences.
Employee interests.
Relationships with customers, suppliers and others.
The impact on community and environment.
Maintaining a reputation for high standards of business
conduct.
Acting fairly between members of the company.
Section 172(1) statement
Withdrawing from the
Republic of Ireland
What was the decision-making process?
In February 2021, the Board took the decision to commence
a&#x202F;phased withdrawal from the Republic of Ireland. This was a
very carefully considered decision by the Board that followed a
strategic review of the Ulster Bank business in the Republic of
Ireland, which concluded that Ulster Bank Ireland Designated
Activity Company (UBIDAC) would not be able to generate
sustainable long-term returns for NatWest Group plc&#x2019;s
shareholders. Alongside the decision to withdraw, it was
announced that a non-binding Memorandum of Understanding
with Allied Irish Banks, p.l.c had been entered into in connection
with the sale of a portion of UBIDAC&#x2019;s performing commercial
loan book.
To support the Board in its decision-making, it received
comprehensive papers prepared by management which
updated the Board on the progress of each stage of the
strategic review and sought the Board&#x2019;s support to proceed to
the next stage. These papers included detailed analysis of the
potential options available to execute the withdrawal (including
potential counterparties and transactions), valuations, financial
impacts, key risks, and stakeholder impacts and engagement
plans. During its discussions, the Board acknowledged the
complexity and challenges of a withdrawal and the various
options were explored through the lenses of time, value,
execution risk and stakeholder impacts.
How did the directors fulfil their duties under section
172? How were stakeholder interests considered?
At each stage of the strategic review the directors were
mindful of their duties under section 172 including the likely
long-term consequences of the decision. Each update the
Board received provided an overview of relevant stakeholder
considerations. The Board discussed in detail the various
stakeholders that would be impacted (including shareholders,
employees, customers, suppliers, regulators and communities),
what their concerns were likely to be and the key messages
that would support engagement. The Chairman and Group
CEO undertook engagement directly with key stakeholders and
reported back to the Board on their discussions. The UBIDAC
CEO also attended each meeting at which the strategic review
was discussed to provide direct feedback to the Board on
stakeholder concerns and considerations.
How was our purpose considered as part of the decision?
Considering relevant stakeholder interests is key to purposeful
decision-making. Our new purposeful decision-making page
was used to provide the Board with a detailed analysis of
stakeholder considerations and impacts, using the Blueprint
for&#x202F;Better Business framework. Having taken the decision to
withdraw, the Board agreed this should be done in an orderly
manner that was considerate to customers, colleagues,
suppliers and other stakeholders.
Actions and outcomes
The Board continues to receive updates on the execution
of&#x202F;the withdrawal. A binding agreement was subsequently
reached with Allied Irish Banks p.l.c. on the sale of the
majority&#x202F;of UBIDAC&#x2019;s performing commercial lending portfolio.
Factors considered:
NatWest Group plc &#x2013; Annual Report on Form 20-F 52
The Board reviews and confirms its key stakeholder groups
for the purposes of section 172 annually. For 2021, they
remained customers, colleagues, communities, investors,
regulators and suppliers. Examples of how the Board has
engaged with key stakeholders, including the impact on
principal decisions, can be found in this statement and on
pages 14 to 17 of this document (stakeholder engagement)
and pages

                86 to 97 of this document (Corporate
governance report).</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g055.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Approving capital
distributions
Approving our
refreshed values
What was the decision-making process?
During 2021, the Board recommended a final dividend, agreed
to participate in a directed buyback of ordinary shares from
Her Majesty&#x2019;s Treasury, approved an interim dividend and
agreed to commence an on-market buyback of ordinary
shares, as well as providing outlook guidance to investors
on&#x202F;capital distributions.
The Board&#x2019;s decisions were informed by the 2021 capital
distribution plans as well as regular updates on NatWest Group
plc&#x2019;s financial and capital positions. A key focus of Board-level
discussions was how surplus capital was being managed.
The Group Board Risk Committee also reviewed all capital
distributions proposals in advance of Board consideration,
and&#x202F;recommended them to the Board for approval.
How did the directors fulfil their duties under section
172? How were stakeholder interests considered?
Again, in taking decisions, the directors were mindful of
their&#x202F;duties under section 172. For the dividend decisions the
directors were particularly focused on whether the declaration
of a dividend would support the long-term sustainable success
of the company. The Board also sought advice from NatWest
Group plc&#x2019;s corporate brokers on investor expectations in
respect of the outlook guidance.
How was our purpose considered as part of the decision?
The Board is aware that in taking decisions on capital
distributions, it also needs to consider the financial implications
of those decisions in terms of continuing to support customers
and maintaining financial stability.
Actions and outcomes
The final dividend of 3 pence per ordinary share was approved
by shareholders at the Annual General Meeting in April 2021
and an interim dividend of 3 pence per ordinary share was
approved by the Board in July 2021.
The outlook guidance on capital distributions was announced
as part of the 2020 annual results in February 2021. It stated
that, subject to market conditions, the company intended to
maintain ordinary dividends of around 40% of attributable
profit and aimed to distribute a minimum of &#xA3;800 million per
annum from 2021 to 2023 via a combination of ordinary and
special dividends. This was updated by the Board in July 2021
which increased the outlook guidance for capital distributions
from &#xA3;800 million to &#xA3;1 billion for 2021 and future periods
(again subject to market conditions).
In March 2021, the company participated in a directed
buyback of ordinary shares from Her Majesty&#x2019;s Treasury and
in July 2021 the Board agreed to commence an on-market
buyback of ordinary shares, further reducing the UK
Government&#x2019;s shareholding in NatWest Group plc.
What was the decision-making process?
In July 2021, the Board received an update on the work being
undertaken to refresh our values and the related behavioural
framework to provide greater alignment to our purpose and
strategy. At that time, the Board confirmed its support for the
refresh and noted that the final proposal would be brought
back to the Board for approval.
In December 2021, the Board was presented with detailed
proposals from management seeking approval for the
recommended refreshed values and behaviours. The paper
explained the behavioural science and data-led approach that
had been adopted and the range of stakeholders that had
been engaged. The paper also set out the first draft of the
people proposition that would be aligned to the refreshed
values. The Board discussed the proposals and provided
positive feedback on both the approach taken and the
refreshed values.
How did the directors fulfil their duties under section
172? How were stakeholder interests considered?
The paper explained very clearly the stakeholder engagement
that had been undertaken in developing the refreshed values
and the draft people proposition, both in terms of the stakeholder
groups consulted (which included colleagues, customers and
communities) and the methods of engagement used (such as
interviews with senior executives, workshops, focus groups,
digital surveys, external partner review by Blueprint for Better
Business and virtual engagement). A stakeholder overview also
set out stakeholder impacts and a number of Board members
provided direct input and feedback as part of the stakeholder
engagement process. Colleagues were, understandably, the
key focus of the Board&#x2019;s discussions.
How was our purpose considered as part of
the&#x202F;decision?
The refresh of our values was undertaken to provide greater
alignment with our purpose and strategy and the Board
acknowledged this as part of its discussions.
Actions and outcomes
The Board approved the refreshed values in December 2021
and noted the intention to launch them to colleagues,
customers and communities in 2022.
Factors considered: Factors considered:
&#x201C;The Board knows how important it is
to engage with our stakeholders, to
listen to them and to consider their
interests during Board discussions and
decision-making. Understanding the
needs of our stakeholders is at the
core of our purpose framework.&#x201D;
Howard Davies,
Chairman
NatWest Group plc &#x2013; Annual Report on Form 20-F 53 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g056.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Listening and responding to our customers
We want to know what our customers think about
us. It helps us better understand their needs and
improve the products and services we&#x202F;offer.
The insight from these surveys is reported at the most senior
levels of the bank and plays a crucial role in how we address
the evolving requirements of our customers. In 2021, we
responded to customer feedback with a range of
innovative&#x202F;solutions.
Stakeholder focus areas
Customers
Customer trust
NatWest
74%
Q4 2021
76%
Q4 2020
Royal Bank
of Scotland
68%
Q4 2021
61%
Q4 2020
Source: Yonder reputation tracker, GB, trust amongst Retail Banking customers
Listening, engaging and
partnering with our stakeholders
is vital for the success of our
business. It helps us to address
our operational impacts
and&#x202F;improve outcomes for
customers, society and the
environment. In the following
sections we detail some of the
notable steps we have taken
to respond to our stakeholders&#x2019;
changing requirements
during 2021.
So that customers can settle payments easily between family
and friends (without the need to share account details or hold
cash), we launched &#x2018;PayMe&#x2019;. This service uses Payit, our Open
Banking Payments solution, to request a payment from anyone
who uses online or mobile banking and has a participating UK
Bank account. Payment can be made via a link or QR code,
which can be scanned by any device with a camera.
Our approach to Open Banking and the innovative use of
data&#x202F;has also created opportunities for reusing services and
capabilities across NatWest Group products, making it simpler
and quicker to develop and deploy them to our customers.
For example, through Tyl, Payit and Mettle we will be able to
offer a seamless, one-bank payments proposition, delivering
personalised, smart insights for businesses so they can track
sales, target customers and grow loyalty.
Elsewhere, a new feature launched in 2021 in the mobile
banking app to enable our retail and commercial customers
to&#x202F;deposit cheques has swiftly become one of the app&#x2019;s
most&#x202F;used features &#x2013; testament to both the demand for,
and&#x202F;usability of the function. For our Commercial Banking
customers, we also enhanced our digital platform offering
&#x2018;Bankline&#x2019;, with new and improved functionality within
the&#x202F;service.
Making banking more accessible
We recognise that our customers&#x2019; individual needs are all
different. As such, we aim to make banking as accessible
as&#x202F;possible for everyone, offering our customers the ability
to&#x202F;choose from a variety of face-to-face, digital and
remote&#x202F;options.
We have more than 800 branches and 16,000 physical points
of presence, including our ATM network and our relationship
with the Post Office, which remain an important part of how
we deliver services to our customers and communities.
NatWest Group plc &#x2013; Annual Report on Form 20-F 54
To achieve this, we have in place a framework of independent
customer feedback surveys that measure satisfaction across
our business segments. In terms of customer advocacy in 2021,
Net Promoter Scores (NPS) for Retail Banking improved by
six points for NatWest and seven points for Royal Bank of
Scotland. Business Banking NPS remained flat. In Commercial
Banking NPS declined by two points for NatWest and six points
for Royal Bank of Scotland. Refer to page 56 of this document
for the full breakdown of scores.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g057.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Customers can now also take greater digital control of
their&#x202F;finances through our mobile app, including the ability
to&#x202F;open an account, check their credit score and apply for a
mortgage. Our app is compatible with both Apple and Android
accessibility features such as inverting colours and magnifiers,
as well as biometric log-ins. We have also introduced a dark/
light mode for customers with visual impairments or dyslexia.
Our AI virtual assistant, Cora supports customers via the
&#x2018;message us&#x2019; feature in the app, and our contact centre
colleagues are just a click away with the &#x2018;tap to call&#x2019; function.
When our customers want the reassurance of a face-to-face
conversation remotely, our video banking service is available.
We offer customers who require additional support a range of
accessibility services, such as accessible statements in braille,
large print and audio CD. BT&#x2019;s Relay UK service also supports
customers with hearing impairments through a type-to-talk
service, while accessible card readers, rubber signature
stamps, braille card wallets and our talking ATM service
are&#x202F;other key accessibility features.
Combating financial crime
Detecting and preventing financial crime to protect people,
families and businesses is a key priority for NatWest Group.
Along with other major banks and telecoms companies, we
participated in a pilot scheme to introduce a hotline to help
fight fraud across the industry and protect our customers
from&#x202F;fraud and scams.
Spearheaded by Stop Scams UK (SSUK), the phone
number&#x202F;&#x2018;159&#x2019; is designed to disrupt scams in which victims
have been contacted or engaged by a scammer via phishing or
impersonation. The number works by encouraging customers
experiencing suspected fraud to stop, hang up and call 159,
at&#x202F;which point they are directed to their bank.
Supporting customers in vulnerable situations
At any time, a customer may find themselves either in a
vulnerable situation or caring for a loved one experiencing a
vulnerability. The continuing impact of COVID-19 has meant
that for many of our customers this was a reality in 2021. Our
dedicated customer care line, which was set up in response to
the pandemic, has continued to support a significant number of
our customers in 2021. Our support service &#x2018;Banking My Way&#x2019;
continues to develop, with customers now able to tell us about
the support they need by updating their details in the new
mobile app function.
In 2021, we continued to work with organisations such
as&#x202F;&#x2018;GamCare&#x2019; and the &#x2018;Money Advice Trust&#x2019; to improve
the&#x202F;support available to customers in vulnerable situations,
connecting them to expert advice where appropriate. We also
significantly expanded our referral programme with Citizens
Advice, connecting customers to their advisers where we
identify additional advice or vulnerability needs. In February
2021, with the domestic abuse charity SafeLives, we launched
The Circle Fund. The Circle Fund, available for three years,
supports SafeLives to provide small grants to help economic
abuse victims and survivors to regain financial confidence
and&#x202F;control. This follows from our announcement to donate
&#xA3;1&#x202F;million for the fund in 2020.
We know how important our branches are
to our customers. But we also know that the
ways in which our customers live, work and
bank have altered dramatically in the past
two years. To meet these changing needs
and to help people, families and businesses
to rebuild and thrive, we plan to turn our
branches into sustainable local banking hubs.
We want to provide our customers a space in the
heart of our high streets with a range of specialist
services, venturing beyond traditional banking to
help break down barriers to enterprise and increase
financial capability. Our Broadmead Bristol hub,
which opened earlier in 2021, is the first example
of&#x202F;this.
Within the hubs, retail customers are able to
connect&#x202F;face-to-face and learn more about financial
education and how to best manage their money,
and businesses can access expert advice and
collaboration spaces. The hubs will also include
enterprise zones, where potential and current
customers can liaise with local enterprise managers
and other specialists with access to initiatives such as
&#x2018;Women in Business&#x2019; or our &#x2018;Accelerator&#x2019; programme.
Among the other features are: dedicated events
and&#x202F;learning spaces, which can also be used by
local charities or community groups; customer hot
desks offering free Wi-Fi; private consultation rooms,
where we can provide confidential assistance to
customers both face to face and digitally; and
self-service areas with colleague assistance to
support people with simple banking transactions
quickly and conveniently.
And from listening to our customers, we understand
that managing the environmental impact of the
space is vital. To help reduce waste and promote
sustainability, we&#x2019;ve incorporated recycled furniture,
included water bottle refill stations for customers
and removed paper marketing materials. We&#x2019;ll
also&#x202F;measure the climate impact of our new
local&#x202F;banking hubs through the SKA and Energy
Performance Certificate (EPC) assessments.
NatWest Group plc &#x2013; Annual Report on Form 20-F 55 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g058.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Account opening Q4 2021
28
Q4 2021
14
Q4 2021
45
Q4 2021
25
Q4 2021
78
Dec 2021
74%
Q4 2021
37
Dec 2021
68%
Q4 2020
16
Q4 2020
16
Q4 2020
44
Q4 2020
22
Q4 2020
76
Dec 2020
76%
Q4 2020
32
Dec 2020
61%
Source: Strategic NPS benchmarking study run
through InMoment
Source: Strategic NPS benchmarking study run
through InMoment
Source: Strategic NPS benchmarking study run
through InMoment
Source: Strategic NPS benchmarking study run
through InMoment
Source: Operational NPS study run
through&#x202F;InMoment
Source: Yonder reputation tracker, GB,
Trust&#x202F;among Retail Banking customers
Source: Operational NPS study run
through&#x202F;InMoment
Source: Yonder reputation tracker, GB,
Trust&#x202F;among Retail Banking customers
Lending
NatWest
Mortgage
Day-to-day servicing
Royal Bank of Scotland
Mobile Banking
Online Banking
Retail Banking
Business and Commercial Banking
Customer Trust
Stakeholder focus areas continued
Overall NPS
NatWest
Royal Bank of Scotland
Business
Q4 2021
-2
Q4 2021
-12
Q4 2020
-2
Source: MarketVue
Business Banking from
Savanta, England &amp;
Wales, businesses with
a turnover up to &#xA3;2m
Q4 2020
-13
Source: MarketVue
Business Banking from
Savanta, Scotland,
businesses with a
turnover up to &#xA3;2m
Q4 2021
22
Q4 2021
21
Q4 2020
24
Source: MarketVue
Business Banking from
Savanta, England &amp;
Wales, businesses with
a turnover up to &#xA3;2m
Q4 2020
27
Source: MarketVue
Business Banking from
Savanta, Scotland,
businesses with a
turnover over &#xA3;2m
Commercial
Banking:
Retail
Q4 2021
13
Q4 2020
7
Source: Strategic NPS
benchmarking study run
through InMoment,
England &amp; Wales
Q4 2021
-2
Q4 2020
-9
Source: Strategic NPS
benchmarking study run
through InMoment,
Scotland
Customers continued
Our brands are our main connection with customers. We track customer advocacy for our key brands and services using the Net
Promoter Score (NPS), a commonly used metric in banking and other industries across the world.
NatWest Group plc &#x2013; Annual Report on Form 20-F 56 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g059.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Investors
Transparency and engagement
Private investors
We engaged with our private investors through
our Annual General Meeting (AGM), virtual
shareholder events, and our annual and
strategic&#x202F;report communications.
In light of ongoing restrictions related to the COVID-19
pandemic, investors were not be able to attend the 2021
AGM&#x202F;in person. However, we held a live virtual shareholder
event a week prior to the AGM. Investors were invited to
submit questions either in advance of, or during, the virtual
event and the answers to questions on key themes were
displayed on our website.
In addition, we held two further virtual events in July and
November 2021. At these events, we spoke about the work
NatWest Group is doing to support and stimulate enterprise,
why it was so important for us to sponsor COP26 and how
tackling climate change is at the core of our purpose. These
virtual shareholder events remain a key component of our
stakeholder engagement programme and provide an
opportunity for private investors to hear from, and ask
questions of, Board members and senior management on
topics such as innovation, enterprise, sustainability and our
financial performance. It is our intention to deliver further
virtual events in 2022.
In addition, we published investor updates on the topics of
&#x2018;Championing Enterprise&#x2019; and &#x2018;Our Purpose: Beyond COP26&#x2019;.
These updates provided information on initiatives such as the
relaunch of our enterprise programme, the additional &#xA3;1 billion
in funding to help support female-led businesses in the UK
recover from the pandemic, the introduction of our carbon
footprint tracker for our mobile app and our launch of the
UK&#x2019;s&#x202F;first carbon-neutral podcast. Our investor updates and
recordings of our virtual events can be found on our website.
Institutional investors
We have a well-established programme of engagement
with&#x202F;our institutional investors. The financial year begins
with&#x202F;a&#x202F;presentation on our annual results in February, hosted
by our&#x202F;Chairman, CEO and CFO. This live event includes an
interactive Q&amp;A session to give research analysts and investors
an opportunity to ask questions and engage with our
management team. We then follow up quarterly with
presentations to the market when we announce each set of
financial results in April, July and October. While these events
could not be held face to face in 2021, we were able to host
a&#x202F;live presentation and Q&amp;A session via Zoom, enabling the
same level of interaction in a virtual forum.
In addition to the quarterly results presentations, we hosted a
programme of virtual one-to-one and group meetings with
institutional investors from around the world. Across our
management team, we hosted over 250 meetings with
investors covering key topics such as progress against our
financial targets, strategic priorities, innovation, ESG and
industry challenges. While the total number of one-to-one
meetings was lower than the prior year when we saw an
unusually heightened demand for time with management due
to the pandemic, our CEO and CFO engaged regularly with UK
Government Investments and our largest active institutional
investors throughout the year.
To enhance our investor relations programme during a
challenging time when we were unable to meet face to face,
we hosted a series of &#x2018;Meet the Exco&#x2019; and business spotlight
presentations via Zoom. These events gave analysts and
investors the opportunity to hear from key members of our
executive team as they discussed their priorities for the year
ahead and to ask questions live over Zoom.
Environmental, Social and Governance (ESG) issues were
regularly discussed at our one-to-one meetings and we also
engaged with specialist socially responsible investors through
a&#x202F;programme of meetings with ESG analysts from institutional
investors, presentations at ESG-focused conferences and
increased interactions with sustainability rating agencies.
Alongside the virtual shareholder events mentioned above,
members of our Board hosted a live virtual corporate
governance forum. This gave investors the opportunity to hear
an update on Board priorities in 2021 and the opportunity for
a&#x202F;discussion on corporate governance topics directly with our
non-executive directors.
A key development in terms of the transparency of our
business during 2021 was the enhancement of two key
areas&#x202F;of our non-financial reporting. In recognition that
climate&#x202F;change is a critical global issue which has significant
implications for our investors (as well as our customers,
employees, suppliers and partners), we produced our first
standalone Climate-related Disclosures Report in February
2021. This comprehensive document was a material step
towards alignment with the Financial Stability Board&#x2019;s Task
Force on Climate-related Financial Disclosures (TCFD)
recommendations and recommended disclosures. The report
covered our climate strategy and associated ambitions,
governance, scenario analysis, risk management and
climate-related metrics.
We also produced our first Environmental, Social and
Governance Supplement &#x2013; providing investors and other
stakeholders with a deeper understanding of the work that
we are doing to understand and manage issues facing our
business, customers, communities and society as a whole.
NatWest Group plc &#x2013; Annual Report on Form 20-F 57 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g060.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Colleagues
Helping our colleagues to thrive
We want NatWest Group to be a great place
to&#x202F;work. By offering a fulfilling job, a healthy
workplace, fair rewards, excellent development
and great leadership, we believe together our
colleagues can thrive and unlock the full potential
of NatWest Group.
Our People Pledge sets out commitments and initiatives in
direct response to what colleagues tell us is important to help
them in their jobs. Throughout 2021, we have worked with
colleagues to champion their potential across all five parts
of&#x202F;the pledge: &#x2018;Help you develop your skills&#x2019;; &#x2018;Support your
wellbeing&#x2019;; &#x2018;Help customers thrive&#x2019;; &#x2018;Create inclusive and
connected teams&#x2019;; and &#x2018;Help you make a difference&#x2019;.
The pandemic has drastically altered how we work and has
changed (perhaps forever) the relationship between employers
and employees. We listen to our colleagues and use this insight
to attract, engage and retain the best talent for the future. Our
colleague listening strategy &#x2013; which includes: our colleague
opinion surveys; a Colleague Advisory Panel (CAP) that
connects colleagues directly with our Board; the &#x2018;Colleague
Experience Squad&#x2019;, a group of colleagues who volunteer to
provide feedback on colleague products and services; and
Workplace, our social media platform &#x2013; contributes to our
deeper understanding of colleague sentiment. We also track
metrics and key performance indicators which we can
benchmark with sector and high-performing comparisons.
Over 46,700 colleagues (81%) participated in our September
2021 Our View survey. The results showed that colleague
sentiment remains strong, despite the pandemic. Lead
measures in culture, purpose, inclusion and building capability
showed a continued and sustained year-on-year improvement
(+1 percentage point each). Across all 15 measured categories,
NatWest Group sits an average of 11 percentage points above
the Global Financial Services Norm (GFSN) and five percentage
points above the Global High Performance Norm (GHPN).(1)
Regular interactions with our employee representatives such
as trade unions, elected employee bodies and works councils
are a vital means of transparency and engagement for us.
We&#x202F;frequently use these sessions to discuss developments
and&#x202F;updates on the progress of our strategic priorities. In 2021,
topics included &#x2018;ways of working&#x2019; and &#x2018;health and safety in the
context of the pandemic&#x2019;. We are also committed to respecting
our employees&#x2019; rights of freedom of association across all our
business. In addition, our CAP was set up in 2018 to help
promote colleague voices in the boardroom. For full
details,&#x202F;refer to the Corporate governance report
and&#x202F;ESG&#x202F;Supplement.
Performance and reward
Our approach to performance management provides clarity for
our colleagues on how their contribution links to our purpose,
with all colleagues set performance goals across a balanced
scorecard of measures. We continue to ensure employees are
paid fairly for the work they do and are supported by simple and
transparent pay structures in line with industry best practices.
We keep our policies and processes under review to ensure we
do so. In general, the scores from the reward category in Our
View declined since 2020, although in all but one category they
remain above the GFSN. We will be looking to address this,
subject to performance, in 2022.
In the UK, our rates of pay continue to exceed the Living Wage
Foundation benchmarks and we ensure employees performing
the same roles are paid fairly. We ensure colleagues have an
awareness of financial and economic factors affecting our
performance through quarterly &#x2018;Results Explained&#x2019;
communications and &#x2018;Workplace Live&#x2019; events with our Group
Chief Executive Officer and Group Chief Financial Officer.
Refer to our Directors&#x2019; remuneration report for full details
on&#x202F;our remuneration policies and employee share plans.
Helping colleagues realise their potential
At NatWest Group, we exist to champion potential and help
people, families, and businesses to thrive &#x2013; helping them at
every stage of their lives. We&#x2019;ll achieve our ambition to be a
relationship bank for a digital world by working together as
one team, across NatWest Group. Investing in our workforce in
a variety of ways helps us achieve that. To support this, we&#x2019;re
building a learning organisation that tests ideas and learns
every day &#x2013; helping colleagues develop the capabilities to
stay&#x202F;relevant and employable for the future.
The COVID-19 pandemic has accelerated the pace of change,
and it is likely that predictions made for 5-10 years&#x2019; time &#x2013;
working seamlessly alongside robotics, smarter uses of AI
and&#x202F;collaboration across organisations and boundaries &#x2013; will
become the norm more quickly. This will have a significant
impact on how people work and the capabilities they will
need&#x202F;to thrive in this new world.
At NatWest Group, we believe that we have an obligation to
help build skills across our industry. Working with the Financial
Services Skills Commission, we led the build of an industry-
wide skills framework that is available via an online tool to all
financial services organisations in the UK. Its purpose is to
create a consistent language around skills across the industry
&#x2013; which in turn will support mobility and is in line with our
commitment to support wider communities.
In 2021, we provided all colleagues with access to build future
skills through the NatWest Group Learning Academy, bringing
together learning opportunities and curated content into a
single&#x202F;place. This supports our commitment for all colleagues
to&#x202F;be upskilled in future-focused skills by 2025. Around 80% of
colleagues have used it since it launched in 2020 and, in 2021,
we&#x2019;ve offered new topics including cybersecurity and innovation.
It has helped us to increase colleague learning completions
by&#x202F;10%, with our target (aligned to the UN Sustainable
Development Goals) to increase them by 50% at the end
of&#x202F;2023.
As well as increasing our colleagues&#x2019; learning and
development, we&#x2019;re also focused on ensuring that it&#x2019;s the right
kind. We have made a commitment that half of all learning at
NatWest Group is focused on building critical skills for the
future. We have prioritised data and digital capability and have
given our colleagues access to a range of opportunities to build
these skills through the NatWest Group Academy. Early
Stakeholder focus areas continued
(1)  NatWest Group Our View results exclude Ulster Bank RoI.
NatWest Group plc &#x2013; Annual Report on Form 20-F 1
NatWest Group plc &#x2013; Annual Report on Form 20-F 58 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g061.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Supporting our colleagues&#x2019; wellbeing
To be part of NatWest Group means being part of
something bigger than ourselves, where the strength
of our culture underpins everything we do; an
organisation where we all learn, grow, thrive and
support each other. A vital part of this is having a
fully embedded wellbeing strategy; refer to our ESG
Supplement for full details.
progress is positive with data learning up 134% and digital
learning up 31%. We also continue to invest in our people to do
their job, with 99.6% of our front-line colleagues professionally
accredited within their first 18 months in role.
We are committed to reskilling colleagues whenever possible.
The Mobility Hub supports with redeploying colleagues and
reskilling them for future work. In 2021, we commenced our
first formal reskill programme, with 20 colleagues who were at
risk of redundancy taking the opportunity to reskill as software
engineers. Of these, 17 accepted permanent positions.
In 2021, we launched our global Talent Academy to help
identify and develop colleagues with high potential through
a&#x202F;programme of challenging and purposeful development
opportunities. For the first time, colleagues were encouraged
to&#x202F;self-nominate regardless of role, level, working pattern
and&#x202F;location. Following a robust assessment process, 3,911
colleagues were accepted on to the programme. The cohort
is&#x202F;53% male and 47% female, and 23% of the successful
applicants come from a Black, Asian and Minority Ethnic
background, thus providing NatWest Group with a diverse
talent pipeline for the future.
As we committed to, we hired over 1,000 interns, graduates
and apprentices in 2021; including 205 colleagues who were
recruited through our social mobility apprentice programmes
and we aim to hire a further 1,100 interns, graduates and
apprentices in 2022.
We are also focusing on building our leaders&#x2019; capabilities,
which is critical to delivering our purpose-led strategy.
Our&#x202F;&#x2018;Determined to Lead&#x2019; programme has helped focus
and&#x202F;energise our people leaders, cultivating a framework for
common leadership behaviours and practices. In addition, our
leadership, talent and career support activity is enabled by our
new Leadership and Coaching Faculty. This resource gives
our&#x202F;leaders access to clear thinking, relevant frameworks
and&#x202F;problem-solving approaches at the point of need.
Supporting this, our succession planning processes enhance
our framework to spot, develop and mobilise a diverse pool
of&#x202F;our most promising talent. Successors are assessed and
developed against a purpose-led profile that defines the
behaviours, traits and drivers associated with success in a
purpose-led role and organisation. Our Succession Council
gives bank ExCo successors the opportunity to engage directly
with the CEO and other ExCo members to ensure they have
the potential and aspiration to reach ExCo level. Our most
talented senior leaders are given exposure through Board &amp;
Talent sessions with interactive sessions discussing topics
that&#x202F;are shaping the direction of NatWest Group.
Following the success of our first NatWest Junior Management
Team (JMT), a second cohort was selected in September 2021.
The JMT mirrors the NatWest Group Executive Committee and
brings a fresh perspective and voice to that team. They also
deliver key strategic projects to broaden their experience,
exposure and connections across NatWest Group.
Refer to our ESG Supplement for full details on how we
support colleagues to realise their potential.
Diversity, equity
and inclusion
Creating a diverse, equitable and inclusive workplace is
integral to fulfilling our purpose. It enables us to truly connect
with, and serve, our diverse customers and communities with
the products and services they need. We remain committed
to&#x202F;progressing our diversity, equity and inclusion strategy,
focusing on becoming gender balanced, ethnically diverse,
disability smart, LGBT+ innovative and an inclusive workplace.
Inclusive workplace
Colleague sentiment on inclusivity continued to increase
in&#x202F;2021, reaching a score of 93 percentage points. We are
14&#x202F;percentage points above the GFSN and 10 percentage
points above the GHPN. Although sentiment has increased
in&#x202F;all colleague groups, our focus is now on where scores
may&#x202F;vary for our minority colleague groups.
Our 2021 Inclusion Week showcased diversity, equity and
inclusion across our business. This offered time to reflect on
why we need a diverse and inclusive workplace, to celebrate
the progress we are making, and challenge ourselves to do
more. We also continued to focus on behavioural change
through new and enhanced learning modules. These include
our mandatory learning and additional optional learning (such
as &#x2018;Choose to Challenge&#x2019;, which educates colleagues on the
importance of challenging behaviours that are not inclusive).
For more details refer to our ESG Supplement.
We continued to support our employee-led networks, which
have around 24,000 members globally. These include: Gender,
Multicultural, Disability, Rainbow (LGBT+), Armed Forces,
Families &amp; Carers, Sustainable Futures, and Aspire. In 2021,
NatWest Markets Americas&#x2019; Energized Employees Network
(and sub-networks) focused on uniting and empowering
colleagues by running several events and initiatives, including
&#x2018;One Small Step: The George Floyd Verdict&#x2019; hosted by the
Black Professional Network and &#x2018;New Ways of Working
and&#x202F;the&#x202F;Impact on Women&#x2019; hosted by the Gender Network.
We have been listed in the &#x2018;Working Families Benchmark Top
10 Employers&#x2019;, showing that we are among those leading the
way in building a flexible, family-friendly workplace. We have
also been accredited as a &#x2018;Good Work Standard&#x2019; employer at
Excellence (highest) level by the Mayor of London&#x2019;s office.
We marked &#x2018;South Asian Heritage Month&#x2019; with cultural
celebrations and awareness campaigns that define the diverse
cultural tapestry of our South Asian colleagues. We ran events
(such as wedding traditions across different faiths) and created
a memory wall for colleagues to share personal histories.
For the third consecutive year, NatWest Poland received the
highest score in &#x2018;Diversity IN CHECK&#x2019; &#x2013; a certification granted
to employers well advanced in managing diversity and
inclusion considerations.
References to &#x2018;colleagues&#x2019; in this Strategic report mean all members of our workforce
(for example, contractors, agency workers).
NatWest Group plc &#x2013; Annual Report on Form 20-F 59 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g062.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Gender balanced
Our Board composition exceeds the FTSE Women Leaders
target with a figure of 36% female representation. We have
female representation of 29% on our executive management
team, with a female Chief Executive Officer, Chief Financial
Officer, Chief Marketing Officer, Chief People &amp; Transformation
Officer and Chief Governance Officer &amp; Company Secretary.
We have a target to have full gender balance in our CEO-3
and above global roles by 2030. At 31 December 2021, we
had, on aggregate, 38% women in our top three layers, a
decline of 1% since 31 December 2020. While representing
an&#x202F;increase of 9% since targets were introduced in 2015, we
know we have more to do and we continue to focus on the
recruitment, retention and advancement of women to meet
our 2030 target.
The mean gender pay gap for NatWest Bank is 30.1%
(median:&#x202F;34.2%) and the mean gender bonus gap is 26.0%
(median: 12.5%). The statutory bonus gap calculated in line
with regulation is the number including recognition vouchers
(mean 50.5%; median 92.9%). This means that even colleagues
who received a small recognition voucher &#x2013; for example a &#xA3;10
voucher &#x2013; are included in the calculations. Most colleagues in
our more junior jobs only receive fixed pay &#x2013; a change made
to&#x202F;provide more certainty over earnings; and this means
that&#x202F;many colleagues included in the statutory bonus
gap&#x202F;calculations only received a recognition voucher.
We&#x202F;currently have a higher proportion of women in these
roles.&#x202F;We therefore believe the figures excluding recognition
vouchers, 26.0% (median: 12.5%), are the most accurate
reflection of our gender bonus gap today.
In line with being a signatory to HM Treasury&#x2019;s &#x2018;Women in
Finance Charter&#x2019;, we are committed to implementing its four
key industry actions for gender balance across financial
services. Executive Sponsor for Gender, David Lindberg
(CEO,&#x202F;Retail Banking), is also part of the external
Accountable&#x202F;Executive Taskforce for the Charter.
In 2021, we were listed as a &#x2018;Times Top 50 Employer for
Women&#x2019; for the 11th consecutive year. For the fifth year,
we&#x2019;ve&#x202F;retained our place in Bloomberg&#x2019;s &#x2018;Global Gender
Equality Index&#x2019;. NatWest Group India was recognised as the
&#x2018;Winner of Gender Inclusive Workplace&#x2019; by &#x2018;UN Women Asia
Pacific Awards 2021&#x2019; for the region and as a &#x2018;Top 10 Best
Workplaces for Women 2021&#x2019;, awarded by the Great Place to
Work (GPTW) Institute, India. Elsewhere, NatWest Poland won
the &#x2018;Fair to Women&#x2019; award, in recognition of their initiatives
and, more specifically, for supporting women in technology.
We continued our long-standing collaboration with Women
in&#x202F;Banking and Finance (WiBF), a volunteer-led organisation
which aims to connect members to thought leaders, business
leaders and women at all stages of their careers. Alison Rose
was presented with WiBF&#x2019;s first President&#x2019;s Award, recognising
her contribution to financial services over many years.
Ethnically diverse
Introduced in 2018, our ethnicity target is to have 14% Black,
Asian and Minority Ethnic colleagues in our top four layers
(CEO-4 and above) in the UK by 2025. At 31 December 2021,
Stakeholder focus areas continued
of 86% of colleagues who disclosed their ethnicity in the top
four layers in the UK, we have on aggregate 11% Black, Asian
and Minority Ethnic colleagues. This represents a 3% increase
since targets were introduced. Overall, of those who disclose
their ethnicity, 17% of colleagues in the UK identify as Black,
Asian and Minority Ethnic.
In line with our commitment to transparency under the UK
Government&#x2019;s Race at Work Charter and in anticipation of
a&#x202F;requirement to disclose our ethnicity pay gap, we have
voluntarily disclosed our ethnicity pay gap for NatWest Group
combined UK &amp; Ireland. The mean ethnicity pay gap for
NatWest Group is 9.3% (median: 13.0%). The mean ethnicity
bonus gap for NatWest Group is 24.2% (median: 17.9%).
These&#x202F;bonus gap numbers are excluding recognition
vouchers,&#x202F;the&#x202F;numbers including recognition vouchers
are&#x202F;32.8% (median&#x202F;46.3%).
We are proud to be placed in the &#x2018;Top 10 Outstanding
Employers&#x2019; as part of &#x2018;Investing in Ethnicity Employer&#x2019;s
Maturity Matrix&#x2019;, a position we have held since its inception
in&#x202F;2018. The Matrix creates a framework and provides a
benchmark to assist employers on their ethnicity journey.
In 2020, we launched the Racial Equality Taskforce to listen,
learn and better understand the barriers faced by colleagues,
customers and communities from Black, Asian and Minority
Ethnic backgrounds. The Taskforce set out ten commitments
in&#x202F;the Banking on Racial Equality report, including a new UK
target to have Black colleagues occupying 3% of UK roles
(CEO-5 and above) by 2025. At 31 December 2021, we have
1.5% of colleagues who identify as Black in the top five layers
in the UK. Overall, of those who disclose their ethnicity, 2%
of&#x202F;our colleagues in the UK identify as Black. In 2021, we
published a first anniversary update on the report, for full
details refer to natwestgroup.com.
In October, we celebrated Black History Month 2021 with
a&#x202F;theme of Black Excellence. This provided opportunities
to&#x202F;celebrate Black people striving to be the best version of
themselves, and spotlight Black role models excelling in their
chosen fields. We ran events throughout the month, with a
keynote lecture from Lord Simon Woolley, supported by
our&#x202F;Executive Sponsors for Ethnicity Simon McNamara
(Chief&#x202F;Administration Officer) and Nigel Prideaux
(Chief&#x202F;Communications Officer).
In 2021, we relaunched our Ethnicity Advisory Council to
support our ethnicity and inclusion strategy. Chaired by Simon
McNamara, nominated diversity and inclusion specialists from
different industries will provide critical challenge, guidance,
and&#x202F;direction on our strategy.
Disability smart
In 2021, we re-launched a career development programme
on&#x202F;a virtual platform for colleagues with a disability to explore
common barriers which impede progress and provide access
to tools and techniques to help overcome them.
We undertook a discovery session with Lexxic (specialist
psychology consultants) to help us create an environment
where neurodiversity can flourish. This helped inform us of
areas for improvement, with the aim of exploring how to
NatWest Group plc &#x2013; Annual Report on Form 20-F 60 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g063.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">become an even more neuroinclusive employer. We have
a&#x202F;roadmap in place, with five key areas: governance and
strategy; awareness and education; positive management
culture; attracting and retaining neurodiverse talent; and
future&#x202F;ways of working.
Since 2019 we have sponsored the Business Disability
Forum&#x2019;s&#x202F;(BDF) Scottish Disability Conference, bringing together
organisations to support each other in becoming disability
smart. In 2021, the conference ran virtually and consisted
of&#x202F;workshops which facilitated group discussions on topics
including disability and diversity in the wake of COVID-19, how
to have conversations about disability at work, and supporting
neurodiverse colleagues in the workplace. The workshops had
more than 330 attendees.
In 2021, we refreshed our disability smart e-learning module
to&#x202F;help colleagues understand how we can be more inclusive
and accessible for all colleagues and customers. The module
included an overview of why accessibility is important
from&#x202F;our&#x202F;Executive Sponsor for Disability, Oliver Holbourn
(Director&#x202F;of Strategy &amp; Ventures) and featured colleagues
sharing experiences.
Our efforts to be disability smart are recognised through a gold
rating in the BDF benchmark and Leader (the highest level)
status in the UK Government&#x2019;s Disability Confident Scheme.
In India, we launched an On-Demand Sign Language
programme to facilitate access to sign language interpreters
for colleagues with hearing impairments for one-on-one
discussion and team meetings. NatWest Group India received
special recognition for disability smart work practices at the
GPTW Diversity &amp; Inclusion Award Summit 2021. In Poland, we
ran a &#x2018;Becoming Disability Smart&#x2019; project to increase support
for colleagues with disabilities. A new assistive technology
and&#x202F;workplace adjustment process was introduced, as well
as&#x202F;updated safety arrangements for disabled colleagues.
LGBT+ innovative
In 2021, we celebrated Pride by running a host of different
events that celebrated some of the successes we&#x2019;ve had with
progressing our work. We also participated in the UK Stonewall
Workplace Equality Index to understand what more we can
do&#x202F;to support our LGBT+ colleagues and customers. This will
provide us with a definitive benchmark and allow us to assess
our achievements and progress on LGBT+ equality going
forward. Our Executive Sponsor for LGBT+, Jen Tippin (Chief
People &amp; Transformation Officer), is guiding and shaping our
roadmap for the future.
During 2021, we created a new LGBT+ e-learning module
to&#x202F;be launched in 2022. The module focuses on establishing
colleagues&#x2019; understanding of various subjects across the gender
identity and sexual orientation spectrum. Our global learning
uses colleagues&#x2019; perspectives and insights from external
partners to enhance understanding. We also reviewed and
updated our international travel safety guidance for LGBT+
colleagues and our family friendly policies to ensure language
and scenarios are LGBT+ inclusive.
As a founding partner of the British LGBT Awards in 2015,
we&#x202F;continued our support in 2021 as a sponsor. The awards
2021 UK ethnicity profile by level
#Black,
Asian and
Minority
Ethnic
#White
%Black,
Asian and
Minority
Ethnic
CEO-3 and above combined 52 566 8
CEO-4 262 2,018 11
CEO-5 886 5,171 15
Target population
2021 Global gender profile by level
#Women #Men %Women
CEO 1 &#x2013; 100
CEO-1 3 12 20
CEO-2 48 80 38
CEO-3 270 429 39
CEO-4 1,298 1,863 41
Target population
Note: Our reporting reflects our organisational (CEO) levels. This is more reflective of
our&#x202F;organisational structure and enables comparison to be made externally. To maintain
integrity, we remove colleagues from our reporting that sit in CEO-3 and above that do
not hold leadership or influential roles.
For ethnicity: Our reporting only includes colleagues who have disclosed their ethnicity.
We report CEO to CEO-3 as a total to comply with GDPR restrictions.
For gender: There are differences between CEO and CEO-1 reporting versus reporting
on&#x202F;the gender balance of our Executive Management Team. Female representation on
our Executive Management Team is 29%
Male Female
Directors of the company 7  4
Executive employees 72  24
Director of subsidiaries 189  68
Permanent colleagues
(active and inactive)
30,000  29,500
There were 353 senior managers (in accordance with the definition
contained within the relevant Companies Act legislation), which
comprises our executive population and individuals who are
directors&#x202F;of our subsidiaries.
spotlight organisations working to better meet the needs of
LGBT+ people. In 2021, Jen Tippin delivered a keynote speech
at the awards and presented the lifetime achievement award.
NatWest Group India received special recognition for LGBT+
workplace practices at the GPTW 2021 Diversity &amp; Inclusion
Award Summit. In Poland, we once again hosted and
organised the NatWest LGBT+ Business Awards in recognition
of organisations and influencers making a real difference to
the&#x202F;lives of LGBT+ people in a very challenging climate.
NatWest Group plc &#x2013; Annual Report on Form 20-F 61
314 2,584 11
(CEO-4 and above combined)
322 521 38
(CEO-3 and above combined)</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g064.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Stakeholder focus areas continued
Young people have been hit hard by
the pandemic. From disrupted study
time to reduced job prospects, the
current generation of pupils and
school leavers will be feeling the
shockwaves of COVID-19 for a long
time to come. &#x2013; Bless Chiwanda
Stronger together
Making a positive contribution to the communities
in which we live and work is integral to delivering
on our&#x202F;purpose.
The last two years have been incredibly tough for many
of&#x202F;our customers, but we have also seen the remarkable
collective support that happens when people come together.
We firmly believe NatWest Group has a role to play in this
process, positively impacting communities at both a local
and national level.
Focused on our communities
During the year we worked with the Centre for Social Justice
(CSJ) to carry out dedicated research into community strength:
&#x2018;Pillars of the Community&#x2019; explored what government, business
and the third sector can do to strengthen local communities as
the UK recovers from the pandemic. The research identified
the barriers that prevent local communities from thriving and
set out a range of policy initiatives that could help to overcome
these barriers.
We were also once again in regular contact with our
communities, including through our regional boards,
leveraging&#x202F;existing relationships and forming new ones. Our
seven regional boards are key to delivering the bank&#x2019;s strategy
at a local level and championing potential across the UK. With
membership drawn from across the bank, the local insight and
strong teamwork of the boards is vital in demonstrating our
purpose to the communities we are part of.
The boards have been particularly important during
the&#x202F;pandemic, bringing people together to help serve our
customers and support our colleagues. In 2021, the regional
boards continued to focus on engaging with colleagues,
customers and communities across the nations and regions
of the UK, particularly in the areas of climate, learning
and&#x202F;enterprise.
Real-life support
We believe in supporting our customers with practical
measures that can help them in their day-to-day lives.
In&#x202F;doing so, we can provide part of the vital infrastructure
that&#x202F;communities need to live and thrive, such as our mobile
banking fleet, which visited nearly 600 communities every
week in 2021.
In response to the pandemic we have changed the way we
interact with our customers and communities, launching video
banking so our customers can meet with us from the comfort
of any location they choose. Elsewhere, NatWest Group&#x2019;s
collaborations with Business in The Community (BITC), Hatch
and Digital Boost are another vital link with our business
communities, providing access to networks, sponsorship
and&#x202F;mentorship opportunities.
Helping young people into work
In 2021, we launched our&#x202F;&#x2018;CareerSense&#x2019;&#x202F;programme &#x2013; which
provides free-to-access tools to develop critical skills and
support youth employability prospects for&#x202F;13 to 24-year-olds &#x2013;
especially for those from low-income families and Black, Asian
and Minority Ethnic backgrounds. In November 2021, we also
Communities
Our CareerSense
programme
Supporting young people into workplaces
Bless Chiwanda
Journey Developer
welcomed our first cohort to the CareerSense &#x2018;Find Your Path&#x2019;,
an initiative for young people not in employment, education or
training, which has been created and delivered in partnership
with regional youth delivery partners. The scheme helps young
people to benefit&#x202F;from a range of skills-development sessions,
mentoring and paid work experience.
To support the CareerSense programme we have developed
the mycareersense.com website, which offers access to a
range of free tools and resources, as well as the learning
content accessed through our NatWest Learning Academy.
In addition, we launched an external learning academy
&#x2018;Learning with NatWest&#x2019; in November 2021 which supports
communities, families and businesses (both customers and
non-customers), focusing on five key capabilities: climate;
employability; entrepreneurship and enterprise; future skills;
and financial capability. For more information, please refer
to&#x202F;our NatWest Group ESG Supplement.
So, when NatWest Group launched the CareerSense
programme in 2021, I saw it as great way of offering some
practical help, and welcomed the&#x202F;opportunity to get
involved.
Along with almost 600 of my colleagues, who
have also volunteered, I became a CareerSense
Ambassador: a role that has involved me supporting a local
high school in Edinburgh, running sessions for S4 pupils.
The experience has been great. Not just because of
the positive feedback from the school, but because I&#x2019;ve
been able to see so many of the young people get engaged
about their next steps. It&#x2019;s also given me the opportunity
to reflect on my own personal development. To think
about the skills and behaviours I use daily to deliver
my work, while also making a positive change to my
local community.
Since its launch in June 2021, over 8,200 pupils have
registered to attend a skills exploration workshop. That&#x2019;s a
lot of young people getting the career support they need.
NatWest Group plc &#x2013; Annual Report on Form 20-F 62 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g065.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our Supplier Charter
As a purpose-led business, we foster strong
relationships with all our key stakeholders,
including our supply chains. In&#x202F;2022, our ambition
is to quantify the impact of all&#x202F;supplier activities
through a supplier engagement framework.
A key milestone towards this ambition was the launch of
the&#x202F;NatWest Group &#x2018;Supplier Charter&#x2019; in September 2020.
The&#x202F;charter sets out our aims and expectations in the areas
of&#x202F;ethical business conduct, human rights, environmental
sustainability, diversity and inclusion, the Living Wage and
prompt payment. It details what we expect from our suppliers,
but also outlines our own commitments in these key areas and
the outcomes we aim to achieve by working together. In 2021,
led by NatWest Group&#x2019;s Chief Administrative Officer and with
collaboration from subject matter experts and policy owners,
we completed our first annual review of the charter.
Central to the aims of charter, we worked with EcoVadis
&#x2013;&#x202F;a&#x202F;leading organisation providing third-party, evidence-based
assessments of sustainability performance. EcoVadis is helping
us to understand and measure our own performance and that
of our suppliers against the charter, enabling us to identify
social, environmental and ethical improvements. NatWest
Group has made significant progress in the first year of
working with EcoVadis, with 834 suppliers invited to take
part&#x202F;in the assessment, representing over 85% of our in-scope
supplier spend. During 2021, NatWest Group Supply Chain
Services has delivered the biggest and fastest deployment
of&#x202F;EcoVadis supplier sustainability assessments in the UK.
Continuing to support our suppliers
We are determined to pay our suppliers promptly for the
services that they provide to us. Our standard payment
terms&#x202F;are normally 30 days. However, from earlier on in the
COVID-19 pandemic and since, we have maintained immediate
payment on receipt of goods and services whenever possible.
This supports our suppliers during this difficult financial period
and goes beyond our commitment undertaken as a signatory
to the UK Government&#x2019;s &#x2018;Prompt Payment Code&#x2019;, which
requires payment to be made in 60 days.
Ongoing dialogue
We operate in a highly regulated market
which&#x202F;continues to evolve in scope. As such,
we&#x202F;understand the need to have an ongoing,
constructive and open dialogue with all relevant
regulatory bodies.
During 2021, this included bilateral responses to material
consultations or other requests for comment/input issued by
various government, regulatory and standard-setting bodies.
Key consultations that NatWest Group has responded to
bilaterally include the FCA&#x2019;s Consumer Duty proposals; its
work on diversity and inclusion; the UK Government&#x2019;s plans
for&#x202F;audit and corporate governance reform; the independent
review of Ring-fencing and Proprietary Trading; and the
Payment Systems Regulator&#x2019;s proposals on Authorised
Push&#x202F;Payment (APP) scams.
We formally engage with our regulators, at both senior
executive and Board level, as well as via individual non-
executive directors, through continuous assessment and
proactive engagement meetings. Most notably, during 2021,
we kept our regulators fully informed of any contingencies
and&#x202F;impacts on our operations as a result of COVID-19.
This&#x202F;has been particularly relevant for monitoring compliance
with the&#x202F;Financial Conduct Authority&#x2019;s Senior Managers
and&#x202F;Certification Regime to ensure that all governance
arrangements across NatWest Group have been kept under
review in the context of the pandemic. We have also engaged
with regulators during policy proposal phases on a number of
occasions to help inform priorities.
SuppliersRegulators
NatWest Group plc &#x2013; Annual Report on Form 20-F 63 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g066.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Climate-related disclosures overview
Climate-related
disclosures
We recognise that climate change is a global issue which has
significant implications for our customers, employees, suppliers,
partners, investors and therefore NatWest Group itself.
Our ambition is to be a leading bank in the UK helping to
address the climate challenge. We have set ourselves the
challenge to halve the climate impact of our financing activity
by 2030 and to become net zero(1) by 2050.
NatWest Group confirms that it has:
  &#x2013; made climate related financial disclosures for the year&#x202F;ended December 31, 2021 that it believes are consistent with the Task
  &#x2013; set out these disclosures in its &#x201C;2021 NatWest Group Climate-related Disclosures Report&#x201D; (the &#x201C;Climate Report&#x201D;), published today
(and available on natwestgroup.com); and
  &#x2013; adopted this approach given the detailed and technical content of the climate-related financial disclosures as it believes these
presentations best present its climate related financial disclosures in a decision-useful manner to the users of those reports.
(1)  Science Based Targets initiative (SBTi) defines net zero as reducing Scope 1, 2 and 3 emissions to zero or to a residual level that is consistent with reaching net-zero emissions at a
global or sector level in eligible 1.5 degree-aligned pathways.
(2)  Upstream operational value chain emissions are all the indirect Scope 3 emissions required for our operations to occur, including emissions from our suppliers, energy creation and
transport to our facilities, and our mail. Downstream operational value chain emissions are all of the indirect Scope 3 emissions associated with our operations during and after serving
our customers, including customer transport to and from our facilities, how our products are used and how they are disposed of.
Accelerating
the speed of
transition to a
net-zero
economy
Helping to
end the most
harmful activity
Championing
climate
solutions
Net-zero
emissions for
our operational
value chain(2)
Embedding
climate into
our culture and
decision-making
Net zero by 2050
NatWest Group plc &#x2013; Annual Report on Form 20-F 64
Force on Climate-related Financial Disclosures (&#x201C;TCFD&#x201D;) Recommendations and Recommended Disclosures (as defined in
Appendix 1 of the Financial Conduct Authority Listing Rules) and summarised in the tables on pages 66-69 of this document;
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a  result
of the factors described in the Risk factors section on pages 136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer to  the
forward-looking statements on page 1 of the Annual Report on Form 20-F. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g067.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Climate ambition statements
A leading bank in the UK helping
to address the climate&#x202F;challenge
We have an ambition to achieve net zero by 2050, this&#xA0;includes:
  &#x2013; Financed emissions: Greenhouse gas emissions from loans and investments activity, attributable to NatWest Group.
  &#x2013; Assets under management: Greenhouse gas emissions associated with our discretionarily managed assets.
  &#x2013; Our operational value chain: Greenhouse gas emissions related to the upstream and downstream activities associated with
our&#x202F;operations.
Helping to end the most harmful activity
  &#x2013; We plan to phase out of coal for UK and non-UK customers
who have UK coal production, coal fired generation and
coal related infrastructure by 1 October 2024, with a full
global phase out by 1 January 2030.
Embedding climate into our culture and
decision-making
  &#x2013; Each year, we plan to include targets for executive
remuneration that reflect our latest climate ambitions.
  &#x2013; We have an ambition to at least halve the climate impact
of&#x202F;our financing activity by 2030 and align with the 2015
Paris Agreement. To do this, we plan to quantify our climate
impact and set sector-specific targets by the end of 2022.
  &#x2013; We plan to continue the integration of the financial and
non-financial risks arising from climate change into our
enterprise wide risk management framework (EWRMF).
Net-zero emissions for our operational
value chain
  &#x2013; We have a target to reduce our direct(3) own operations
carbon footprint by 50% by 2025, against a 2019 baseline.
  &#x2013; We plan to reduce the carbon footprint for our wider
operational value chain by 50%, against a 2019 baseline,
by&#x202F;2030 and achieve net zero by 2050.
  &#x2013; We plan to use only renewable electricity in our direct own
global operations by 2025 (RE100) and improve our energy
productivity 40% by 2025 against a 2015 baseline (EP100).
  &#x2013; We plan to install electric vehicle charging infrastructure in
15% of spaces across our UK portfolio by 2030 and upgrade
our fleet of 300 vehicles to electric by 2025 (EV100).
Accelerating the speed of transition to a
net-zero economy
Championing climate solutions
  &#x2013; We have a target to provide &#xA3;100 billion Climate and
Sustainable Funding and Financing between 1 July 2021
and the end of 2025.
  &#x2013; We have an ambition to support our UK mortgage
customers to increase their residential energy efficiency and
incentivise purchasing of the most energy efficient homes,
with an ambition that 50% of our mortgage portfolio has
an&#x202F;EPC rating of C or above by 2030.
  &#x2013; We plan to collaborate cross industry and create
products&#x202F;and services to enable customers to track
their&#x202F;carbon impact.
  &#x2013; We plan to reduce the carbon intensity of our funds and
discretionary portfolios by 50% by 2030 and to achieve
net&#x202F;zero on discretionarily managed assets by 2050.
(3)  Our Scope 1, Scope 2 and Scope 3 (paper, water, waste, business, travel commuting, work from home). Excludes upstream and
downstream emissions from our wider operational value chain as well as financed emissions.
Net zero by 2050
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a  result
of the factors described in the Risk factors section on pages 412 to 434 in this Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer to  the
forward-looking statements in this document.
NatWest Group plc &#x2013; Annual Report on Form 20-F 65
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a  result
of the factors described in the Risk factors section on pages 136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer to  the
forward-looking statements on page 1 of the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g068.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Governance
NatWest Group&#x2019;s governance around climate-related risks and opportunities
The Board&#x2019;s oversight of climate-related risks and opportunities
Summary
  &#x2013; Board monitoring and oversight of climate-related risks and opportunities is supported by clear roles and responsibilities
for&#x202F;the&#x202F;Board and Board Committees, as well as regular management reporting on climate strategy, ambition, and risk
management&#x202F;activities.
  &#x2013; Key Board level decisions and areas of discussion and/or challenge related to climate strategy, climate scenario analysis,
risk&#x202F;appetite, reporting controls and embedding climate measures within remuneration and performance structures.
  &#x2013; The Boards of NatWest Group&#x2019;s principal subsidiaries exercised oversight of key climate-related risks and opportunities through
regular risk reporting and management updates.
Future priorities
  &#x2013; Continue to oversee progress against NatWest Group&#x2019;s climate ambitions and targets, particularly long term reduction in financed
emissions and development of transition plans to support this.
  &#x2013; Continue to build knowledge at Board level and to support the directors in addressing and overseeing climate-related risks within
NatWest Group&#x2019;s overall business strategy and risk appetite.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 2.1, 2.2.
Management&#x2019;s role in assessing and managing climate-related risks and opportunities
Summary
  &#x2013; NatWest Group CEO and Chief Risk Officer jointly share accountability under the Senior Managers and Certification Regime for
identifying and managing the financial risk of climate change.
  &#x2013; This responsibility is delegated amongst the Executive and senior leadership teams. Cross-bank climate-related groups, advisory
teams and committee structures support with collaboration, escalation, and additional controls.
  &#x2013; The Climate Change Executive Steering Group acts as the primary management forum responsible for overseeing direction and
progress on NatWest Group&#x2019;s climate-related commitments.
Future priorities
  &#x2013; Further embed operating models and business processes to support the management of climate-related risks and opportunities,
including coordination of actions to support further development and execution of climate transition plans.
  &#x2013; Continue to maintain a One Bank approach to climate strategy development and transition plans, including at subsidiary levels.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 2.1, 2.3.
Climate-related
disclosures overview
NatWest Group publicly committed to support the Financial Stability Board&#x2019;s Task Force on
Climate-related Financial Disclosures (TCFD) recommendations in 2017. Our first stand-alone
2020 Climate-related Disclosures Report provided updates on climate as a key focus area
for&#x202F;NatWest Group.
During 2021, we have continued to progress our work and the tables on the following pages
summarise the content of the 2021 Climate-related Disclosures Report. Please refer to the
NatWest Group plc 2021 Climate-related Disclosures Report for further detail.
Disclosures summary
NatWest Group plc &#x2013; Annual Report on Form 20-F 66
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g069.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Strategy
The actual and potential impacts of climate-related risks and opportunities on NatWest Group&#x2019;s businesses, strategy
and financial planning
Climate-related risks and opportunities identified over the short, medium and long term
Summary
  &#x2013; NatWest Group&#x2019;s climate ambition, announced in February 2020, recognises various short, medium and long-term climate-related
risks and opportunities to embed climate in our business and culture, as well as support our customers in their transition to net zero.
Future priorities
  &#x2013; Further enhance capabilities associated with climate-related risks and opportunities measurement.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 1.1, 1.2, 1.3, 1.4, 3.1, 3.2, 3.3, 3.4, 3.5, 4.3, 5.1.
The impact of climate-related risks and opportunities on our businesses, strategy and financial planning
Summary
  &#x2013; NatWest Group made a number of environmental, social and ethical (ESE) policy updates during 2021 to help end the most
harmful&#x202F;activity and concluded a credible transition plan (CTP) assessments for oil and gas majors and in scope coal customers.
This&#x202F;supported our stated ambition to stop lending and underwriting to companies with more than 15% of activities related to
thermal and lignite coal, unless they had a CTP in line with the 2015 Paris Agreement in place by the end of 2021.
  &#x2013; We continued to harness climate-related opportunities. We exceeded our 2020-2021 Climate and Sustainable Funding and Financing
target in under 18 months and supported our retail customers with a range of Green Mortgage products.
  &#x2013; Our work on climate scenario analysis has supported our assessment of climate related risks and opportunities and&#x202F;helped re-affirm
our climate ambition. We continued to build powerful partnerships, acting as principal partner at COP26, and&#x202F;becoming a founding
member of the Net Zero Banking Alliance and Glasgow Financial Alliance for Net Zero (GFANZ).
  &#x2013; We worked to incorporate climate in the financial planning process by developing our first carbon plan. This included an assessment
of carbon impacts of current and planned climate-related opportunities as well as climate-related risks, particularly those related to
dependencies on future policy and technology development.
Future priorities
  &#x2013; Continue to integrate climate in business activities.
  &#x2013; Further enhance carbon planning capability to support the development of transition plans to measure and track our progress
towards our ambition to halve the climate impact of our financing activity by 2030.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 1.1, 1.2, 1.3, 1.4, 3.1, 3.2, 3.3, 3.4, 3.5. 3.6, 3.7, 3.8.
The resilience of our strategy, taking into consideration different climate-related scenarios, including a 2&#xB0;C or lower scenario
Summary
  &#x2013; During 2021, NatWest Group has developed its scenario analysis capabilities and deepened its understanding of climate-related
risks and opportunities through its participation in the Bank of England&#x2019;s Climate Biennial Exploratory Scenario (CBES) exercise.
NatWest Group has also taken further steps to translate these insights into tangible action that will enable us and our customers
to mitigate climate-related risks and take advantage of the opportunities that the transition to net zero will create.
  &#x2013; NatWest Group has used three scenarios published by the Bank of England for its CBES exercise as the foundation for its scenario
analysis, including an early action scenario which assumes the increase in global temperature is limited to under 2.0&#xB0;C. Also,
scenarios have been used to estimate financed emissions reductions required by 2030 to support our net zero by 2050 ambition.
Future priorities
  &#x2013; Continue to enhance scenario modelling and analytic capabilities.
  &#x2013; Continue to address significant challenges related to the availability of granular customer data.
  &#x2013; Respond to developing regulatory requirements on the approach to climate-related risk within the regulatory capital regime.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 3.4, 3.7, 3.8, 5.7.
G o v e r n a nce
S t r a t e g y
Risk M a n a g ement
M
etric s a n d T argets
NatWest Group plc &#x2013; Annual Report on Form 20-F 67
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g070.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk Management
How NatWest Group identifies, assesses, and manages climate-related risks
Our processes for identifying and assessing climate-related risks
Summary
  &#x2013; Climate risk was incorporated into the NatWest Group risk directory as a principal risk in February 2021 and in April, Board Risk
Committee approved a principles-based climate risk policy that defined the key requirements for the identification, assessment,
and management of climate risk, through the incorporation of climate considerations in key risk management processes.
  &#x2013; We completed a qualitative assessment of the current and potential impact of physical and transition climate risk as a causal
factor to other risks. This assessment of relative significance identified the following principal risks as being most exposed to
climate-related impacts: credit risk; operational risk; reputational risk; conduct risk and regulatory compliance risk.
  &#x2013; NatWest Group regularly considers existing and emerging regulatory requirements related to climate change through external
horizon scanning and monitoring of emerging regulatory requirements which is completed by our Legal, Governance and
Regulatory Affairs team.
Future priorities
Continue enhancements to our enterprise wide risk toolkit to support identification and assessment of risk impact on other principal&#x202F;risks.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; section 3.1, 3.2, 4.1.
Our processes for managing climate-related risks
Summary
  &#x2013; The management of climate risk is largely delivered through three mechanisms: scenario analysis, long-term balance sheet
transformation and enhanced climate risk data capabilities.
  &#x2013; NatWest Group has established a climate risk appetite statement, determining the level of risk which the climate risk policy seeks
to&#x202F;operate within.
  &#x2013; A climate maturity rating was developed, which supports ongoing assessment of climate risk management throughout
the&#x202F;organisation. This approach translated NatWest Group&#x2019;s climate risk policy into thematic management outcomes.
  &#x2013; As at 31 December 2021, NatWest Group has achieved first generation implementation of climate risk management, with a
predominantly qualitative approach to internal risk policy outcomes, covering priority sectors or customers. Where quantitative
approaches are applied, they are predominantly conducted on an ad hoc basis.
Future priorities
  &#x2013; Work will continue to further integrate climate-related risk across business processes to achieve full integration within risk
management and decision-making.
  &#x2013; Future target state includes, but is not limited to, climate risk being systematically captured as a quantified risk factor within lending
and risk decision-making, informing limits and pricing.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 3.1, 3.2, 4.2.
How our processes for identifying, assessing, and managing climate-related risks are integrated into overall risk management
Summary
  &#x2013; Retail credit risk: A review of EPC and flood impact was finalised for the Retail Banking residential mortgage portfolio; Credit
oversight tracking of EPC and flood risk concentrations have been developed. In addition, preliminary climate operational
measures were developed.
  &#x2013; Wholesale credit risk: Continued evolution of our credit risk frameworks to incorporate climate risk, for example its inclusion
in&#x202F;Transaction Acceptance Standards (TAS) and in climate commentary within credit applications for the majority of the
wholesale portfolio.
  &#x2013; Operational risk: NatWest Group-wide operational risk climate scenarios were completed in 2021. Two distinct extreme heat
scenarios were considered.
  &#x2013; Reputational risk: Review of risk acceptance criteria (RAC) suite to validate the sectors which present high environmental, social
and ethical (ESE) risk.
  &#x2013; Conduct risk and regulatory compliance risk: Supported the development and embedding of climate focused questions which have
been embedded into the existing governance processes.
Future priorities
  &#x2013; Continue to assess impact of climate-related risks on NatWest Group&#x2019;s financial and non-financial risk profile as part of risk and
control assessment of relevant processes.
  &#x2013; Further embedding of climate considerations in product design and lending decisions through the use of climate risk data
(EPC&#x202F;and flood analysis, CBES findings).
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 3.1, 3.2, 4.3.
Disclosures summary continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 68
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g071.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">G o v e r n a nce
S t r a t e g y
Risk M a n a g ement
M
etric s a n d T argets
Metric and Targets
The metrics and targets used to assess and manage relevant climate-related risks and opportunities where such
information is material
The metrics used to assess climate-related risks and opportunities in line with our strategy and risk management process
Summary
Metrics used to assess climate-related risks:
  &#x2013; Exposures to heightened climate-related risk sectors.
  &#x2013; Energy efficiency and flood risk assessment for Retail Banking residential mortgage portfolio.
  &#x2013; Capital markets transactions.
  &#x2013; NatWest Group own operational footprint.
  &#x2013; Estimates of financed emissions and emission intensities.
Metrics used to assess climate-related opportunities:
  &#x2013; Climate and Sustainable Funding and Financing.
  &#x2013; NatWest Group Own Green Bond issuance.
Future priorities
We will continue to develop metrics and measurement capabilities to monitor and manage climate-related risks and opportunities
during 2022.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 3.4, 4.2, 4.3, 5.1, 5.2, 5.3, 5.4, 5.5, 5.6., 5.7.
Scope 1, Scope 2 and, if appropriate, Scope 3 greenhouse gas (GHG) emissions, and the related risks.
Summary
We continued to develop and enhance capabilities to measure our carbon footprint in relation to our own operational footprint as
well as financed emissions:
  &#x2013; We reduced our direct own operations carbon footprint by 46% against a 2019 baseline, and increased our renewable electricity
consumption to 97%.
  &#x2013; We worked on enhancing our capabilities across an additional eight emissions intensive wholesale sectors. We also extended the
scope of emissions calculations for the oil and gas sector beyond extraction activities covered in 2020. We have now analysed
52% of our loans and investment portfolio based on 2019 gross on-balance sheet loans and investments.
Future priorities
  &#x2013; To support our commitments to the Net Zero Banking Alliance, we will align to the Science Based Targets initiative&#x2019;s (SBTi)
definition and account for the wider value chain, including suppliers, for our own operational footprint.
  &#x2013; We have submitted our 2030 sector emissions reduction estimates to SBTi for validation and will continue our work to enhance
availability of data to support future calculations of financed emissions and emissions intensities.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 5.6, 5.7, 5.8.
The targets used by the organisation to manage climate-related risks and opportunities and performance against targets
Summary
Our stated climate ambition is to be a leading bank in the UK helping to address the climate challenge. We have committed to achieve
net zero by 2050 across our financed emissions, assets under management and our operational value chain. Progress is monitored via
climate-related targets and ambitions across the following thematic opportunities:
  &#x2013; Accelerating the speed of transition.
  &#x2013; Helping to end the most harmful activity.
  &#x2013; Championing climate solutions.
  &#x2013; Embedding climate into our culture and decision-making.
  &#x2013; Net zero for our operational value chain.
Future priorities
We will continue to monitor our performance against our climate-related targets and ambitions and revise, as appropriate.
References
NatWest Group plc 2021 Climate-related Disclosures Report &#x2013; sections 1.1, 3.5, 5.
NatWest Group plc &#x2013; Annual Report on Form 20-F 69
We added performance against climate targets as part of the bonus pool assessment for our wider workforce. Refer to the Directors&#x2019;
Remuneration Report in the NatWest Group plc 2021 Annual Report on Form 20-F for further details.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g072.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Own operational footprint
Own operational
footprint
During 2021(1), we reduced our direct own operations(2)
carbon&#x202F;footprint(3) 46% against 2019 baseline, and increased
our&#x202F;renewable electricity consumption to 97%.
Net-zero carbon(3)
We plan to reduce the carbon footprint for our wider operational
value chain by 50% (against a 2019 baseline) by 2030 and
achieve net zero by 2050.
While there was previously no standard definition of net zero,
as part of COP26, in October 2021 the SBTi released the
&#x2018;SBTi&#x202F;Corporate Net Zero Standard&#x2019;, the world&#x2019;s first net zero
framework which encapsulates the full value chain of Scope 3
and deep decarbonisation targets. To support NatWest Group&#x2019;s
public commitments to the Net Zero Banking Alliance, we plan
to align to the SBTi&#x2019;s definition for own operations and also
account for the wider value(4) chain, including suppliers. We
have a target to reduce our direct own operations carbon
footprint by 50% by 2025 (2019 baseline) and plan to halve the
carbon footprint of our wider operational value chain by 2030,
with minimum 90% decarbonisation by 2050 for all emissions
(refer section 5.7 of the NatWest Group plc 2021 Climate-
related Disclosures Report for approach to financed emissions).
We intend to neutralise the remaining 10% of emissions with
high quality internationally recognised carbon credits(5) to
achieve net zero. We plan to continue making significant
emission reductions within our own operations, alongside
investments to mitigate GHG emissions through carbon
removal projects, programmes and solutions that provide
benefits to climate, especially those that generate additional
co-benefits for people and nature, in line with SBTi guidance.
When announcing our Climate Positive(6) ambition in February
2020, the wide-ranging impacts from COVID-19 could not have
(1)  Our own operational footprint reporting year runs from October 2020 to September 2021.
(2)  NatWest Group defines direct own operations as our Scope 1, Scope 2 and Scope 3 (paper, water, waste, business travel, commuting and work from home) emissions. It therefore
excludes upstream and downstream emissions from our value chain.
(3)  Carbon/carbon footprint in this section refers to GHG emissions reported as carbon dioxide equivalent.
(4)  Upstream operational value chain emissions are all the indirect Scope 3 emissions required for our operations to occur, including emissions from our suppliers, energy creation and
transport to our facilities, and our mail. Downstream operational value chain emissions are all of the indirect Scope 3 emissions associated with our operations during and after serving
our customers, including customer transport to and from our facilities, how our products are used and how they are disposed of.
(5)  NatWest Group used carbon credits for our 2021 achievement. These projects remove carbon from the atmosphere through tree planting and are dual-validated and verified under the
Verified Carbon Standard (VCS) and Climate, Community and Biodiversity Standards (CCB).
(6)  NatWest Group defines Climate Positive as reducing location-based emissions from our direct own operations 25% from our 2019 baseline and using carbon credits to neutralise our
baseline market-based emissions of 120,000 tCO2e.
been anticipated. By procuring a minimum 120,000 tCO2e in
carbon credits, in line with our market-based 2019 baseline,
while simultaneously reducing emissions from our own
operations, we have already achieved our ambition to be
Climate Positive in 2021 for our direct own operations. We
used 120,000 tCO2e of internationally recognised carbon
credits which add environmental, social and community
benefits compared to the 2021 residual market-based 66,149
tCO2e Scope 1, 2 and 3 emissions. We had previously targeted
a 25% reduction in emissions from our direct own operations
by 2025 (2019 baseline) but are now increasing this to 50% as
we seek to build on the emissions reductions that have already
occurred.
Energy and carbon
In 2021, we reduced our direct operational Scope 1, 2 and 3
(business travel, paper, waste, water, commuting and work
from home) emissions by 46% against a 2019 baseline. This has
been through a number of emission reduction activities as well
as impacts from COVID-19.
Despite COVID-19, a number of key projects were still
completed in 2021. Notable highlights include:
  &#x2013; Renewable power: NatWest Group has partnered to
develop a solar generation facility in the UK under a
corporate power purchase agreement. The facility is due
to&#x202F;start generating low-carbon electricity for the bank
from&#x202F;2024 and will bring additional renewable generation
capacity online to facilitate the decarbonisation of the UK
power grid. Once constructed, the facility is expected to
generate 40% of NatWest&#x2019;s electricity demand in the UK.
  &#x2013; Branch investments: The high-performance specification
implemented for a branch fit-out in Bristol meant that we
achieved an energy performance rating of &#x2018;B&#x2019; and achieved
Royal Institute of Chartered Surveyors (RICS) SKA Silver
rating in terms of the design&#x2019;s broader sustainable design.
  &#x2013; Lifts: The first phase of a replacement passenger lift system
at our offices at 250 Bishopsgate, London, leading to a 30%
reduction in the energy use of the lifts; making the lifts &#x2018;A&#x2019;
rated in terms of energy.
  &#x2013; Building Management System investment: In our Coutts
head office we have invested in &#x2018;out BMS controllers&#x2019; which
have provided a better environment for our colleagues and
enable more efficient energy management from the facilities
management team. We have also installed dashboard
screens in the customer and colleague areas in both the
Coutts head office and 250 Bishopsgate to educate on
the&#x202F;energy usage of the buildings.
NatWest Group plc &#x2013; Annual Report on Form 20-F 70
As the first part of our journey, we are disclosing an initial view
of our upstream emissions for our 2021 footprint, with a plan
to refine this view and disclose our downstream emissions for
2022. Further, from 2022, NatWest Group will be using the
outputs from our 2021 energy audits to run a programme to
improve our building EPC ratings, reducing our climate impact.
Our 2021 total market-based operational footprint 66,149
tCO2e covers Scopes 1, 2 and our direct own operation
upstream Scope 3. This includes emission reductions from
the use of green electricity covering 97% of our consumption
through green tariffs and renewable electricity certificates,
but in accordance with the Greenhouse Gas Protocol, it does
not include emissions reduction from the use of carbon credits.
The guidance, targets, expectations and trends discussed in this section represent NatWest Group plc's management current expectations and are subject to change, including as a  result
of the factors described in the Risk factors section on pages 136 to 157 of the Annual Report on Form 20-F. These statements constitute forward-looking statements. Refer to  the
forward-looking statements on page 1 of the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g073.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Streamlined energy and carbon reporting
2021 2020
Greenhouse gas (GHG) emissions
UK and
offshore(1) area
Global total
(excluding UK
and offshore)&#x2019;
UK and offshore(1)
area
Global total
(excluding UK
and offshore)
Energy consumption used to calculate above emissions (kWh) 329,396,747  40,652,346 347,909,621 49,510,271
Intensity ratio: Location-based CO2e emissions per FTE (Scope 1 &amp; 2)
(tonnes/FTE) 1.71 1.03 1.83 1.37
Scope 3(4) CO2e emissions from direct operations, paper, water, waste,
Emissions methodology and basis of preparation
Boundary: We have reported on all emission sources required under the Companies (Directors&#x2019; Report) and Limited Liability
Partnerships (Energy and Carbon Report) Regulations 2018. Our reporting year runs from October 2020 to September 2021.
The&#x202F;emissions reporting boundary is defined as all entities and facilities either owned or under our operational control.
Calculation: Emissions have been calculated using the Greenhouse Gas Protocol Corporate Standard and associated guidance and
include all greenhouse gases, reported in tonnes of carbon dioxide equivalent (CO2e) and global warming potential values. When
converting data to carbon emissions, we use Emission Factors from UK Government Emissions Conversion Factors for Company
Reporting (Department for Business, Energy &amp; Industrial Strategy, 2021), CO2 emissions from fuel combustion (International Energy
Agency, 2021) or relevant local authorities as required. NatWest Group utilises a third-party software system, Envizi, to capture and
record our environmental impact and ensure audit requirements are met. All data is aggregated at a regional level to reflect the
total regional consumption. The regional consumption results are then collated to reflect the total NatWest Group footprint. CO2e
values are attributed to these sources via an automatic conversion module in the Envizi system. For more information, please see
the own operational footprint page on natwestgroup.com.
(1)  Offshore area as defined in The Companies (Directors Report) and Limited Liability Partnerships (Energy and Carbon) Regulations 2018. This includes Jersey and Guernsey but not our
overseas sites in America, EMEA and Asia-Pacific. These are included in the global total (excluding UK and offshore).
(2)  Scope 1 emissions from natural gas, liquid fossil fuels, fluorinated gas losses and owned/leased vehicles.
(3)  Scope 2 emissions from electricity, district heating and cooling used in NatWest Group premises.
(4)  Scope 3 emissions from paper and water, category 5: waste (UK and RoI only), category 6: business travel including air, rail, hired vehicles and our grey fleet, category 7: employee
commuting and working from home.
(5)  Market-based Scope 2 emissions. UK market-based emissions have dropped 99% (to 12 tCO2e) as we have procured 100% of the electricity we have consumed from renewable
sources using green tariffs and renewable electricity certificates, whereas in 2020, we sourced 90% of our UK electricity from renewable sources, with the remaining 10% accounting
for 8,848 tCO2e. The 12 tCO2e arises from district cooling and district heating, which is used at only a few sites.
NatWest Group plc &#x2013; Annual Report on Form 20-F 71
Emissions from the combustion of fuel and operation of any facility
(Scope 1(2) Direct) CO2e (tonnes) 17,464  1,663 18,443 1,921
Total gross Scope 1 &amp; Scope 2 (location-based) emissions CO2e (tonnes) 70,199 17,968 82,284 24,977
business travel, commuting and working from home (tonnes) 36,016  8,855 38,502 14,967
Total gross CO2e emissions for direct operations (Scope 1, location-based
Emissions from the purchase of electricity, heat, steam or cooling by
the company for its own use (Scope 2(3) Indirect) Location-based
CO2e emissions (tonnes) 52,735  16,305 63,841 23,057
Scope 2, Scope 3) (tonnes) 106,215  26,823 120,787 39,944
Intensity ratio: Location-based CO2e emissions per FTE (Scope 1, 2 &amp; direct
operations Scope 3) (tonnes/FTE) 2.59  1.54 2.69 2.19
Scope 2(5) (Indirect) Market-based CO2e emissions (tonnes) 12 2,139 8,860 2,346</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g074.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk overview
Risk management
Risk is an inherent part of doing business. Some types of
risk&#x202F;&#x2013; such as credit risk or market risk for example &#x2013; are an
integral part of NatWest Group&#x2019;s day-to-day activities and a
vital part of revenue generation. Other risks, such as those
arising from changes in the economy or the competitive
landscape, are an inescapable part of the environment in
which NatWest Group operates and must also be managed
and mitigated.
Effective risk management is a vital element of ensuring
NatWest Group is able to achieve its long-term strategy
and&#x202F;fulfil its purpose.
NatWest Group operates an enterprise-wide risk management
framework. The framework &#x2013; which is supported by policies,
standards and operational procedures &#x2013; sets out a consistent
approach to managing risk across the organisation. It is
aligned to NatWest Group&#x2019;s purpose and is designed to
support&#x202F;intelligent risk-taking.
While the Board reviews and approves the framework, all
colleagues share ownership of risk management. The industry-
standard three lines of defence approach is used to define
responsibilities. This aims to ensure that risks are properly
identified and assessed, managed and mitigated, monitored
and reported.
NatWest Group&#x2019;s independent Risk function designs and
maintains the framework. The Risk function &#x2013; which is led by
the Chief Risk Officer &#x2013; also provides oversight and monitoring
of all risk management activities. The Chief Risk Officer plays
an integral role in providing the Board with advice on NatWest
Group&#x2019;s risk profile, the performance of its controls and in
providing challenge where a proposed business strategy
may&#x202F;exceed risk tolerance.
NatWest Group has identified a number of principal risks.
These are risks that are an inherent part of banking activity
and have the potential to significantly affect NatWest Group&#x2019;s
performance or prospects. They are categorised as financial
and non-financial principal risks.
Risk appetite is a key component of the framework. It defines
the level and types of risk NatWest Group is willing to take as
part of its business activities. Risk appetite is set in line with
overall strategy and approved by the Board. It supports the
strategic aim of building a sustainable business by providing
colleagues with a structured approach to risk-taking within
agreed boundaries.
Information on the risk profile relative to risk appetite, as well
as details of new and emerging risks, is reported regularly to
the Board and to NatWest Group&#x2019;s senior risk committees.
Principal financial risks Principal non-financial risks
Credit risk Conduct risk
Traded market risk Financial crime risk
Non-traded market risk  Operational risk
Capital adequacy  Regulatory compliance risk
Liquidity and funding  Model risk
Earnings stability Climate risk
Pension risk Reputational risk
Areas of focus in 2021
The global economy continued to grow, though more
slowly&#x202F;than expected. The aftershocks of the pandemic also
intensified uncertainty around both the pace of recovery and
the longer-term future. Accordingly, risk management played
a&#x202F;critical role throughout the year, focusing both on striking
the&#x202F;correct balance between risk and opportunity, and also
on&#x202F;ensuring that supporting processes, policies and controls
were properly optimised to deal with the heightened risk
environment. Providing a clear risk perimeter allowed NatWest
Group&#x2019;s customer-facing franchises to operate safely as they
set out to achieve NatWest Group&#x2019;s purpose of helping people,
families and businesses to thrive.
As a result, NatWest Group&#x2019;s credit risk profile remained in line
with expectations, though given the heightened uncertainty,
this remained an area of significant risk management focus.
Impairment releases were significant. IFRS 9 forward-looking
expected credit losses for performing assets in Stage 1 and
Stage 2 reduced and actual Stage 3 default charges were
relatively modest. However, NatWest Group anticipates
increased default levels in 2022 as the longer-term impacts
of&#x202F;pandemic-related disruption emerge. Other headwinds,
such&#x202F;as ongoing supply chain challenges and inflation,
have&#x202F;the potential to heighten the credit risk profile.
NatWest Group&#x2019;s traded and non-traded market risk profiles
were also broadly stable, though the potential second-order
effects of the pandemic on both remain a key risk
management consideration.
Compliance and conduct
Further progress was made on the compliance agenda during
2021. This included the introduction of a digital rules-mapping
platform intended to enhance NatWest Group&#x2019;s assessment
and implementation of regulatory obligations. In addition,
a&#x202F;new ring-fencing hub was established to provide an
aggregated view of ring-fencing compliance and risk
management. The conduct risk profile also remained a key
focus. In December 2021, the NatWest Markets subsidiary
pleaded guilty to one count of wire fraud and one count of
securities fraud related to historical spoofing conduct by
former employees in US Treasuries markets between 2008 and
2014. As part of the plea agreement, NatWest Markets will pay
Impactful and effective risk management supports NatWest Group
in delivering its strategy and purpose.
NatWest Group plc &#x2013; Annual Report on Form 20-F 72
In addition, a regular process identifies top and emerging risks.
These are specific scenarios of concern that may combine
elements of several principal risks &#x2013; or create new types of
threat altogether &#x2013; and which, without appropriate management
and mitigation, could have a significant negative impact on
NatWest Group&#x2019;s ability to meet its strategic objectives.
These are detailed on page 75 of this document.
The factors discussed in this section and elsewhere in this document should not be regarded as a complete and comprehensive statement of all risks and uncertainties facing NatWest Group.
Refer to the Risk factors of pages 136 to 157 of the Annual Report on Form 20-F for further details. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g075.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">a criminal fine and a criminal forfeiture as well as restitution.
The&#x202F;plea agreement also imposes an independent corporate
monitor. NatWest Markets has also committed to compliance
programme reviews and improvements. Throughout the year,
with many colleagues working from home, additional controls
around the supervision of certain roles remained in place to
ensure secure and compliant operations. Controls established
to mitigate risks relating to the recording of regulated
communications, the flow of inside information and
management of conflicts of interest also remained a focus.
Financial crime
While work continues to enhance the control environment
relating to financial crime risk, operational weaknesses
between 2012 and 2016 resulted in the inadequate monitoring
of a UK-incorporated NatWest Bank Plc customer. Regulations
require risk-sensitive ongoing monitoring of customers for the
purposes of preventing money laundering. NatWest Bank Plc
co-operated fully with the regulator&#x2019;s investigation into this
case and, in October 2021, pleaded guilty to three breaches
of&#x202F;the Money Laundering Regulations 2007.
NatWest Group takes its responsibility to prevent and detect
financial crime extremely seriously and continues to make
significant multi-year investments to strengthen and improve
its overall financial crime framework with prevention systems
and capabilities. This investment continued during 2021 and
there was significant risk management focus on the systems
and processes relating to customer due diligence, transaction
monitoring and automated customer screening. NatWest
Group continues to work with law enforcement agencies,
industry bodies and regulators to develop intelligence and
collaborative solutions to prevent financial crime.
Anti-bribery and corruption (ABC)
NatWest Group is committed to ensuring it acts responsibly
and ethically, both when pursuing its own business
opportunities and when awarding business. Consequently,
it&#x202F;has embedded appropriate policies, mandatory procedures
and controls to ensure its employees, and any other parties it
does business with, understand these obligations and abide by
them whenever they act for NatWest Group. ABC training is
mandatory for all staff on an annual basis, with targeted
training appropriate for certain roles. NatWest Group considers
Risk management process
This diagram summarises the main risk management processes and responsibilities within NatWest Group.
Risk activities Responsibilities Governance
Identify and
Assess
Report
Monitor
Manage/
Mitigate
Board
Responsible for reviewing the effectiveness
of the risk management and internal control
systems of NatWest Group, including the
nature and extent of the risks it may take
in&#x202F;pursuit of its strategic objectives.
Strategic consideration of principal risks &#x2013;
together with top and emerging risks &#x2013;
against NatWest Group&#x2019;s business plan.
Leads the development of, and assesses/
monitors, risk culture.
NatWest Group Risk Function
Design and implementation of the enterprise-
wide risk management framework and
policies. Oversight of franchise and entity
risk management activities.
Aggregated reporting of franchise/
entity-level management of principal risks
&#x2013; together with top and emerging risks &#x2013;
against the agreed risk appetite set by the
Board, including assessment of the way
correlation and concentration levels may
change in aggregate.
Franchises and Entities
Take risks within the risk appetite set by
the&#x202F;Board in pursuit of business objectives.
Day-to-day risk management including,
identification and assessment, mitigation
and&#x202F;monitoring.
Reporting on franchise/entity-level
management of principal/top and emerging
risks within appetite. Horizon-scanning to
identify and assess likely changes in risk
environment/landscape.
Board
Sets risk appetite, reviews and
approves the enterprise-wide
risk management framework.
Board Risk Committee
Provides oversight and advice
to&#x202F;the Board on current and
future risk profile. Reviews the
effectiveness of internal controls
to manage risk.
Group Audit Committee
Reviews the effectiveness of
NatWest Group&#x2019;s system of
internal control relating to
financial management.
Executive Risk Committee
Reviews, challenges and debates
all material risk and control
matters across NatWest Group.
Franchise Risk
Committees
Detailed oversight of risk profile
relative to risk appetite for
specific franchises/entities.
Top
down
Bottom
up
NatWest Group plc &#x2013; Annual Report on Form 20-F 73 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g076.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk management continued
ABC risk in its business processes including, but not limited to,
corporate donations, charitable sponsorships, political activities
and commercial sponsorships. Where appropriate, ABC
contract clauses are required in written agreements.
Climate risk
The impact of climate change on NatWest Group and its
customers continued to be a central risk management focus
during the year. A new Climate Centre of Excellence was
established to provide specialist expertise across NatWest
Group, including horizon scanning to identify strategic
opportunities and risks. In addition, the qualitative
consideration of climate-related risk was made mandatory for
most of the wholesale portfolio within credit assessments, and
enhancements were made to NatWest Group&#x2019;s environmental,
social and ethical framework to address reputational risks
arising from carbon-intensive sectors. NatWest Group also
participated in the Bank of England&#x2019;s Climate Biennial
Exploratory Scenario stress test exercise. This exercise was
designed to support improved understanding of the financial
system&#x2019;s exposure to climate-related risks and the likely
challenges to business models emerging from climate change.
While participation was mandatory, the exercise also helped
NatWest Group in understanding and preparing to manage
risks that could arise, both in terms of the transition to
net zero and the physical risks from climate change.
LIBOR
Risks relating to the reform of interest-rate benchmarks were a
consistent focus during the year. With the exception of certain
tenors, publication of the London Inter-Bank Offered Rate
(LIBOR), a key benchmark in the global financial markets for
many years, ceased on 31 December 2021. In preparation for
the move to alternative risk-free rates &#x2013; including the Sterling
Overnight Index Average (SONIA) &#x2013; NatWest Group stopped
offering Sterling LIBOR for new transactions on 31 March
2021. A Group-wide transition programme coordinated work
to help customers smoothly transition from a range of LIBOR-
based products, such as mortgages, investment-backed
lending and derivatives, to those using alternative benchmarks.
Significant attention was paid to the potential conduct risks
arising from transition activity, as well as related operational
risks, in order to ensure appropriate customer outcomes.
In&#x202F;addition, there was a strong focus on carefully managing
the&#x202F;associated compliance risk, market risk and counterparty
credit risk. The complexity of the transition, especially in
relation to so-called &#x2018;tough legacy&#x2019; contracts that cannot be
transitioned to alternative reference rates, also heightened
execution risk. The FCA has proposed that use of synthetic
sterling LIBOR may be permitted for a number of legacy
contracts. It&#x2019;s expected that management of related risks
will&#x202F;remain a focus into 2022 as NatWest Group continues
to&#x202F;support its customers through the transition.
Information and cyber-security
Cyber crime is an ever-present threat across the digital
landscape and continues to evolve rapidly. Attacks may be
from individuals or highly-organised criminal groups intent
on&#x202F;stealing money or sensitive data, or potentially holding
organisations to ransom. NatWest Group takes this threat
seriously and continues to work with industry bodies, peers
and the National Cyber Security Centre to gather and
share&#x202F;intelligence. During 2021, there was continued risk
management focus on ensuring defences remain optimised
for&#x202F;the evolving threat.
Risk culture
NatWest Group&#x2019;s multi-year programme to enhance risk
management capability at every level of the organisation
continued with an ongoing emphasis on risk culture. This work
aims to embed a generative risk culture across all three lines
of&#x202F;defence &#x2013; where risk management is an integral part of
the&#x202F;way colleagues work and think. The approach supports
intelligent risk-taking, better customer outcomes, stronger and
more sustainable business as well as an improved cost base.
During 2021, there was a focus on a number of risk culture
initiatives, including improvements in risk data and systems
alignment as well as enhancements to risk identification
processes and risk culture management information.
Model risk
An effective understanding of likely future outcomes and the
scale of likely hazards is an essential part of forward-looking
risk management. NatWest Group is heavily reliant on
modelling across all aspects of its business. Ensuring its models
are designed effectively &#x2013; and that associated assumptions,
data inputs and techniques are appropriate &#x2013; remained a key
risk management focus in 2021. This included a programme
of&#x202F;ongoing work to upgrade a number of models to improve
predictability and compliance with new regulatory requirements.
Risk-weighted assets (RWAs)
RWAs were down &#xA3;13.3 billion at 31 December 2021, ending
the year at &#xA3;157 billion (from &#xA3;170.3 billion in 2020). This was
mainly driven by a &#xA3;9.8 billion reduction in credit risk RWAs
as&#x202F;well as reductions in market risk RWAs (&#xA3;1.4 billion),
counterparty credit risk RWAs (&#xA3;1.2 billion) and operational
risk&#x202F;RWAs (&#xA3;0.9 billion).
Common Equity Tier 1 ratio
NatWest Group maintained a strong CET1 ratio of 18.2%
(2020&#x202F;&#x2013; 18.5%), reflecting both the &#xA3;13.3 billion reduction in
RWAs and a &#xA3;2.9 billion decrease in CET 1. This decrease was
mainly driven by the directed buy-back and associated pension
contribution of &#xA3;1.2 billion and on-market share buy-backs
totalling &#xA3;1.5 billion, as well as foreseeable dividends and
associated pension contributions of &#xA3;1.2 billion and a &#xA3;1.1
billion decrease in the IFRS 9 transitional adjustment and other
reserve reductions, offset by the &#xA3;3 billion attributable profit
in&#x202F;the period. The CET1 ratio reduced to 15.9% on 1 January
2022 as a result of regulatory RWA and capital changes.
Leverage ratios
The CRR leverage ratio decreased to 4.4% (2020 &#x2013; 5.2%) due
to&#x202F;a &#xA3;40 billion increase in leverage exposure and a &#xA3;4 billion
decrease in Tier 1 capital. The UK leverage ratio decreased
to&#x202F;5.8% (2020 &#x2013; 6.4%) due to the decrease in Tier 1 capital.
Stress testing
Under the 2021 Bank of England solvency stress test, on an
IFRS 9 transitional basis NatWest Group&#x2019;s low point CET1
ratio&#x202F;was 10.4%. This was above the reference rate of 7%.
The&#x202F;transitional Tier 1 leverage ratio low point was projected
to be 4.4% under stress. NatWest Group also took part in the
Bank of England&#x2019;s Climate Biennial Exploratory Scenario.
Liquidity and funding
The liquidity portfolio increased by &#xA3;24.1 billion to &#xA3;286.4
billion. Primary liquidity increased by &#xA3;38.2 billion to &#xA3;208.6
billion. The increase in primary liquidity resulted mainly from
customer deposits, TFSME funding, new issuances and a
methodology change to include UBIDAC cash at central banks.
NatWest Group plc &#x2013; Annual Report on Form 20-F 74 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g077.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Top and emerging
risks
A continuous process is used to identify and manage the Group&#x2019;s top and
emerging risks. These are risks that could have a significant negative impact on
the ability to operate or meet strategic objectives.
External
Climate-related
risks
NatWest Group and its customers may face significant climate-related risks, including those arising from the transition
to a net-zero economy. These risks are receiving increasing regulatory, political and societal scrutiny, both in the UK
and internationally. There are significant uncertainties as to the extent and timing of the manifestation of the physical
risks of climate change, such as more extreme and frequent weather events and reductions in biodiversity. Embedding
climate risk into the Group&#x2019;s risk framework and adapting NatWest Group&#x2019;s operations and business strategy to
address the risks is in line with the purpose-led strategy.
Competitive
environment
NatWest Group operates in markets that are highly competitive, raising the threat of a loss of market share, reduced
revenue and lower profitability. The risks mainly relate to changes in regulation, developments in financial technology
(including digital currency), new entrants to the market and changes in customer behaviour. The Group closely
monitors the competitive environment and adapts strategy as appropriate to deliver innovative and compelling
propositions for customers.
COVID-19 The COVID-19 crisis could impede the Group&#x2019;s ability to meet its targets and deliver its purpose-led strategy. Despite
delivery of a mass vaccination programme in the UK, uncertainty remains around the future evolution of the virus and
the ultimate impact of the pandemic on NatWest Group and its customers. Key mitigation measures to manage the
uncertainty include scenario analysis, stress testing and active portfolio management including the adjustment of
risk&#x202F;appetite.
Cyber threats The threat from cyber attacks is constant both directly to businesses such as NatWest Group and to others in the
supply chain. As cyber attacks evolve and become more sophisticated, NatWest Group continues to invest in additional
capability and controls designed to defend against the evolving threats. There is a sustained focus on managing the
impact of the attacks and maintaining the availability of services for NatWest Group&#x2019;s customers.
Economic and
political risks
NatWest Group is exposed to economic and political risks in the markets in which it operates. Economic uncertainty
remains high due to a combination of inflationary pressures including supply chain frictions and disruption due to new
COVID-19 variants. A range of complementary approaches is used to mitigate these risks including scenario analysis
and stress testing. The Group continues to monitor geopolitical risks alongside domestic political risk including those in
relation to the UK&#x2019;s withdrawal from the European Union and a Scottish independence referendum. In the longer term,
demographic change, high levels of debt and inequality could all have financial impacts. As a result, these risks are
closely monitored and strategic plans are adapted as appropriate.
Regulatory, legal
and conduct risks
NatWest Group is subject to extensive laws and regulations and expects government and regulatory intervention
in the financial services industry to remain high for the foreseeable future. The Group implements new regulatory
requirements, where applicable, and incorporates the implications of related changes in its strategic and financial
plans. However, changes in laws or regulations, or failure by NatWest Group to comply with these, may adversely
affect NatWest Group&#x2019;s business, results of operations and outlook.
Internal
Change risk The implementation of NatWest Group&#x2019;s purpose-led strategy and the refocusing of NatWest Markets carry significant
execution, operational and people risks. NatWest Group continues to manage and implement change in line with
its&#x202F;strategic plans while assessing execution risks and taking appropriate mitigating action. In addition, the Group
continues to monitor and strengthen its control environment including in relation to financial crime, through robust
governance and controls frameworks.
Data
management
NatWest Group operations and strategy are highly dependent on the accuracy and effective use of data. Failure
to&#x202F;have current, high-quality data and/or the ineffective use of such data could result in a failure to deliver NatWest
Group&#x2019;s strategy including reducing costs and meeting customer expectations. The Group is focused on delivering
a&#x202F;long-term data strategy alongside control and policy framework enhancements governing data usage.
People risk NatWest Group&#x2019;s success depends on its ability to attract, retain and develop highly skilled and qualified personnel,
including senior management, directors and key employees in a highly competitive market and under internal cost
reduction pressures. A combination of strategic workforce planning, including in relation to critical role resource and
retention of specific skills, and close monitoring of staff turnover levels and colleague wellbeing are key mitigants.
Third-party
suppliers
Operational risks arise from NatWest Group&#x2019;s reliance on third-party suppliers to provide a range of services,
including&#x202F;information technology. While the ineffective management of these risks could adversely affect NatWest
Group, significant resources and planning have been devoted to mitigate the risks including the implementation of
robust risk controls.
NatWest Group plc &#x2013; Annual Report on Form 20-F 75
The factors discussed in this section and elsewhere in this document should not be regarded as a complete and comprehensive statement of all risks and uncertainties facing NatWest Group.
Refer to the Risk factors of pages 136 to 157 of the Annual Report on Form 20-F for further details. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g078.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Non-financial information statement
Non-financial
information statement
This non-financial information statement provides an overview of topics and
related reporting references in our external reporting as required by sections
414CA and 414CB of the Companies Act 2006. We integrate non-financial
and Environmental, Social and Governance (ESG) information across the
Strategic&#x202F;report and wider reporting suite, thereby promoting cohesive
reporting&#x202F;of non-financial and ESG matters.
ESG reporting frameworks and guidance
Further information on non-financial and ESG
matters can be found within our reporting&#x202F;suite
  &#x2013; Climate-related Disclosures Report
  &#x2013; ESG Supplement
  &#x2013; natwestgroup.com
We are actively monitoring developments including in relation
to ESG metrics. In 2021, our focus included the Sustainability
Accounting Standards Board (SASB) standards, the Global
Reporting Initiative (GRI) standards, the Task Force on
Climate-related Financial Disclosures (TCFD) and the World
Economic Forum (WEF) International Business Council (IBC)
metrics. As signatories of the UN Principles for Responsible
Banking, we are committed to an ongoing process to align
our strategy with the 2015 Paris Agreement and the UN
Sustainable Development Goals (SDGs). Our climate
ambition strives to make a positive contribution.
NatWest Group plc &#x2013; Annual Report on Form 20-F 76
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g079.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Reporting
requirement
Relevant policy
available at
natwestgroup.com
Business model   &#x2013; Our purpose framework
  &#x2013; Our strategy
  &#x2013; Our strategy in action
  &#x2013; Our purpose-led areas of focus
  &#x2013; How we create value
  &#x2013; Our business performance
  &#x2013; 12 to 13
  &#x2013; 18 to 19
  &#x2013; 20 to 27
  &#x2013; 30 to 31
  &#x2013; 34 to 37
  &#x2013; 38 to 50
Our
stakeholders
  &#x2013; Our stakeholders
  &#x2013; Section 172(1) statement
  &#x2013; Stakeholder focus areas
  &#x2013; 14 to 17
  &#x2013; 52 to 53
  &#x2013; 54 to 63
Environment   &#x2013; Market environment
  &#x2013; Climate-related disclosures
  &#x2013; Top and emerging risks
  &#x2013; Risk overview
  &#x2013; Risk factors
Environmental, social
and ethical policies
Our colleagues   &#x2013; Colleagues
  &#x2013; Approving refreshed values
  &#x2013; Diversity and Inclusion
  &#x2013; 58 to 61
  &#x2013; 53
  &#x2013; 59 to 61
Our code of conduct
Governance   &#x2013; Governance at a glance
  &#x2013; Section 172(1) statement
  &#x2013; Boardroom Inclusion Policy
  &#x2013; Corporate governance
  &#x2013; Directors&#x2019; remuneration report
  &#x2013; Report of the directors
Boardroom
Inclusion&#x202F;Policy
Social matters   &#x2013; Market environment
  &#x2013; Our strategy in action
  &#x2013; Stakeholder focus areas
  &#x2013; How we create value
  &#x2013; 32 to 33
  &#x2013; 20 to 27
  &#x2013; 54 to 63
  &#x2013; 34 to 37
Supplier Charter
Respect for
human rights
  &#x2013; Human rights and Modern Slavery   &#x2013; 39 Statement on Human
Rights
Anti-bribery
and corruption
(ABC)
  &#x2013; Risk overview
  &#x2013; Risk and capital management
  &#x2013; Mandatory learning for all colleagues
Statement on Anti-
Bribery and Corruption
Risk
management
  &#x2013; Risk overview
  &#x2013; Top and emerging risks
  &#x2013; Risk and capital management
  &#x2013; Risk factors
Environmental, social
and ethical policies
NatWest Group plc &#x2013; Annual Report on Form 20-F 77
Page references in
this document unless
otherwise specified
 &#x2013; 32 to 33
 &#x2013; 64 to 71
 &#x2013; 75
 &#x2013; 72 to 75
 &#x2013;
 &#x2013; 78 to 79
 &#x2013; 52 to 53
 &#x2013;
            &#x2013; 120 to 126
              &#x2013; 168 to 170
          &#x2013;    86 to 97

 &#x2013; 72 to 75
 &#x2013; 172 to 269
 &#x2013; 73 to 74
129 to 150 of the Annual Report on Form 20-F
 &#x2013;
129 to 150 of the Annual Report on Form 20-F
73 to 74
 &#x2013; 75
 &#x2013; 172 to 269
 &#x2013;
98 to 99

Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g080.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Governance at a glance
Governance
at a glance
Our Board
Board governance framework
The Board is collectively responsible for promoting the long-term success of NatWest Group plc, driving both shareholder value and
contribution to society. To assist in providing effective oversight and leadership, the Board has established the following committees:
NatWest Group plc Board
Group Audit
Committee

Group Board
Risk Committee

Group
Nominations and
Governance
Committee
Group
Performance and
Remuneration
Committee
Group
Sustainable
Banking
Committee
Technology
and Innovation
Committee
The Group CEO has established the Group Executive Committee to support her in discharging her responsibilities in
managing NatWest Group&#x2019;s businesses day to day.
  &#x2013; Various corporate documents including our Articles of Association and terms of reference for the Board and Board
Committees are available at natwestgroup.com.
Executive directors
  &#x2013; Alison Rose
(Group CEO)
  &#x2013; Katie Murray
(Group CFO)
Independent non-
executive directors
  &#x2013; Frank Dangeard
  &#x2013; Patrick Flynn
  &#x2013; Morten Friis
  &#x2013; Robert Gillespie
  &#x2013; Yasmin Jetha
  &#x2013; Mike Rogers
  &#x2013; Mark Seligman (Senior
Independent Director)
  &#x2013; Lena Wilson
Company Secretary
  &#x2013; Jan Cargill
Chairman
  &#x2013; Howard Davies
NatWest Group plc &#x2013; Annual Report on Form 20-F 78
The Board has 11 directors comprising the Chairman, two executive directors and eight independent non-executive directors.
Biographies of the directors are available on pages 82 to 85 of this document and at natwestgroup.com.
Francesca Barnes, Graham Beale and Ian Cormack are the three additional independent non-executive directors of NatWest
Holdings Limited and also attend NatWest Group plc Board meetings and relevant Board Committee meetings as observers.
Further information can be found in the Corporate governance report on pages 86 to 97 of this document.
our section 172(1) statement on pages 52 to 53 of this document.
see report &#x2013; page 100
of this document
see report &#x2013; page 108
of this document
see report &#x2013; page 98
of this document
see report &#x2013; page 120
of this document
see report &#x2013; page 116
of this document.
see report &#x2013; page 118
of this document
 &#x2013; Further information on our governance structure is available on pages 82 to 170 of this document.
 &#x2013; Information on how stakeholders have influenced Board discussions and decision-making during 2021 is available in </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g081.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Board composition
The charts below describe our Board&#x2019;s composition by gender,
tenure, age, and skills and experience as at 31 December 2021.
Female executive directors: 2
Female non-executive
directors: 2
Male Chairman +
non-executive directors: 7
Board composition by gender
2
2
7
0-3 years: 2
3-6 years: 6
6-9 years: 3
Board tenure
2
6
3
45-55: 2
56-65: 5
66-75: 4
Board age range
2
5
4
Board diversity and inclusion
The Board operates a Boardroom Inclusion Policy (available
at&#x202F;natwestgroup.com) which reflects the most recent industry
targets and is aligned to the NatWest Group Inclusion Policy
and Principles applying to the wider bank.
Throughout 2021 the Board met the recommendation of the
Parker Review with at least one member of the Board being
of&#x202F;Black, Asian or Minority Ethnic background and it intends
to&#x202F;continue to meet that recommendation (9% of the Board
at&#x202F;the end of 2021).
At the end of 2021 the Board exceeded the recommendation
of the FTSE Women Leaders Review (formerly the Hampton-
Alexander Review) of 33% female representation on the board,
with 36% of the Board being female.
Board skills and experience
The Board is structured to ensure that the directors provide
NatWest Group plc with the appropriate combination of skills,
experience and knowledge as well as independence.
The bar chart opposite is an extract from our Board skills
matrix, which is reviewed by the Group Nominations and
Governance Committee and approved by the Board annually.
The matrix reflects our directors&#x2019; self-assessment of the skills
and experience they bring to Board discussions, in line with
pre-determined criteria aligned to current and future
strategic&#x202F;priorities.
The 2021 external Board evaluation did not identify any
immediate or material gaps in Board skills and experience,
however it was acknowledged that the Board would benefit
from additional technology expertise. The Board and Group
Nominations and Governance Committee will continue to
keep&#x202F;Board skills and composition under review during 2022.
UK Corporate Governance Code
Throughout 2021, NatWest Group plc applied the principles
and complied with all of the provisions of the 2018 UK
Corporate Governance Code with the following exceptions:
  &#x2013; Provision 17 &#x2013; that the Group Nominations and Governance
Committee should ensure plans are in place for orderly
succession to both the board and senior management
positions, and oversee the development of a diverse
pipeline&#x202F;for succession; and
  &#x2013; Provision 33 &#x2013; that the Group Performance and
Remuneration Committee should have delegated
responsibility for setting remuneration for the Chairman
and&#x202F;executive directors.
The Board considers these are matters that should be reserved
for the Board.
Board skills and experience
Skills and experience
Number of directors
0 2 4 6 8 10 11
Risk management
Broad Financial Services
Transformation
Financial Markets / Investment Banking
Environmental, Social and Governance (incl climate)
CEO / Senior Executive Management
Customer experience
Government / regulatory / public sector
Retail / Commercial / Private Banking
Digital and Innovation
CFO / Accountant
Technology (infrastructure, cyber)
NatWest Group plc &#x2013; Annual Report on Form 20-F 79
Our full 2018 UK Corporate Governance Code compliance
statement is available on page 165 of this document.
Our full Corporate governance report is available on pages 86 to
 97 of this document and includes our Board Committee reports,
 the Directors&#x2019; remuneration report and the Report of the
directors.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g082.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Governance</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g083.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">80 Governance
82 Our Board
86 Chairman&#x2019;s introduction
87 Corporate governance
98 Report of the Group Nominations and
Governance Committee
100 Report of the Group Audit Committee
108 Report of the Group Board Risk Committee
116 Report of the Group Sustainable Banking Committee
118 Report of the Technology and Innovation Committee
120 Directors&#x2019; remuneration report
142 Annual remuneration report
159 Other remuneration disclosures
165 Compliance report
168 Report of the directors
171 Statement of directors&#x2019; responsibilities</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g084.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our Board
Corporate governance
Howard Davies
Chairman
Alison Rose
Group Chief Executive Officer
Date of appointment:
1 November 2019
Committee memberships
N/A
Contribution to the Board:
Alison has been instrumental in
leading&#x202F;NatWest Group&#x2019;s progress
and&#x202F;performance as a purpose-led
organisation, since NatWest Group&#x2019;s
purpose was announced in February 2020.
Having gained a wealth of frontline
banking experience during her 29-year
career with NatWest, Alison brings a
strong customer focus to Board
discussions alongside an essential
stakeholder lens. Alison is a passionate
supporter of diversity and is executive
sponsor for NatWest Group&#x2019;s
employee-led networks.
Relevant experience:
Having joined as a graduate in 1992,
Alison&#x2019;s diverse career at NatWest Group
has included a number of senior leadership
roles, including Deputy CEO of NatWest
Holdings; Chief Executive of Commercial &amp;
Private Banking; Head of Europe, Middle
East and Africa, Markets &amp; International
Banking; and Global Head of International
Banking Capital and Balance Sheet. In
2019, Alison was commissioned by the UK
Government to report on the barriers to
women starting businesses. She now
sits&#x202F;on the Rose Review Board and is
responsible for driving forward its
recommendations.
Current external appointments:
  &#x2013; Board member of the Institute of
International Finance
  &#x2013; Member of the International Business
Council for the World Economic Forum
  &#x2013; Trustee of Business in the Community
(BITC) and Chair of the Scottish BITC
Advisory Board
  &#x2013; Non-executive director of Great
Portland Estates plc
  &#x2013; Director of the Coutts Charitable
Foundation
  &#x2013; Member of the UK Government&#x2019;s Help
to Grow Advisory Council
Date of appointment:
14 July 2015 (Board), 1 September 2015
(Chairman)
Committee memberships
Contribution to the Board:
Howard brings substantial financial
services knowledge and experience to the
Board, together with a deep understanding
of global economic, environmental and
social issues. With extensive board level
experience, Howard draws on his prior
regulatory and supervisory expertise to
contribute both strategic and practical
insights to Board discussions and debate.
Howard is also a highly adept Chairman
with valuable leadership and stakeholder
management skills.
Relevant experience:
Howard has held several regulatory
roles during his career including Chairman
of the UK Financial Services Authority
and Deputy Governor of the Bank of
England. Howard was Director of the
London School of Economics and Political
Science and is also Professor of Practice
at the Paris Institute of Political Studies
(Sciences Po).
Howard has also previously served as a
non-executive director of Morgan Stanley
and Prudential plc, as Chairman of
Phoenix plc and as Chair of the UK
Airports Commission.
Current external appointments:
  &#x2013; Chairman of Inigo Limited
  &#x2013; Member of the Regulatory and
Compliance Advisory Board of
Millennium Management LLC
  &#x2013; Chair of the International Advisory
Council of the China Securities
Regulatory Commission
  &#x2013; Member of the International Advisory
Council of the China Banking and
Insurance Regulatory Commission
N
Date of appointment:
1 January 2019
Committee memberships
N/A
Contribution to the Board:
Katie is a Chartered Accountant with
nearly 30 years experience in finance and
accounting gained through several roles
across the financial services industry.
Katie&#x2019;s deep knowledge and experience
in&#x202F;specialist areas including capital
management, investor relations and
financial planning mean she is well
placed&#x202F;to provide valuable input and
expertise during Board discussions.
Relevant experience:
Katie joined NatWest Group as Director
of&#x202F;Finance in 2015 and was appointed as
Deputy Chief Financial Officer in March
2017. She was appointed as Chief
Financial Officer in January 2019.
Katie was previously the Group Finance
Director for Old Mutual Emerging Markets,
based in Johannesburg (2011 to 2015),
having held various roles across Old
Mutual from 2002. Prior to this Katie
worked at KPMG for 13 years. She is
a&#x202F;member of the Institute of Chartered
Accountants in Scotland.
Current external appointments:
  &#x2013; Member of the Money and Pensions
Service Advisory Group
Katie Murray
Group Chief Financial Officer
Board Committees
Group Nominations &amp; Governance Committee
S Group Sustainable Banking Committee
A Group Audit Committee
T Technology and Innovation Committee
Ri Group Board Risk Committee
Re Group Performance &amp; Remuneration Committee
Underline indicates Committee Chairman
N
NatWest Group plc &#x2013; Annual Report on Form 20-F 82 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g085.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Date of appointment:
1 April 2017 (Board), 1 January 2018
(Senior Independent Director)
Committee memberships
Contribution to the Board:
Mark, a former senior investment banker,
brings comprehensive financial services
knowledge and substantial FTSE&#x202F;100
board experience to the Board. A former
boardroom adviser, Mark contributes
significant banking and corporate
transformation expertise in particular,
alongside a range of customer and
wider&#x202F;stakeholder engagement skills.
Relevant experience:
Mark has held various senior roles at
Credit Suisse/BZW during his executive
career, including Deputy Chairman, CSFB
Europe and Chairman, UK Investment
Banking, CSFB.
Mark has served as a non-executive
director on company boards across a
range of industry sectors, including BG
Group plc, as Senior Independent Director
of Kingfisher plc, and as Deputy Chairman
of G4S plc. He has significant experience
of chairing committees and as a Senior
Independent Director.
Current external appointments:
  &#x2013; Non-executive director of
Smiths Group plc
  &#x2013; Non-executive director and trustee of
The Brooklands Museum
A Re N
Date of appointment:
16 May 2016
Committee memberships
Contribution to the Board:
Frank is a former investment banker
and&#x202F;technology company CEO with
substantial global board expertise.
This&#x202F;broad background enables Frank to
make a valuable contribution to Board
discussions, particularly in relation to
technology, digital and innovation matters.
Frank&#x2019;s experience also encompasses key
areas including customer experience,
stakeholder engagement, ESG and risk.
In&#x202F;April 2018, Frank assumed the role of
Chairman of NatWest Markets Plc, which
enables him to bring a unique perspective
to Board debate.
Relevant experience:
During his executive career, Frank held
various roles at Thomson S.A., including
Chairman and Chief Executive Officer,
and&#x202F;was Deputy Chief Executive Officer
of&#x202F;France Telecom. Prior to that he was
Chairman of SG Warburg France and
Managing Director of SG Warburg.
Frank has also held a number of non-
executive roles at Cr&#xE9;dit Agricole CIB,
EDF, Home Credit, Orange, Sonaecom
SGPS and Arqiva Group Limited. He
was&#x202F;also Deputy Chairman and acting
Chairman of Telenor ASA, an international
media communications group.
Current external appointments:
  &#x2013; Chairman of NortonLifeLock Inc.
  &#x2013; Non-executive director of IHS
Holding&#x202F;Limited
  &#x2013; Chairman of SPEAR Investments I B.V.
  &#x2013; Chairman of the Advisory Board of
STJ&#x202F;Advisors
Re T
Date of appointment:
1 June 2018
Committee memberships
Contribution to the Board:
Patrick contributes significant retail
and commercial banking experience to
the Board, together with a background
in complex organisational restructuring
and technology transformation. This
experience enables Patrick to provide
insightful contributions to Board
discussions on complex matters,
alongside his significant financial
knowledge and expertise.
Relevant experience:
Patrick was the Chief Financial Officer
and a member of the Executive Board
of ING Group for over eight years to
May 2017. Prior to that, he worked for
HSBC for 20 years. Patrick is a Fellow
of Chartered Accountants Ireland.
Current external appointments:
  &#x2013; Non-executive director and Senior
Independent Director of Aviva plc
A T Ri N
Mark Seligman
Senior Independent Director
Frank Dangeard
Independent non-executive director
Patrick Flynn
Independent non-executive director
NatWest Group plc &#x2013; Annual Report on Form 20-F 83 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g086.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Morten Friis
Independent non-executive director
Robert Gillespie
Independent non-executive director
Corporate governance continued
Yasmin Jetha
Independent non-executive director
Date of appointment:
2 December 2013
Committee memberships
Contribution to the Board:
Having run a global investment bank
during his executive career, Robert has
in-depth knowledge of banking and its
role&#x202F;within the economy. As a Chartered
Accountant, Robert understands complex
organisations and demonstrates strong
stakeholder management and leadership
skills, which enable him to provide
constructive views and contributions
during Board discussions.
Relevant experience:
Robert&#x2019;s career in investment banking
specialised in corporate advisory work. He
was also Director General of the Takeover
Panel from 2010 until 2013. Prior to that
Robert held a number of senior positions
at UBS including being global head of
investment banking, Chief Executive of
UBS for EMEA and Vice Chairman of UBS
Investment Bank. Robert began his career
at Price Waterhouse (now PwC) and then
S.G. Warburg which subsequently became
part of UBS.
Robert was also previously Chairman of
The Boat Race Company Limited.
Current external appointments:
  &#x2013; Non-executive director of Burford
Capital Limited
  &#x2013; Professor of Practice at the University
of Durham
  &#x2013; Non-executive director of Social
Finance Limited
A Ri Re N
Date of appointment:
10 April 2014
Committee memberships
Contribution to the Board:
Morten is a former frontline banker,
who&#x202F;subsequently became a Chief
Risk&#x202F;Officer in a universal bank. He has
in-depth knowledge and expertise in risk
management within the financial services
industry, which enables him to make
a&#x202F;substantial contribution to Board
discussions and debate on risk matters.
Morten is also knowledgeable in regulatory
matters, capital markets, transformation
management and corporate resolution.
Relevant experience:
Morten&#x2019;s extensive executive career
included various roles at Royal Bank
of&#x202F;Canada and its subsidiaries, such
as&#x202F;Senior Vice President, Group Risk
Management, Chief Credit Officer and
then Chief Risk Officer. Previously he
was&#x202F;also a Director of RBC Bank (USA);
Westbury Life Insurance Company; RBC
Life Insurance Company; and RBC Dexia
Investor Services Trust Company.
Morten also served as a Non-executive
director of Jackson National Life Insurance
Company for five years, and was chair of
its board risk committee and a member
of&#x202F;its audit committee.
Current external appointments:
  &#x2013; Member of the board of directors of
the&#x202F;Harvard Business School Club
of&#x202F;Toronto
A Ri N
Date of appointment:
1 April 2020
Committee memberships
Contribution to the Board:
Yasmin brings a wealth of retail banking
and customer experience to the Board, as
well as valuable technology and innovation
insights, and a strong background in
general management. Yasmin adds
strength and depth to the Board in these
important areas, supporting challenge and
debate and effective decision-making.
On 1 April 2020 Yasmin re-joined the
Board of NatWest Group plc, having first
been appointed in June 2017. Yasmin
stepped down in April 2018 in order
to&#x202F;serve solely as a director of our key
ring-fenced entities, and, like the majority
of our directors, she continues to serve on
these boards in addition to the Board of
NatWest Group plc.
Relevant experience:
During her executive career, Yasmin held
Chief Information Officer roles at Bupa
and the Financial Times, where she later
became the Chief Operating Officer. Prior
to that Yasmin held a number of senior
roles at Abbey National PLC, in a career
spanning nearly 20 years, where latterly
she served as an executive director on
the board.
Yasmin has also held a number of
non-commercial roles including Vice
Chair&#x202F;of the Board of Governors at the
University of Bedfordshire (2008 to 2011)
and Vice Chair of the National Committee
of the Aga Khan Foundation (UK) Ltd, a
non-denominational charity that works
with communities in Africa, Asia and the
Middle East.
Current external appointments:
  &#x2013; Non-executive director of Guardian
Media Group plc
  &#x2013; Non-executive director of Nation Media
Group Limited
S T
NatWest Group plc &#x2013; Annual Report on Form 20-F 84 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g087.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Mike Rogers
Independent non-executive director
Lena Wilson
Independent non-executive director
Jan Cargill
Chief Governance Officer and Company
Secretary
Date of appointment:
26 January 2016
Committee memberships
Contribution to the Board:
Mike is an extremely experienced retail
and commercial banker, with extensive
boardroom experience. As a former Chief
Executive, Mike brings a broad-based
skillset and perspective to the Board,
particularly in relation to customer
experience, general management
and&#x202F;stakeholder engagement.
Relevant experience:
During his executive career Mike was
Chief Executive of Liverpool Victoria
Group and he held a variety of roles, both
in the UK and overseas, at Barclays Bank.
This included roles in business banking,
wealth management and retail banking
where Mike was Managing Director of
Small Business, Premier Banking and
UK&#x202F;Retail Banking.
Current external appointments:
  &#x2013; Chairman of Experian plc
  &#x2013; Chairman of Aegon UK plc
Re S
Date of appointment:
1 January 2018
Committee memberships
Contribution to the Board:
Lena contributes significant knowledge
and experience to the Board drawn from a
broad executive and non-executive career.
She has extensive transformation and
development skills, with experience
in&#x202F;enterprise, internationalisation,
stakeholder&#x202F;management, ESG
and&#x202F;general management.
As Chair of the NatWest Group Colleague
Advisory Panel since it was established in
2018, Lena provides valuable insights on
customer and people issues in particular.
Relevant experience:
Lena has a portfolio of Chair roles in the
listed, private equity and professional
services sectors. She has been a FTSE&#x202F;100
non-executive director for 10 years and
previously served on the boards of Scottish
Power Renewables Limited and Intertek
Group plc. Lena was Chief Executive of
Scottish Enterprise from November 2009
until October 2017 and prior to that, was
Senior Investment Advisor to The World
Bank in Washington DC.
Lena was a member of Scotland&#x2019;s
Financial Services Advisory Board and
Chair of Scotland&#x2019;s Energy Jobs Taskforce.
In June 2015 she received a CBE for
services to economic development
in&#x202F;Scotland.
Current external appointments:
  &#x2013; Chair of Picton Property
Income&#x202F;Limited
  &#x2013; Chair of AGS Airports Limited
  &#x2013; Senior Independent Director of
Argentex Group plc
  &#x2013; Member of the UK Prime Minister&#x2019;s
Business Council for 2022
  &#x2013; Chair of the Advisory Board of Turtle
Pack Limited
  &#x2013; Chair of Chiene + Tait LLP
  &#x2013; Visiting Professor, University
of&#x202F;Strathclyde Business School
Re S Ri
Date of appointment:
5 August 2019
Contribution to the Board:
Jan works closely with the Chairman to
ensure effective and efficient functioning
of the Board and appropriate alignment
and information flows between the Board
and its Committees. She is responsible for
advising the Board and individual directors
on all governance matters, and also
facilitates Board induction and
directors&#x2019;&#x202F;professional development.
Relevant experience:
Jan is a chartered company secretary
with over 20 years corporate governance
experience. She was appointed Chief
Governance Officer and Company
Secretary in 2019, and prior to that held
various roles in the legal and secretariat
functions, including Head of Board and
Shareholder Services.
Jan has a law degree and is a Fellow
of&#x202F;the Chartered Banker Institute. She
is&#x202F;also an Associate of The Chartered
Governance Institute and has an INSEAD
Certificate in Corporate Governance.
NatWest Group plc &#x2013; Annual Report on Form 20-F 85 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g088.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Chairman&#x2019;s
introduction
Corporate governance continued
Contents
Nominations and
Governance Committee
responsibilities
Dear Shareholder,
I am pleased to present the Corporate
Governance Report for&#x202F;2021.
The Board met mostly virtually during the
year and while we missed the opportunity to
meet and engage with colleagues in person,
virtual meeting technology continued to offer
an effective alternative which supported the
efficient running of the Board.
The Board spent significant time overseeing
the implementation of our strategy and transformation programme alongside other
key priorities including our ongoing withdrawal from the Republic of Ireland, capital
distributions and financial crime. COVID-19 also remained a key area of focus for
the&#x202F;Board in 2021, particularly the support being provided to our customers and
colleagues. The three additional independent non-executive directors of NatWest
Holdings Limited attend all Board and relevant Board Committee meetings
as&#x202F;observers and contribute a ring-fenced bank perspective to Board and
Committee&#x202F;discussions.
There were no changes to Board or Board Committee membership during 2021,
however we continue to keep the composition, skills and experience of the Board
under review.
Board effectiveness
UK Corporate Governance Code 2018
All directors are committed to observing high standards of corporate governance,
integrity and professionalism.
In conclusion I would like to thank my fellow Board members for their outstanding
contributions and commitment throughout the year.
Howard Davies
Chairman of the Board
17 February 2022
NatWest Group plc &#x2013; Annual Report on Form 20-F 86
82 Our Board
86 Corporate governance
98 Report of the Group
100 Report of the Group
 Audit Committee
108 Report of the Group Board
 Risk Committee
116 Report of the Group
Sustainable Banking
Committee
118 Report of the Technology and
 Innovation Committee
120 Directors&#x2019;  remuneration
 report
165 Compliance report
168 Report of the directors
171 Statement of directors&#x2019;

Further details of the Board&#x2019;s principal activities during 2021 can be found on
page 88 of this document.
As a Board, we know how important it is to engage with our stakeholders, to listen
to them and to consider their interests during Board discussions and decision-making.
Understanding the needs of our stakeholders is at the core of our purpose framework
as shown on pages 12 to 13 of this document.
Examples of how the Board has engaged with key stakeholders and considered
their interests, including the impact on principal decisions, can be found on pages
14 to 17 and pages 52 to 53 of the Strategic report in this document and later in
this Corporate governance report.
In 2021, the Board and Committee evaluation was externally facilitated by
Independent Board Evaluation. Further information on how the evaluation
was conducted, key outcomes and actions arising can be found on page 96
in this document.
Information on how the company has applied the Principles and complied with the
Provisions of the UK Corporate Governance Code 2018 (the Code) can be found in this
Corporate governance report under the Code&#x2019;s five main section headings. A formal
statement of compliance with the Code can be found on page 165 of this document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g089.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Board and Committee meetings
The table below shows Board and Committee membership and directors&#x2019; meeting attendance during 2021. There were six
scheduled Board meetings during 2021, the same number as in 2020.
In addition to scheduled meetings, additional ad hoc meetings of the Board and some of its Committees were held throughout the
year to receive updates and deal with time-critical matters. There were eight additional Board meetings held in 2021 compared to
16 additional meetings held in 2020. When directors are unable to attend meetings convened at short notice, they receive the
papers and have the opportunity to provide their feedback in advance.
In accordance with the Code, the Chairman and the non-executive directors met at least once without executive directors present.
Board and Committee membership and meeting attendance in 2021
Board
Group Audit
Committee (GAC)
Group Board Risk
Committee (BRC)
Group Nominations
and Governance
Committee (N&amp;G)
Group Performance
and Remuneration
Committee (RemCo)
Group Sustainable
Banking Committee
(SBC)
Technology and
Innovation
Committee (TIC)
Director Scheduled Ad hoc Scheduled Ad hoc Scheduled Ad hoc Scheduled Ad hoc Scheduled Ad hoc Scheduled Ad hoc Scheduled Ad hoc
Howard Davies 6/6 8/8 &#x2013; &#x2013; &#x2013; &#x2013; 4/4 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Alison Rose  6/6 8/8 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Katie Murray 6/6 8/8 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Frank Dangeard(1) 6/6 7/8 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; 8/8 3/3 &#x2013; &#x2013; 4/4 &#x2013;
Patrick Flynn  6/6 8/8 5/5  &#x2013; 8/8 1/1 4/4 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; 4/4 &#x2013;
Morten Friis  6/6 8/8 5/5 &#x2013; 8/8 1/1 4/4 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Robert Gillespie  6/6 8/8 5/5 &#x2013; 8/8 1/1 4/4 &#x2013; 8/8 3/3 &#x2013; &#x2013; &#x2013; &#x2013;
Yasmin Jetha  6/6 8/8 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; 5/5 2/2 4/4 &#x2013;
Mike Rogers(1) 6/6 7/8 &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; 8/8 3/3 5/5 2/2 &#x2013; &#x2013;
Mark Seligman 6/6 8/8 5/5 &#x2013; &#x2013; &#x2013; 4/4 &#x2013; 8/8 3/3 &#x2013; &#x2013; &#x2013; &#x2013;
Lena Wilson  6/6 8/8 &#x2013; &#x2013; 8/8 1/1 &#x2013; &#x2013; 8/8 3/3 5/5 2/2 &#x2013; &#x2013;
(1)  Mr Dangeard and Mr Rogers were each unable to attend one ad hoc meeting, due to prior commitments.
How the Board operated in 2021
The Board continued to meet largely virtually during 2021.
A&#x202F;hybrid meeting was held in July and in September the full
Board was able to meet in person for the first time since the
start of the pandemic.
At each scheduled Board meeting the directors received
reports from the Chairman, Board Committee Chairmen,
Group Chief Executive Officer (Group CEO), Group Chief
Financial Officer (Group CFO), Group Chief Risk Officer
and&#x202F;other members of the executive management team, as
appropriate (referred to in the Board annual calendar which
follows as &#x2018;regular reports&#x2019;). Other senior executives attended
Board meetings throughout the year to present reports to the
Board. This provided the Board with an opportunity to engage
directly with management on key issues and support
succession planning.
The Board and Group Executive Committee (ExCo) operating
rhythm continues to support a proactive and transparent
agenda planning and paper preparation process. This
process&#x202F;includes the following key elements:
  &#x2013; A pre-Board meeting with the Chairman, Group CEO,
Group CFO and Chief Governance Officer and Company
Secretary to ensure the Board and executive management
are aligned on Board agendas.
  &#x2013; A post Board meeting with the Chairman, Group CEO
and&#x202F;Chief Governance Officer and Company Secretary
to&#x202F;discuss what went well or could be improved after
each&#x202F;meeting.
  &#x2013; A look ahead paper at each ExCo and Board meeting
setting out key items that will be discussed at the
next&#x202F;meeting.
NatWest Group plc &#x2013; Annual Report on Form 20-F 87 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g090.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Corporate governance continued
Board annual calendar for 2021
Spotlight and ad hoc items Scheduled items Training
January
(ad hoc)
  &#x2013; Strategy updates
  &#x2013; Capital distributions
  &#x2013; Executive remuneration
February   &#x2013; Strategy updates
  &#x2013; Budget
  &#x2013; Capital distributions
  &#x2013; Banking Standards Board
presentation (now Financial
Services Culture Board or FSCB)
  &#x2013; Regular reports
  &#x2013; Business reviews
  &#x2013; 2020 Annual Results (including
ESG Supplement and Climate-
related Disclosures Report)
  &#x2013; Legal and regulatory report
  &#x2013; Board business insights pack
  &#x2013; 2021 Board objectives
  &#x2013; 2021 Annual General Meeting
arrangements

March
(ad hoc)
  &#x2013; Talent engagement session
  &#x2013; Strategy
  &#x2013; One Bank transformation
  &#x2013; Colleague Advisory Panel report
  &#x2013; Directed share buyback
  &#x2013; Internal Capital Adequacy
Assessment Process
  &#x2013; Internal Liquidity Adequacy
Assessment Process
  &#x2013; Board succession planning
  &#x2013; Financial crime
  &#x2013; Operational resilience
  &#x2013; Consumer protection
April   &#x2013; Strategy updates
  &#x2013; One Bank transformation
  &#x2013; Regular reports
  &#x2013; Business reviews
  &#x2013; Risk management framework
  &#x2013; Risk appetite
  &#x2013; Q1 2021 results
  &#x2013; Legal and regulatory report
  &#x2013; Board business insights pack
  &#x2013; 2021 Annual General Meeting
arrangements
  &#x2013; Health and safety annual review
  &#x2013; Governance Framework
annual&#x202F;review
Principal areas of Board focus in 2021
As in 2020, a short set of Board objectives was adopted for
2021, closely aligned to our purpose and strategic priorities.
These have supported agenda planning and helped to guide
how the Board spends its time, ensuring appropriate focus on
the longer-term and strategic issues. Whilst our response to the
COVID-19 pandemic continued to be a priority for the Board,
there was a shift away from standalone pandemic-related
updates towards integrated reporting on COVID-19 related
matters across the Board agenda, including through our
regular reports and business reviews.
The Chief Governance Officer and Company Secretary
maintains an annual agenda planner designed to ensure
that&#x202F;all matters set out in the Board&#x2019;s terms of reference are
considered by the Board. The table below is an overview of the
main matters considered by the Board during 2021 and also
shows the Board training provided. In 2021, we introduced the
use of videos into Board training and presentations which has
been well received by the Board. They have been used, for
example, to deliver background materials as well as insights
from colleagues and customers to support Board discussions.
Ad hoc meetings of the Board were held concurrently with
scheduled meetings of the Board of NatWest Holdings Limited
in March and September, to deal with any time critical matters
or to support efficient review of items of mutual interest.
NatWest Group plc &#x2013; Annual Report on Form 20-F 88 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g091.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Spotlight and ad hoc items Scheduled items Training
June   &#x2013; Talent and executive succession
  &#x2013; Recovery plans
  &#x2013; Capital distributions
  &#x2013; Annual Board strategy session
  &#x2013; Regular reports
  &#x2013; Colleague Advisory Panel report
  &#x2013; Business reviews
  &#x2013; Legal and regulatory report
  &#x2013; Board business insights pack
  &#x2013; Group money laundering reporting
officer report
  &#x2013; Financial crime
  &#x2013; 2020 Modern Slavery and
Human&#x202F;Trafficking statement
  &#x2013; Our View mid-year survey results
  &#x2013; 2021 solvency stress test results
  &#x2013; Directors&#x2019; duties in resolution
July   &#x2013; Prudential Regulation
Authority&#x202F;presentation
and&#x202F;engagement session
  &#x2013; Culture spotlight
  &#x2013; One Bank transformation
  &#x2013; Brand portfolio
  &#x2013; Capital distributions
  &#x2013; Resolvability Self-Assessment
  &#x2013; On-market share buyback
  &#x2013; Regular reports
  &#x2013; Business reviews
  &#x2013; H1 2021 results
  &#x2013; Legal and regulatory report
  &#x2013; Board business insights pack
  &#x2013; Cyber security
September
(ad hoc)
  &#x2013; One Bank transformation
  &#x2013; Budget and stress scenarios
  &#x2013; Climate Biennial Stress Test
results
  &#x2013; Financial crime
  &#x2013; Financial crime
October   &#x2013; Strategy updates
  &#x2013; One Bank transformation
  &#x2013; Our View annual survey results
  &#x2013; Regular reports
  &#x2013; Business reviews
  &#x2013; Q3 2021 results
  &#x2013; Talent and executive succession
  &#x2013; Legal and regulatory report
  &#x2013; Board business insights pack
  &#x2013; Climate
December   &#x2013; Strategy updates
  &#x2013; One Bank transformation
  &#x2013; Annual Board effectiveness review
  &#x2013; Budget
  &#x2013; Capital distributions
  &#x2013; Operational resilience
  &#x2013; Our values refresh
  &#x2013; Culture measurement report
  &#x2013; Annual purpose update
  &#x2013; Brand portfolio
  &#x2013; Board skills matrix
  &#x2013; Executive performance and
remuneration
  &#x2013; Regular reports
  &#x2013; Business reviews
  &#x2013; Colleague Advisory Panel report
  &#x2013; Risk management framework
  &#x2013; Risk appetite
  &#x2013; Board business insights pack
  &#x2013; Financial crime
  &#x2013; 2022 Annual General Meeting
arrangements
Online training
Included video materials as part
of training or Board materials.
NatWest Group plc &#x2013; Annual Report on Form 20-F 89 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g092.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Subsidiary governance and ring-fencing
NatWest Group plc is a listed company with equity listed on the
London and New York stock exchanges.
NatWest Holdings Limited (NWH) is the holding company for
our ring-fenced operations, which include our retail, commercial
and private banking businesses. A common board structure is
operated such that the directors of NWH are also directors of
The Royal Bank of Scotland plc and National Westminster Bank
Plc. Known collectively as the NWH Sub Group, the boards of
these three entities meet concurrently.
On 3 May 2021, following Court approval, the business of
Ulster Bank Limited was transferred into its immediate parent,
National Westminster Bank Plc (NWB Plc). This reorganisation
saw the Ulster Bank brand in Northern Ireland become a
trading name of NWB Plc and simplified the NatWest Group
by&#x202F;aligning the legal entity structure with the pre-existing
management structure. The simplification ensured continuity
of&#x202F;service under the Ulster Bank brand, with customers
continuing to receive the same products and services through
the same channels. Colleagues became employees of NWB Plc,
with their existing benefits and conditions of employment
remaining unchanged.
An integral part of NatWest Group&#x2019;s governance arrangements
is the appointment of three double independent non-executive
directors (DINEDs) to the boards, and board committees, of the
NWH Sub Group. They are Francesca Barnes, Graham Beale,
and Ian Cormack.
The DINEDs are independent in two respects: (i) independent
of management as non-executives; and (ii) independent of
the&#x202F;rest of NatWest Group by virtue of their NWH Sub
Group-only directorships.
The DINEDs play a critical role in NatWest Group&#x2019;s ring-fencing
governance structure, and are responsible for exercising
appropriate oversight of the independence and effectiveness
of&#x202F;the NWH Sub Group&#x2019;s governance arrangements, including
the ability of each board to take decisions independently.
The DINEDs attend NatWest Group plc Board and relevant
Board Committee meetings in an observer capacity.
The governance arrangements for the boards and board
committees of NatWest Group plc and the NWH Sub Group
have been designed to enable NatWest Group plc to exercise
appropriate oversight and to ensure that, as far as is
reasonably practicable, the NWH Sub Group is able
to&#x202F;take&#x202F;decisions independently of the wider Group.
NatWest Markets supports NatWest Group&#x2019;s corporate
and institutional customers through NatWest Markets Plc
and its subsidiaries.
RBS International serves retail, commercial and corporate
customers and financial institutions and operates through
The Royal Bank of Scotland International (Holdings) Limited
and its subsidiaries.
The Group Nominations and Governance Committee monitors
the governance arrangements of NatWest Group plc and its
2018 UK Corporate Governance Code
Throughout the year the company has applied the Principles
and complied with the Provisions of the Code, except in
relation to:
  &#x2013; Provision 17 that the Group Nominations and Governance
Committee should ensure plans are in place for orderly
succession to both the board and senior management
positions and oversee the development of a diverse
pipeline&#x202F;for succession; and
  &#x2013; Provision 33 that the Group Performance and Remuneration
Committee should have delegated responsibility for setting
remuneration for the Chairman and executive directors.
In addition, the Board has delegated two particular aspects
of&#x202F;the Code&#x2019;s provisions to Board Committees, with regular
updates provided to the Board as appropriate:
  &#x2013; The Group Audit Committee has delegated responsibility
for&#x202F;reviewing and monitoring NatWest Group&#x2019;s
whistleblowing process.
  &#x2013; The Group Sustainable Banking Committee has delegated
responsibility for reviewing key workforce policies and
practices (not related to pay) to ensure they are consistent
with NatWest Group&#x2019;s values and support long-term
sustainable success.
For further information please refer to the remainder
of this report and the relevant Committee reports on the
following pages.
Further information on how the company has applied the
Principles and complied with the Provisions of the Code is
set&#x202F;out below under the Code&#x2019;s five main section headings.
Board leadership and company purpose
Role of the Board
The Board is collectively responsible for promoting the
long-term sustainable success of the company, driving both
shareholder value and contribution to wider society. The
Board&#x2019;s role is to provide leadership of the company within
a&#x202F;framework of prudent and effective controls which enables
risk to be assessed and managed. The Board establishes
NatWest Group&#x2019;s purpose, values and strategy and leads the
development of NatWest Group&#x2019;s culture. The Board sets the
strategic aims of the company and its subsidiaries, ensures that
the necessary resources are in place for NatWest Group to
meet its objectives, is responsible for the raising and allocation
of capital and reviews business and financial performance.
It&#x202F;ensures that the company&#x2019;s obligations to its shareholders
and other key stakeholders are understood and met.
Corporate governance continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 90
subsidiaries and approves appointments to the boards of
principal and material regulated subsidiaries, as described in
the Group Nominations and Governance Committee report
on page 98 of this document.
In both instances, the Board considers that these are matters
which should rightly be reserved for the Board, as set out in
more detail in our statement of compliance on page 165 of
this document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g093.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The Board terms of reference include a formal schedule
of&#x202F;matters specifically reserved for the Board&#x2019;s decision
and&#x202F;are reviewed at least annually. They are available at
natwestgroup.com. An internal review confirmed the Board
had fulfilled its remit as set out in its terms of reference
during&#x202F;2021.
Board Committees
The Board has established a number of Board Committees
with particular responsibilities. Please refer to the Committee
Chairman reports for further details. Board Committee terms
of reference are available at natwestgroup.com.
Purpose, values, strategy and culture
In February 2020, and following an extensive period of
stakeholder engagement, the Board approved NatWest
Group&#x2019;s purpose and strategy. Throughout 2021, our
purpose&#x202F;has continued to inform and drive our response to the
pandemic, acting as an important point of reference during
Board discussions, debate and decision-making.
The Board received its annual purpose update in December
2021 which summarised progress in becoming a purpose-led
bank against the three purpose focus areas of climate,
enterprise and learning. It highlighted the progress to
date on embedding purpose and delivering against public
commitments; the key areas of focus for 2022; and an update
on stakeholders&#x2019; perception of NatWest Group and its purpose
aligned to the Blueprint for Better Business framework.
Further information on progress against our purpose and
strategic priorities can be found in the Strategic report.
The Board assesses and monitors NatWest Group&#x2019;s culture
in&#x202F;several ways, as illustrated by the diagram below.
NatWest Group plc &#x2013; Board responsibilities in relation to culture
  &#x2013; Leads the development of NatWest Group&#x2019;s culture, values and standards.
  &#x2013; Assesses and monitors culture.
  &#x2013; Reviews and approves NatWest Group&#x2019;s values.
Board reporting on culture
What did the Board receive? When did it
receive it? Key areas of focus
Banking Standards Board (BSB)
presentation (now FSCB)
February BSB&#x2019;s 2020 Survey Annual Report and its review of the embedding of purpose in
NatWest Group.
Colleague Advisory
Panel&#x202F;reports
March
June
December
Feedback on discussions from Colleague Advisory Panel meetings. Topics
covered included wellbeing support for colleagues, retail banking strategy,
purpose, remuneration (including executives and the wider workforce),
climate&#x202F;and ways of working.
One Bank Transformation
Programme spotlight on
organisation, skills and culture
April
October
Future of work and strategic workforce planning. This covered new ways of
working, colleague journeys, colleague experience, career development, skills
and capability, learning, wellbeing and inclusion.
Our View colleague survey June
October
December
Insights from the colleague opinion surveys conducted in April and September
2021. Key measures included culture, purpose, building capability, inclusion,
engagement and leadership. A follow up paper was presented to the Board
in&#x202F;December to address an action from the Board on how to strengthen
engagement with middle and senior mangers on leading through transformation.
Culture spotlight July An update on the refresh of our values and the alignment to purpose and
strategy as well as an overview of cultural strengths, behavioural weaknesses,
operating model and future culture.
Culture measurement report July
December
Insights and metrics to allow the Board to assess the status of NatWest Group&#x2019;s
culture and understand future priorities. The reports used the Blueprint for
Better Business framework to report progress highlighting both positive trends
and areas for improvement.
Our values December The Board was asked to approve the refreshed values which had been updated
to ensure greater alignment to purpose and strategy.
Board business insights pack Each meeting Metrics to demonstrate how NatWest Group is delivering for colleagues
(culture,&#x202F;purpose and inclusion).
The activities described above have supported the Board in meeting the Code requirement to satisfy itself that the company&#x2019;s
purpose, values, strategy and culture are aligned.
NatWest Group plc &#x2013; Annual Report on Form 20-F 91
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g094.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Corporate governance continued
Stakeholder
Group
How stakeholder
views have been
communicated
Examples of what was shared How did the Board use that information?
Customers   &#x2013; Group CEO report
  &#x2013; Business reviews
  &#x2013; Ad hoc reports to
the Board
  &#x2013; Updates on customer engagement activity and
customer sentiment.
  &#x2013; Competition and Markets Authority service
quality results and Net Promoter Scores.
  &#x2013; Allowed the Board to oversee and challenge business
performance more effectively and better understand
performance versus peers.
Colleagues   &#x2013; Group CEO report
  &#x2013; Business reviews
  &#x2013; Colleague specific
papers presented
to the Board
  &#x2013; Ways of working updates.
  &#x2013; Our View survey results.
  &#x2013; Culture measurement reports.
  &#x2013; Colleague input to the development of our
refreshed values.
  &#x2013; Allowed the Board to better understand colleague
sentiment and levels of colleague engagement and, in
the case of the values refresh, how colleagues&#x2019; views
have been considered and influenced the final proposal.
Communities   &#x2013; Board training
  &#x2013; Ad hoc reports to
the Board
  &#x2013; Training materials on climate.
  &#x2013; Launch of CareerSense.
  &#x2013; The climate training session updated the Board on
progress against our climate ambitions, goals and
targets and supported a better understanding of
regulatory and investor expectations on climate.
  &#x2013; The CareerSense update was a good example of our
purpose in action and NatWest Group&#x2019;s support of
young people and communities across the UK.
Investors   &#x2013; Investor feedback
reports
  &#x2013; Group CFO report
  &#x2013; Detailed investor feedback (both equity market
reaction and fixed income market reaction)
was&#x202F;shared each quarter following each
results&#x202F;presentation.
  &#x2013; Feedback on other investor presentations
by&#x202F;management.
  &#x2013; External market perspectives.
  &#x2013; Investor feedback reports provided the Board with
direct feedback from investors on NatWest Group&#x2019;s
strategy and financial performance.
  &#x2013; The Group CFO kept the Board updated on external
market perspectives which included share price
performance and trading activity, allowing the
Board&#x202F;to&#x202F;monitor investor activity.
Regulators   &#x2013; Regulatory
correspondence
  &#x2013; Group CEO and
Group CFO reports
and business
reviews
  &#x2013; Relevant regulatory correspondence that
regulators requested be shared with the
Board&#x202F;and, where applicable, proposed
management responses.
  &#x2013; Updates on regulatory engagement.
  &#x2013; Sharing the correspondence and proposed responses
allowed the Board to understand key matters being
raised by regulators and how management were
addressing those.
  &#x2013; Kept the Board informed on key topics being discussed
by management with regulators, enhancing the Board&#x2019;s
understanding of key regulatory priorities.
Suppliers   &#x2013; Business reviews   &#x2013; Regular updates on key supplier and
partnership relationships and initiatives
being&#x202F;undertaken with them.
  &#x2013; Provided the Board with visibility on key supplier
activity and how this is supporting our purpose,
strategy, financial performance and our ambitions
on&#x202F;climate and the environment.
Stakeholder engagement
In February 2021, the Board approved its annual objectives
and confirmed the Board&#x2019;s key stakeholder groups &#x2013;
customers, colleagues, communities, investors, regulators,
and&#x202F;suppliers. The Board&#x2019;s agenda and engagement plans
were structured to enhance the Board&#x2019;s understanding of
stakeholders&#x2019; views and interests. This in turn has informed
Board discussions and decision-making.
Workforce engagement
NatWest Group&#x2019;s Colleague Advisory Panel (CAP) was set up in
2018 to help promote colleague voices in the boardroom and
supports our compliance with Code requirements in relation
to&#x202F;Board engagement with the workforce.
Through the CAP, colleagues can engage directly with senior
management and the Board on topics which are important to
them, thereby strengthening the voice of colleagues in the
Boardroom. The CAP is made up of 28 colleagues who
represent employee-led networks, talent programmes,
employee representative bodies or are self-nominated.
In this way we ensure the panel is diverse, inclusive and
representative of the workforce.
The CAP met with representatives from the Board
three times in 2021 to discuss issues such as wellbeing,
remuneration (including executives and the wider workforce),
climate, retail banking strategy, sustainability and purpose.
The CAP continues to be highly regarded by those who
attend and has proven to be an effective way of establishing
two-way dialogue between colleagues and Board members.
In 2022 we are reviewing our approach to how the Board
engages with the workforce.
Set out below is an overview of further ways in which
stakeholder views have been communicated to the Board,
which often takes place indirectly via management updates.
NatWest Group plc &#x2013; Annual Report on Form 20-F 92
The Stakeholder engagement section of the Strategic report
on pages 14 to 17 of this document includes examples of
how the Board engaged directly with stakeholders, and our
section 172(1) statement on pages 52 to 53 of this document
 describes how stakeholder interests have been considered in
 board decision-making, including principal decisions.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g095.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The effectiveness of Board stakeholder engagement
mechanisms is considered during the annual Board evaluation.
Workforce policies and practices
As referred to above, the Board has delegated certain Code
provisions to Board Committees, with regular updates to the
Board on relevant issues.
In October 2021 the Group Sustainable Banking Committee
considered key workforce policies and practices as part of
its people and culture meeting, where a spotlight on living our
purpose included updates on reward, career development,
succession planning, recruitment, inclusion and learning
frameworks. At that time, it was acknowledged that a
refreshed set of values, aligned to our purpose, would be
presented to the Board in December 2021 for approval
and that workforce policies and practices would be updated
where required to ensure ongoing alignment to NatWest
Group&#x2019;s values.
The Group Audit Committee retains responsibility for reviewing
and monitoring NatWest Group&#x2019;s whistleblowing process.
Conflicts of interest
The Directors&#x2019; Conflicts of Interest policy sets out procedures
to ensure that the Board&#x2019;s management of conflicts of
interest&#x202F;and its powers for authorising certain conflicts
are&#x202F;operating effectively.
Each director is required to notify the Board of any actual or
potential situational or transactional conflict of interest and
to&#x202F;update the Board with any changes to the facts and
circumstances surrounding such conflicts.
Situational conflicts can be authorised by the Board in
accordance with the Companies Act 2006 and the company&#x2019;s
Articles of Association. The Board considers each request for
authorisation on a case-by-case basis and has the power to
impose conditions or limitations on any authorisation granted
as part of the process. Details of all directors&#x2019; conflicts of
interest are recorded in a register which is maintained by
the&#x202F;Chief Governance Officer and Company Secretary and
reviewed annually by the Board.
Division of responsibilities
The Board has 11 directors comprising the Chairman, two
executive directors and eight independent non-executive
directors, one of whom is the Senior Independent Director.
Non-executive director independence
The Board considers that the Chairman was independent on
appointment and that all current non-executive directors are
independent for the purposes of the Code.
Chairman and Group CEO
The role of Chairman is distinct and separate from that of
the Group CEO and there is a clear division of responsibilities,
with the Chairman leading the Board and the Group CEO
managing the business day to day.
Senior Independent Director
Throughout 2021, Mark Seligman, as Senior Independent
Director, acted as a sounding board for the Chairman, and
as an intermediary for other directors when necessary. He
was also available to shareholders to discuss any concerns
they may have had, as appropriate.
Non-executive directors
Along with the Chairman and executive directors, the
non-executive directors are responsible for ensuring the
Board fulfils its responsibilities under its terms of reference.
The non-executive directors combine broad business
and commercial experience with independent and objective
judgment. They provide constructive challenge, strategic
guidance, and specialist advice to the executive directors
and the executive management team and hold management
to account.
The balance between non-executive and executive directors
enables the Board to provide clear and effective leadership
across NatWest Group&#x2019;s business activities and ensures no
one individual or small group of individuals dominates the
Board&#x2019;s decision-making.
The Chairman and non-executive directors meet at least once
every year without the executive directors present.
Details of the key responsibilities of the Chairman, Group CEO,
Senior Independent Director and non-executive directors are
available at natwestgroup.com.
Chief Governance Officer and Company Secretary
The Chief Governance Officer and Company Secretary,
Jan Cargill, works closely with the Chairman to ensure
effective and efficient functioning of the Board and appropriate
alignment and information flows between the Board and
its Committees.
The Chief Governance Officer and Company Secretary
is responsible for advising the Board and individual directors
on all governance matters, and also facilitates Board induction
and directors&#x2019; professional development.
Executive management
The Group CEO is supported by Group ExCo, which considers
strategic, financial, capital, risk and operational issues affecting
NatWest Group and reviews relevant matters in advance of
Board submission. Group ExCo&#x2019;s membership comprises the
Group CEO, Group CFO and the Group Chief Risk Officer; who
are also members of the wider executive management team.
Biographies of the executive management team can be found
at natwestgroup.com.
NatWest Group plc &#x2013; Annual Report on Form 20-F 93
Further details on NatWest Group&#x2019;s approach to investing
in and rewarding its workforce can be found on pages 58 to 61
of the Strategic report in this document.
The performance of the Chairman and non-executive directors
is evaluated annually and further details of the process
undertaken can be found on page 97 of this document.
Director biographies and details of the Board Committees of
which they are members can be found on pages 82 to 85 of
this document.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g096.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Time commitment and external appointments
It is anticipated that non-executive directors will allocate
sufficient time to the company to discharge their responsibilities
effectively and will devote such time as is necessary to fulfil
their role.&#xA0;Directors have been briefed on the limits on the
number of other directorships that they can hold under the
requirements of the fourth Capital Requirements Directive.
Lena Wilson and Frank Dangeard both re-organised their
portfolios of appointments and took up new appointments in
2021. Ms Wilson was appointed as a non-executive director
and subsequently Chair of Picton Property Income Limited
and&#x202F;as a non-executive director and Chair of AGS Airports
Limited and Mr Dangeard was appointed Chairman of SPEAR
Investments I B.V. These appointments were approved by
the Board in advance and the Board considered both potential
conflicts and time commitment and was satisfied that each
would be able to continue to meet their commitments to
NatWest Group given the other changes to their
respective&#x202F;portfolios.
The Board continues to monitor the commitments of the
Chairman and directors and is satisfied that they are able to
allocate sufficient time to enable them to discharge their duties
and responsibilities effectively.
Information
All directors receive accurate, timely and clear information on
all relevant matters and have access to the advice and services
of the Chief Governance Officer and Company Secretary.
In addition, all directors are able, if necessary, to obtain
independent professional advice at the company&#x2019;s expense.
Our directors are mindful that it is not always possible to
achieve an outcome which meets the requirements, needs
and/or expectations of all stakeholders who are, or may be,
impacted. For decisions which are particularly challenging
or&#x202F;complex, we introduced an additional page to our paper
template in 2021 which provides directors with further
information to support purposeful decision-making. This
additional page uses Blueprint for Better Business as a
base&#x202F;and is aligned to our broader purpose framework.
Induction and professional development
Each new director receives a formal induction on joining the
Board, which is coordinated by the Chief Governance Officer
and Company Secretary and tailored to suit the requirements
of the individual concerned. This includes visits to NatWest
Group&#x2019;s major businesses and functions and meetings with
directors and senior management. Meetings with external
auditors, counsel and stakeholders are also arranged
as&#x202F;appropriate.
All new directors receive a copy of the NatWest Group
Director Handbook. The Handbook operates as a consolidated
governance support manual for directors of NatWest Group plc
and the NWH Sub Group, providing both new and current
directors with a single source of information relevant to their
role. It covers a range of topics including NatWest Group&#x2019;s
corporate structure; the Board and Board Committee
operating model; Board policies and processes; and a range
of technical guidance on relevant matters including directors&#x2019;
duties, conflicts of interest, and the UK Senior Managers
and Certification Regime. The Handbook forms part of
a wider library of reference materials available via our
resources portal.
Composition, succession and evaluation
Composition
The Board is structured to ensure that the directors provide
NatWest Group plc with the appropriate combination of skills,
experience, knowledge and diversity, as well as independence.
Given the nature of NatWest Group&#x2019;s businesses, experience
of&#x202F;banking and financial services is clearly of benefit, and the
Board has a number of directors with substantial experience
in&#x202F;those areas. Our directors also possess substantial skills and
experience in the areas of Transformation, Financial Markets/
Investment Banking, and Environmental, Social and
Governance (including climate).
In December 2021 the Group Nominations and Governance
Committee reviewed, and the Board approved, a refreshed
version of our Board skills matrix, a summary view of which
is&#x202F;set out below.
The Board skills matrix reflects directors&#x2019; self-assessment of
the skills and experience they bring to Board discussions, in
line with pre-determined criteria aligned to current and future
strategic priorities, and will continue to be considered by the
Group Nominations and Governance Committee, and the
Board, at least once a year.
Corporate governance continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 94
The Code emphasises the importance of ensuring directors have
 sufficient time to meet their board responsibilities. Prior to
appointment, significant commitments require to be disclosed
with an indication of the time involved. External appointments
require prior Board approval, with the reasons for permitting
significant appointments explained in the Annual Report
on Form 20-F.
Directors have access to a wide range of briefing and training
sessions and other professional development opportunities.
Internal training relevant to the business of NatWest Group is
also provided. Directors undertake the training they consider
necessary to assist them in carrying out their duties and
responsibilities. The non-executive directors discuss their
training and professional development with the Chairman
at least annually. Details of the training and development
undertaken by directors during 2021, which is co-ordinated by
the Chief Governance Officer and Company Secretary, can be
found on pages 88 to 89 of this document (Board annual
calendar for 2021).
Our Board and Committee paper template includes a
section for authors to explain how the proposal or update
aligns with our purpose and a separate section for them to
include an assessment of the relevant stakeholder impacts
for the directors to consider. This aligns with the directors&#x2019;
duties under section 172(1) of the Companies Act 2006 and
further details on how the directors have complied with their
section 172(1) duties can be found on pages 52 to 53 of
the Strategic report in this doucment.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g097.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Board skills and experience
0 2 4 6 8 10
Risk management
Broad Financial Services
Transformation
Financial Markets / Investment Banking
Environmental, Social and Governance (incl climate)
CEO / Senior Executive Management
Customer experience
Government / regulatory / public sector
Retail / Commercial / Private Banking
Digital and Innovation
CFO / Accountant
Technology (infrastructure, cyber)
11
Skills and experience
Number of directors
Board Committees also comprise directors with a variety of
skills and experience so that no undue reliance is placed on
any one individual.
Succession
As set out in its terms of reference the Board is responsible
for ensuring adequate succession planning for the Board and
senior management, so as to maintain an appropriate balance
of skills and experience within NatWest Group and on the Board.
In 2021 the Board received two updates on talent and
executive succession planning which enabled them to
monitor&#x202F;the internal talent pipeline and provide feedback.
These updates included a detailed analysis of the diversity
of&#x202F;the talent pool, with a view towards continuing to improve
diversity over the longer term.
The Board also held a talent session with potential Executive
Committee successors, and members of the Group Sustainable
Banking Committee held an informal session with executive
talent. These sessions helped our non-executive directors to
get to know potential future leaders, through focused debates
on strategic topics.
The Group Nominations and Governance Committee supports
the Board on Board succession planning, including making
recommendations to the Board on Board appointments and
Board Committee membership.
In February 2021 (following review and recommendation
by&#x202F;the Group Nominations and Governance Committee),
the&#x202F;Board approved succession plans for the roles of Senior
Independent Director and Committee Chairs, covering
orderly&#x202F;transition plans for the short and medium term, and
contingency arrangements which could be implemented in
case of an emergency. These succession plans are reviewed
by the Group Nominations and Governance Committee and
approved by the Board at least once a year.
Election and re-election of directors
In accordance with the provisions of the Code, all directors
stand for election or re-election by shareholders at the
company&#x2019;s AGM.
In accordance with the UK Listing Rules, the election or
re-election of independent directors also requires approval
by&#x202F;a majority of independent shareholders.
Evaluation
In accordance with the Code, an evaluation of the
performance of the Board, its Committees, the Chairman
and&#x202F;individual directors takes place annually. The evaluation
is&#x202F;externally facilitated every three years, with internal
evaluations in the intervening years.
An external evaluation was conducted in 2018 by Independent
Board Evaluation (IBE), with internal evaluations taking place in
2019 and 2020. IBE returned in 2021 to facilitate their second
external Board and Committee evaluation for NatWest Group.
Further details on how IBE was selected in 2021, how the 2021
evaluation was conducted and the outcomes and actions
arising from that process are set out in this section.
Progress following the 2020 internal Board evaluation
A number of actions were progressed during 2021 in response to the findings of the 2020 internal Board evaluation.
2020 actions 2021 progress
Agree a shorter and more focused set of
Board objectives for 2021.
  &#x2013; A more concise set of Board objectives was agreed for 2021, supporting effective
management of Board priorities and agenda planning.
Explore different options for directors to
engage with customers.
  &#x2013; Through a customer engagement programme a number of non-executive directors
observed customer facing colleagues in action and heard customer feedback as
part of a focus group or customer listening surgery.
Review potential enhancements to Board
Management Information on customers
and&#x202F;suppliers
  &#x2013; Board reporting was enhanced to include customer measures aligned to purpose
and transformation targets, and enhanced tracking of progress against customer
advocacy and satisfaction targets.
  &#x2013; There was also a review and alignment of customer measures used across the
businesses, to ensure greater consistency of reporting.
  &#x2013; Our business review template was updated to provide for more detailed reporting
on supplier relationships.
Enhance Board visibility of Executive
Committee successors.
  &#x2013; Board visibility of the executive talent pipeline was enhanced through Board and
Group Sustainable Banking Committee talent sessions.
  &#x2013; Senior executives below Executive Committee level continued to present papers
at&#x202F;Board meetings, further contributing to their profile in the Boardroom.
Details of progress made against the actions arising from the 2020 internal Committee evaluations can be found in the relevant
Committee Chairman Reports.
NatWest Group plc &#x2013; Annual Report on Form 20-F 95
Further information on the role of the Group Nominations and
Governance Committee and its activities during 2021 can be
found in the Committee Chairman&#x2019;s report on page 98 of this
document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g098.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Corporate governance continued
2021 Board evaluation &#x2013; outcomes and actions
The IBE report identified positive changes in Boardroom culture
and dynamics since the last external review in 2018. Board
relationships with management were more transparent, and
there was a better balance between support and challenge
from the Board. Care would be required to ensure this balance
was maintained. Whilst working remotely remained challenging
and directors missed the opportunity for informal interaction,
they were pleased at how quickly and effectively they had
been able to adapt.
After a period of stability in terms of Board composition, the
IBE report highlighted the importance of prioritising Board
succession planning in future. IBE highlighted scope to enhance
the Board&#x2019;s technology experience, and the importance of
ensuring appropriate focus on diversity (with respect to age,
gender, experience and ethnicity). These are matters which
the Board and Group Nominations and Governance Committee
will keep under review during 2022.
IBE also observed that NatWest Group&#x2019;s ring-fencing
governance arrangements, which had just been introduced
at&#x202F;the time of the 2018 evaluation, were now considered
to&#x202F;be&#x202F;operating effectively with no significant issues or
concerns&#x202F;raised.
2021 External Board Committee evaluation
IBE were engaged to facilitate the external evaluation in 2021. IBE had previously conducted the 2018 evaluation and at that time,
NatWest Group&#x2019;s corporate governance arrangements were undergoing significant change in preparation for the implementation
of&#x202F;ring-fencing.
Following a recommendation from the Group Nominations and Governance Committee, the Board agreed that the 2021 evaluation
should be conducted externally in accordance with the Code and that IBE should be appointed again to provide important
continuity. The Board concluded that IBE&#x2019;s appointment would also provide a helpful opportunity to review how ring-fencing
governance arrangements had embedded since the 2018 exercise.
IBE has no other connection with NatWest Group. The sections of this report which describe the process followed or which attribute
opinions to the external facilitator have been agreed with IBE prior to publication.
How the evaluation was conducted
Objectives and
scope
  &#x2013; The Chairman, Group CEO and Chief Governance Officer and Company Secretary briefed IBE on the
objectives of the 2021 Board and Committee evaluation.
  &#x2013; The NatWest Group plc and NWH Sub Group Boards and Board Committees were confirmed to be in scope
for a comprehensive performance review. Focus areas included Board culture, Board composition and
succession planning (including skills, diversity and experience), strategy (oversight and implementation),
Board focus and priorities, induction, risk management, stakeholder engagement, and quality of meetings
and papers.
Information
gathering
  &#x2013; IBE held interviews with all of the directors, members of senior management, external advisers and auditors.
  &#x2013; The lead evaluator observed the main Board and Committee meetings in October 2021.
  &#x2013; The Chief Governance Officer and Company Secretary provided copies of Board and Committee papers and
other supporting materials to IBE.
Report preparation   &#x2013; IBE prepared draft reports for the Board and Board Committees.
  &#x2013; IBE&#x2019;s recommendations were based on best practice as described in the Code and other relevant guidelines.
  &#x2013; Draft conclusions were discussed with the Chairman and Committee Chairmen in advance of
report&#x202F;circulation.
Review and action
planning
  &#x2013; Board and Committee reports were presented and discussed at the December 2021 Board and
Committee&#x202F;meetings.
  &#x2013; In February 2022, the Board agreed an action plan in response to the recommendations set out in
IBE&#x2019;s&#x202F;report.
NatWest Group plc &#x2013; Annual Report on Form 20-F 96 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g099.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">In February 2022 the Board agreed a detailed action plan in response to the recommendations set out in IBE&#x2019;s 2021 external Board
evaluation report, which included the following:-
Theme 2022 actions
Strategy Introduce a new operating rhythm for Board engagement and oversight with more frequent sessions
during the year focused on key strategic topics.
Board focus and priorities Agree a new set of Board objectives for 2022. Identify opportunities to streamline the Board agenda
and other Board activities to facilitate effective management of Board priorities.
Engagement with the
business and stakeholders
Identify further opportunities for non-executive directors to engage with the business and key
stakeholders either through participation in existing business initiatives or Board specific activity.
Colleague engagement Review the Board&#x2019;s overall approach to colleague engagement, including the role of the Colleague
Advisory Panel, to ensure it remains fit for purpose.
Implementation of the 2021 Board evaluation action plan will be overseen by the Group Nominations and Governance Committee
during 2022.
2021 Board Committee evaluations &#x2013; outcomes
and&#x202F;actions
Details of the outcomes of the 2021 external Board Committee
evaluations can be found in the relevant Committee Chairman
reports. Progress against these actions will be tracked at
Committee level during 2022.
2021 Individual director and Chairman
effectiveness&#x202F;reviews
The Chairman met each director individually to discuss their
own performance and continuing professional development
and establish whether each director continues to contribute
effectively to the company&#x2019;s long-term sustainable success.
The Chairman also shared peer feedback provided to IBE
as&#x202F;part of the evaluation process.
Separately, the Senior Independent Director, together with
the&#x202F;Senior Independent Director of the ring-fenced bank,
sought feedback on the Chairman&#x2019;s performance from the
non-executive directors, executive directors and other key
internal and external stakeholders and discussed it with the
Chairman. This included peer feedback provided to IBE by
directors as part of the evaluation process.
Audit, risk &amp; internal control
  &#x2013; the Group Audit Committee Chairman&#x2019;s letter and the
internal control framework in place; and
  &#x2013; the Group Board Risk Committee Chairman&#x2019;s letter and
Remuneration
NatWest Group plc &#x2013; Annual Report on Form 20-F 97
Information on how the company has applied the Principles
and complied with the Provisions set out in this section of
the Code can be found throughout the Annual Report on
Form 20-F. The following sections are of particular
relevance:
report of the Committee (page 100 of this document) which
sets out the process undertaken to evaluate the
effectiveness of both the Internal Audit function and the
external auditors in 2021, and the principal findings thereof.
It also explains the approach taken to ensuring the integrity
of financial and narrative statements, and confirms that it
supports the Board in the assessment of NatWest Group&#x2019;s
disclosures to be fair, balanced and understandable;
 &#x2013; the Compliance report (page 165 of this document),
    which explains the
report of the Committee (page 108 of this document)
which explains how the Board oversees the principal and
emerging risks facing NatWest Group and how
management addresses these.
The Directors&#x2019; remuneration report on page 120 of this
document provides information on the activities of the Group
Performance and Remuneration Committee, the decisions
taken on remuneration during the year and why the
Committee believes these are the right outcomes in the
circumstances. The report also details how the remuneration
policy for executive directors supports the delivery of the
company&#x2019;s strategic goals and purpose, with significant
delivery in shares to provide long-term alignment with
shareholders. Information is also included on wider workforce
remuneration and the steps taken to engage with the
workforce around remuneration and ensure fair pay
and a healthy culture.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g100.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Report of the Group Nominations
and Governance Committee
Corporate governance continued
Dear Shareholder,
As Chairman of the Board and Chairman of the Group
Nominations and Governance Committee I am pleased to
present our report on the Committee&#x2019;s activity during 2021.
Role and responsibilities
The Committee is responsible for reviewing the structure,
size&#x202F;and composition of the Board, and membership and
chairmanship of Board Committees and recommends
appointments to the Board. In addition, the Committee
monitors NatWest Group&#x2019;s governance arrangements to
ensure that best corporate governance standards and
practices are upheld and considers developments relating
to&#x202F;banking reform and analogous issues affecting NatWest
Group. The Committee makes recommendations to the Board
in respect of any consequential amendments to NatWest
Group&#x2019;s operating model.
The terms of reference of the Committee are reviewed
annually, approved by the Board and are available at
natwestgroup.com.
Principal activity during 2021
In addition to reviewing the structure, size and composition
of&#x202F;the NatWest Group plc Board, the Committee has also
continued to oversee work aimed at further enhancing
NatWest Group&#x2019;s subsidiary governance framework. A number
of our material regulated subsidiaries made appointments to
their boards during 2021, which the Committee has overseen.
Spencer Stuart and Green Park have both been engaged
during the year to support NatWest Group&#x2019;s subsidiary board
search activity. The firms are members of the retained
executive search panel of suppliers (managed by NatWest
Executive Search). Spencer Stuart also provide leadership
advisory and senior executive search and assessment services
to the Human Resources function within NatWest Group.
In addition to succession planning, the Committee has
overseen the process to reach agreement with the PRA in
respect of the renewal of regulatory modifications which
ensure the continuation of a governance model that is
compatible with ring-fencing legislation.
During the year the Committee continued to monitor
NatWest&#x202F;Group&#x2019;s governance arrangements to ensure that
they remain appropriate by reference to best practices in
corporate governance (having regard to relevant legislation,
guidelines, industry practice and developments affecting
NatWest Group in the markets where it operates).
During 2021 the Committee considered a number of external
policy developments and the potential impacts on NatWest
Group&#x2019;s corporate governance framework, including HM
Treasury&#x2019;s independent review of ring-fencing and proprietary
trading, as well as discussion and consultation papers issued
by the FCA, PRA and Bank of England on proposals to
enhance diversity and inclusion in the financial sector.
Membership and meetings
Throughout 2021 the Committee comprised the Chairman
of&#x202F;the Board and four independent non-executive directors.
Graham Beale also observes meetings of the Committee in
his&#x202F;capacity as Senior Independent Director of NWH Ltd
and&#x202F;member of the NWH Ltd Nominations Committee.
Letter from Howard Davies
Chairman of the Group Nominations
and Governance Committee
There were no changes to the composition of the Board during
2021. The Committee nevertheless acknowledges the tenure
of a number of current Board directors and therefore made
succession planning a priority in 2021. The Committee
reviewed the contribution of a number of Board members
under the Board Appointment Policy which sees non-executive
directors appointed for an initial three year term, subject to
annual re-election at the AGM. Following assessment by the
Committee, they may then be appointed for a further three
year term. Non-executive directors may continue to serve
beyond six years, subject to a maximum tenure of nine years.
The tenures of current Board directors is set out on page 79 of
this document.
The Committee holds a minimum of four meetings per year
and meets on an ad hoc basis as required. In 2021, there
were four meetings. Individual attendance by directors at
these meetings is shown in the table on page 87 of this
document.
NatWest Group plc &#x2013; Annual Report on Form 20-F 98 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g101.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Performance evaluation
Boardroom Inclusion Policy
Objectives and targets
The Boardroom Inclusion Policy&#x2019;s objectives ensure that the
Board, and any Committee to which it delegates nomination
responsibilities, follows an inclusive process when making
nomination decisions. That includes ensuring that the
nomination process is based on the principles of fairness,
respect and inclusion, that all nominations and appointments
are made on the basis of individual competence, skills and
expertise measured against identified objective criteria and
that searches for Board candidates are conducted with due
regard to the benefits of diversity and inclusion.
Monitoring and reporting
Throughout 2021 the Board met the recommendation of the
Parker Review with at least one member of the Board being
of&#x202F;Black, Asian or Minority Ethnic background and it intends
to&#x202F;continue to meet that recommendation.
At the end of 2021 the Board exceeded the recommendation
of the FTSE Women Leaders Review ((formerly the Hampton-
Alexander Report) 33% female representation on the boards),
with 36% of the Board being female.
The boards of NatWest Group plc and the NWH Group meet
consecutively and share a largely common membership.
When considered together, the director population across both
boards currently meets the Parker target and exceeds the
FTSE Woman Leaders target with a female representation
of&#x202F;36%.
Howard Davies
Chairman of the Group Nominations and
Governance&#x202F;Committee
17 February 2022
NatWest Group plc &#x2013; Annual Report on Form 20-F 99
Diversity and inclusion progress, including information about
the appointment process, will continue to be reported in the
Group Nominations and Governance Committee&#x2019;s report in
the NatWest Group plc Annual Report on Form 20-F.
The outcomes of the evaluation have been reported to the
Board and the Committee will track progress during the year.
The 2021 review of the effectiveness of the Board and its
senior Committees was facilitated by Independent Board
Evaluation, a specialist board evaluation consultancy. The
Committee has considered and discussed the outcomes of
the evaluation and accepts the findings, more information
on which can be found on page 96 of this document. Overall,
the review concluded that the Committee&#x2019;s responsibilities had
 been discharged effectively with no material
recommendations being identified for action. The Committee
will continue to ensure that the full Board is appropriately
sighted on the work of the Committee, including the Board
succession activity that will be a key priority for the
Committee during 2022.
The Board operates a Boardroom Inclusion Policy which
reflects the most recent industry targets and is aligned to the
NatWest Group Inclusion Policy and Principles applying to the
wider bank. The policy currently applies to the most senior
NatWest Group boards: NatWest Group plc, NWH Ltd, NWB Plc
 and RBS plc. A copy of the Boardroom Inclusion Policy is
available at natwestgroup.com/who-we-are.
The balance of skills, experience, independence, knowledge
and diversity on the Board, and how the Board operates
together as a unit, is reviewed annually as part of the Board
evaluation. Where appropriate, findings from the evaluation
will be considered in the search, nomination and appointment
process. Further details on NatWest Group&#x2019;s approach to
diversity can be found on page 59 of this document.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g102.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Report of the Group
Audit Committee
Corporate governance continued
Membership
Dear Shareholder,
In 2021 the Group Audit Committee (GAC) has continued to
operate effectively, supporting NatWest Group to help people,
families and businesses to thrive. This report sets out the key
areas of focus for the GAC during the year and explains how
the Committee discharged its key responsibilities.
A core function of the Committee is to oversee and challenge
the processes undertaken by management in the preparation
of the published financial and relevant non-financial information.
The Committee also assists the NatWest Group Board in
carrying out its responsibilities relating to accounting policies
and internal control functions. More detail on the remit of the
Committee can be found in its terms of reference which are
reviewed annually and available at natwestgroup.com.
Scrutinising the integrity and quality of the financial results
released by NatWest Group over the course of the year
continued to be a priority for the Committee. As part of its
review of disclosures such as the quarterly, interim and full
year results, the Committee also considered detailed reports
from management on the judgments applied during the
preparation of the information and legal and regulatory
developments. Consideration was also given to management&#x2019;s
assessment of the internal controls over financial reporting and
the GAC also received reports from both the internal auditors
on the internal control environment and the external auditors
on internal controls over financial reporting and key
accounting and judgmental matters.
The Committee reviewed the annual, interim and quarterly
supplements on climate, purpose and ESG matters, as well
as&#x202F;the annual Climate-related Disclosures Report. Particular
scrutiny was given to the controls and basis of preparation for
these releases. The Committee recognises such disclosures will
continue to evolve over time. The impact of climate-related
issues on financial statements more broadly was also
considered by the Committee during the year.
As the economic impacts of the COVID-19 pandemic and
measures taken by the Government in response persisted
throughout 2021, the Committee dedicated much time to
the&#x202F;consideration of accounting judgments. In particular the
Committee considered how the judgments were applied to
determining post-model adjustments, as well as the actual and
forecast impact on credit losses. The performance of internal
models used by management for these purposes continued
to&#x202F;improve following enhancements implemented in 2020.
Benchmarking data provided by the PRA and the external
auditor has again offered helpful context to the Committee
given the continued uncertain conditions.
The Committee oversight of the performance of the
Internal&#x202F;Audit function and ensuring its independence is a key
responsibility of the Committee. In February 2021 a new Chief
Audit Executive joined NatWest Group and I have supported
him in delivering enhancements to the operation and focus of
the Internal Audit function.
I have continued to be NatWest Group&#x2019;s whistleblowing
champion, and the Committee maintains responsibility for
oversight of the independence, autonomy and effectiveness
of&#x202F;NatWest group&#x2019;s whistleblowing policies and procedures.
In&#x202F;2021 NatWest Group has continued to offer an effective
whistleblowing service to colleagues.
I welcomed the opportunity to respond to the consultation
launched by the Department for Business, Energy and
Industrial Strategy (BEIS) into audit and corporate governance.
Stakeholders were invited to share their views on a range of
proposals relating to the UK&#x2019;s corporate governance framework
for major companies and the way they are audited. I shared
my views as Chairman of the GAC on the most pertinent
proposals, which were submitted alongside a detailed NatWest
Group-wide response. I would like to extend my thanks to
my&#x202F;fellow Committee members and attendees for their
contributions to the work of the GAC during 2021.
Patrick Flynn
Chairman of the Group Audit Committee
17 February 2022
Letter from Patrick Flynn
Chairman of the Group Audit
Committee
NatWest Group plc &#x2013; Annual Report on Form 20-F 100
Members of the GAC are selected with a view to the expertise
and experience of the Committee as a whole and with proper
regard to the key issues and challenges facing NatWest Group.
As NatWest Group plc is a listed company on the London and
New York stock exchanges it has certain obligations as to the
expertise and qualifications of the Audit Committee. The Board
is satisfied that all GAC members have recent and relevant
financial experience and are independent as defined in the
SEC rules under the US Securities Exchange Act of 1934 as
amended (the &#x2018;Exchange Act&#x2019;) and related guidance. The
Board has further determined that Patrick Flynn, Mark
Seligman and Robert Gillespie are all &#x2018;financial experts&#x2019; for the
purposes of compliance with the Exchange Act Rules and the
requirements of the New York Stock Exchange, and that they
have competence in accounting and/or auditing as required
under the Disclosure Guidance and Transparency Rules.
Full biographical details of the members of the Committee
during 2021 are set out on pages 82 to 85 of this document.
The members are all independent non-executive directors who
 also sit on other Board committees in addition to the GAC (as
set out in their biographies). This common membership helps
facilitate effective governance across all finance, risk and
remuneration matters and ensures that agendas are aligned
and duplication of responsibilities is avoided.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g103.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Meetings and visits
Five scheduled meetings of the Committee were held in 2021,
four of which took place immediately prior to the release of
the&#x202F;financial results each quarter. During the year all members
attended the meetings, all of which were held virtually. All
meetings were also attended, in an observational capacity,
by&#x202F;the two non-executive directors of NatWest Holdings
who&#x202F;are members of that entity&#x2019;s Audit Committee.
In conjunction with the Group and NWH Board Risk Committee
(BRC) and the NWH Audit Committee, the GAC undertook its
annual programme of visits to control functions. Constructive
and insightful discussions were held with members of
management from the Risk, Internal Audit and Finance teams.
Performance evaluations
In 2021 the annual review of the effectiveness of the Board
and&#x202F;its senior Committees, including the GAC, was conducted
externally by Independent Board Evaluation. It was determined
that the GAC had continued to operate effectively during 2021,
Financial and non-financial reporting
The GAC considered a number of accounting judgments and reporting issues in the preparation of NatWest Group&#x2019;s financial
results throughout 2021. The Committee reviewed the quarterly, interim and full year results announcements, the annual reporting
suite of documents and other principal financial and non-financial releases for recommendation to the NatWest Group plc Board for
approval. This included the disclosures required by the TCFD and the quarterly Climate, Purpose and ESG measures supplements.
Consideration was given to the controls surrounding the preparation of these releases.
Matter Role of Committee and
context of discussion How the Committee addressed the matter
Expected
credit&#x202F;losses
To review and challenge
management&#x2019;s judgements
in relation to credit
impairments and the
underlying assumptions,
methodologies and models
applied, and any post-model
adjustments required. To
also consider the impact of
macro-economic risks on
the&#x202F;credit environment.
The GAC focused on the key assumptions, methodologies and post-model
adjustments applied to provisions under IFRS 9. The continued economic
uncertainty during 2021 and the dislocation between the economics and
the credit impacts observed, led management to adopt a measured
approach to the release of IFRS 9 provisions in the year. In evaluating
management&#x2019;s proposal to release &#xA3;1.3 billion, the Committee considered
the previously implemented enhancements to the internal models and
the&#x202F;improvements in the economic environment during 2021. Industry
benchmarking data, particularly in the first half of the year, was also
helpful to the Committee and informed its considerations. The Committee
recognises that post-model adjustments should be limited to considerations
beyond model capability and so sought from management confirmation
of&#x202F;the criteria which would need to be satisfied to enable their release.
The&#x202F;Committee will continue to scrutinise the application of post-model
adjustments in 2022.
Treatment
of&#x202F;goodwill
To consider the treatment
of&#x202F;goodwill throughout
the&#x202F;year and ensure
the&#x202F;carrying value was
appropriate and suitable
disclosures were made.
Management did not identify any reason to undertake an out of
cycle&#x202F;reassessment of goodwill during 2021. Following discussion and
challenge, the Committee was satisfied that goodwill remained recoverable
throughout the year, and that appropriate disclosures were included in the
quarterly and interim financial releases. The Committee considered and
supported management&#x2019;s proposed write down of &#xA3;85 million of goodwill in
RBS (and at higher levels) on the basis of materiality at the end of the year.
Valuation
methodologies
The GAC considered valuation methodologies and assumptions for
financial instruments carried at fair value and scrutinised judgments made
by management.
meeting its statutory duties. The outcomes of the evaluation
were considered by the Committee and subsequently reported
to the Board. The Committee will support management&#x2019;s
consideration of the recommendation to review the leadership
structure of the Finance function, and this was discussed with
the Group CFO in the context of talent development and
longer term planning for the function. The Committee also
welcomed the recommendation to improve the diversity of
the&#x202F;Committee membership, and this will be reviewed by the
Nominations and Governance Committee as part of its ongoing
business. The depth of financial expertise of the Committee
was also recognised via the evaluation. The Committee is
satisfied it fulfilled its terms of reference in 2021.
The Committee continued to monitor the performance of the
external auditor and the Internal Audit function in 2021. Formal
assessments were undertaken at the end of the year via an
internal process and the Committee reviewed summaries of
the feedback provided by relevant stakeholders. Progress
made to address the recommendations of the previous
year&#x2019;s&#x202F;evaluations was welcomed.
To consider valuation
methodologies, assumptions
and judgments made
by management.
NatWest Group plc &#x2013; Annual Report on Form 20-F 101 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g104.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Report of the Group Audit Committee continued
Matter Role of Committee and
context of discussion How the Committee addressed the matter
Provisions and
disclosures
To consider the level of
provisions for regulatory,
litigation and conduct issues
throughout the year.
The Committee reviewed the levels of provisions during the year for
regulatory, litigation and conduct matters, and was satisfied these were
appropriate. The timing of certain litigation provisions was discussed with
management and the external auditor, and the Committee concluded
that&#x202F;it was only appropriate to record a provision once there was reliable
estimate as to the quantum. The Committee welcomed the conclusion of
a&#x202F;number of historic conduct and litigation matters during the year.
Viability statement
and the going
concern basis
of&#x202F;accounting
To review NatWest
Group&#x2019;s&#x202F;going concern
and&#x202F;viability statements.
The GAC considered evidence of NatWest Group&#x2019;s capital, liquidity and
funding position and considered the process to support the assessment
of&#x202F;principal risks. The GAC reviewed the company&#x2019;s prospects in light of
its&#x202F;current position, the identified principal and emerging risks (including
climate risk) and the ongoing economic uncertainty resulting from the
pandemic. FRC guidance and reviews of peer disclosures were considered
as part of the preparation of the viability statement for NatWest Group.
The Committee recommended both the going concern assessment and
viability statement to the Board. (Refer to the Report of the directors for
further information.)
Fair, balanced and
understandable
Non-financial
reporting
To review the principal
non-financial disclosures
made by NatWest Group
and to ensure appropriate
controls are in place to
support the preparation
of&#x202F;the information. These
disclosures include the
annual Climate-related
Disclosures Report and the
Climate, Purpose and ESG
measures supplement
published each quarter.
As NatWest Group&#x2019;s non-financial reporting has continued to evolve
in&#x202F;2021, the Committee has remained focused on ensuring robust
and&#x202F;appropriate controls supported the preparation of the disclosures,
which aligned with the existing measures in place in relation to financial
disclosures. The Committee discussed the merits of publishing this
information separately or as part of the interim and full-year results
announcements, and concluded that releasing separate documents
would&#x202F;be most useful for external stakeholders accessing the information.
Industry best-practice and the output of peer reviews were considered
to&#x202F;ensure NatWest Group is disclosing an appropriate and useful level
of&#x202F;information, and this will continue to be reviewed going forward. The
Committee considered the outcome of the reviews of the documents
by&#x202F;management via the Executive Disclosure Committee and its sub-
committee which focuses specifically on ESG disclosures. The Committee
welcomed the extension of the risk and control assessments and the
addition assurance work being undertaken by the external auditor.
The&#x202F;Committee was satisfied that appropriate steps had been taken
by&#x202F;management to limit the legal liability arising from the disclosure of
such&#x202F;non-financial information. It received advice from NatWest Group
Reputational Risk Committee as to the risk of reputational impacts in the
event of a misstatement or future change in methodology which could
give&#x202F;rise to suggestions of &#x2018;greenwashing&#x2019;.
NatWest Group plc &#x2013; Annual Report on Form 20-F 102
To oversee the review
process which supports
the Committee and Board
in concluding that the
disclosures in the Annual
Report on Form 20-F and
other elements of the
year-end reporting suite
of documents, taken as a
whole, are fair, balanced
and understandable and
provide the information
necessary for shareholders
to assess the company&#x2019;s
position and performance,
business model and strategy.
The Committee oversaw the review process for the year-end disclosures
which included: central coordination and oversight of the Annual Report
on Form 20-F and other disclosures led by the Finance function; review
of the documents by the Executive Disclosure Committee prior to
consideration by the GAC; and a management certification process of the
year-end reporting suite. The Committee considered whether the annual,
interim and quarterly disclosures met the UK Corporate Governance Code
requirements to be &#x2018;fair, balanced and understandable&#x2019;. It concluded each
time that the releases satisfied the necessary criteria. The external auditor
also considered the fair, balanced and understandable statement as part
of the year-end processes and supported NatWest Group&#x2019;s position.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g105.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Systems of internal control
Systems of internal control relating to financial management, reporting and accounting issues is a key area of focus for the
Committee. In 2021 it received reports throughout the year on the topic and evaluated the effectiveness of NatWest Group&#x2019;s
internal control systems, including any significant failings or weaknesses.
Matter Role of Committee and
context of discussion How the Committee addressed the matter
Sarbanes-Oxley Act
of 2002
To consider NatWest
Group&#x2019;s compliance with the
requirements of section 404
of the Sarbanes-Oxley Act
of&#x202F;2002.
The Committee received interim updates on the status of the bank&#x2019;s
internal controls over financial reporting throughout 2021 enabling it to
monitor progress and support management&#x2019;s conclusion at the year-end
that there were no Material Weaknesses for NatWest Group. Two
Significant Deficiencies were addressed by management during the year.
The Committee monitored progress and supported management&#x2019;s
approach which allowed the matters to be downgraded prior to the
end&#x202F;of&#x202F;the year.
The Committee also reviewed the process undertaken to support the
Group CEO and Group CFO in providing the certifications required
under&#x202F;sections 302, 404 and 906 of the Sarbanes-Oxley Act of 2002.
Regulatory and
financial returns
To review the controls and
procedures established by
management of NatWest
Group for compliance with
regulatory and financial
reporting requirements.
In December 2019 the PRA announced an industry-wide review of
regulatory returns via means of a skilled persons report. In 2020, the
Committee approved the appointment of EY as the skilled person to
undertake the review for NatWest Group, given the external auditor&#x2019;s
extensive knowledge of our internal systems and processes. The
Committee received regular updates on the review and while the skilled
person raised a number of findings, there were none which indicated
material errors with the regulatory returns. The Committee encouraged
management to work collaboratively across the bank to ensure the
necessary regulatory deadlines were met while ensuring business as
usual&#x202F;work continued to be delivered. Three industry-wide themes were
identified by the skilled person reviews: governance and ownership;
controls; and data and investment. The Committee reviewed the formal
remediation plans submitted to the PRA in response to the industry-wide
findings and those specific to NatWest Group. It received assurances from
management that appropriate resource was available to execute the plans
and that the timescales were manageable. On this basis it approved the
plans. The ongoing work to further strengthen the controls surrounding
the&#x202F;preparation of regulatory returns has also been closely monitored and
supported by the Committee throughout 2021; this will continue in 2022.
Control
Environment
Certification
To consider the control
environment ratings of the
businesses, functions and
material subsidiaries and
management&#x2019;s actions to
ensure that the control
environment is maintained
or strengthened.
Management provided bi-annual reports on the Control Environment
Certification, which were supplemented by the views of the second and
third lines of defence. Changes in ratings during the year by certain
businesses and functions were noted and supported by the Committee.
Return to appetite plans have been developed by management for
all&#x202F;major areas which was welcomed by the Committee. The most
significant plans are regularly reviewed and challenged by the
relevant&#x202F;Board Committee.
NatWest Group plc &#x2013; Annual Report on Form 20-F 103 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g106.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Role of Committee and
context of discussion How the Committee addressed the matter
Notifiable
event&#x202F;process
To monitor control breaches
captured by the internal
notifiable event process.
The Committee received bi-annual updates on the volumes and nature of
the most significant control breaches escalated via the internal notifiable
event process and any common themes. Process-related issues accounted
for the majority of the most significant events in 2021, and the Committee
noted the high level of manual elements to processes across the bank.
It&#x202F;requested management report on how greater automation could be
implemented to NatWest Group&#x2019;s key processes and systems. The work
launched by the Chief Transformation Officer in this respect in relation to
Customer Journeys was welcomed and will be monitored going forward.
Where process issues had not been the cause of control breaches the
Committee encouraged management to ensure the root causes of these
issues are remediated. The outcome of an internal review of the process to
ensure it was operating as expected was also presented to the Committee.
All Board directors were alerted to the most significant breaches
throughout the year.
Whistleblowing To monitor the effectiveness
of the bank&#x2019;s whistleblowing
policies and procedures.
The&#x202F;Committee chairman
is&#x202F;also the whistleblowers&#x2019;
champion for
NatWest&#x202F;Group.
The GAC monitored the effectiveness of the bank&#x2019;s whistleblowing process
and received updates on the volume of whistleblowing reports and any
common themes. The results of the annual Our View survey indicated that
colleagues&#x2019; awareness of how to raise concerns was high and that the
majority of respondents reported they felt safe to do so and that concerns
raised would be handled appropriately. The Committee considered the
output of Internal Audit&#x2019;s annual review of the whistleblowing process,
and&#x202F;welcomed the largely positive results.
The GAC Chairman acts as NatWest Group&#x2019;s Whistleblowers&#x2019; Champion,
in&#x202F;line with PRA and FCA regulations, and meets regularly with the
whistleblowing team. Whistleblowing is also discussed regularly with the
chairs of the principal subsidiary audit committees to ensure a common
and coordinated approach across the bank, and the Board is updated on
these and the GAC&#x2019;s discussions as appropriate.
Legal and
regulatory reports
To note material legal
investigations (current and
emerging) and any impacts
on financial reporting; and to
monitor the bank&#x2019;s
relationship with relevant
regulatory bodies including
the FCA and PRA.
Quarterly reports were presented to the Committee setting out updates on
new and existing major investigations and litigation cases. The Committee
considered provision levels and the impact on each quarterly financial
results disclosure and was satisfied in both respects. The Committee also
received updates on ongoing regulatory investigations, current and future
areas of regulatory focus and the nature of the relationships with the
primary regulators.
Other standards
of&#x202F;control
In addition, the Committee
receives regular updates on
matters pertinent to NatWest
Group&#x2019;s standards of
internal control.
The Committee received an update on the bank&#x2019;s tax position and
discussed matters including tax disclosures and provisions, NatWest
Group&#x2019;s tax compliance status, the relationship with HMRC, the UK bank
levy and emerging and forthcoming tax issues (including the likely post-
COVID-19 tax environment and the impact on the OECD Pillar 2 rules
on&#x202F;NatWest Group).
The GAC reviewed the disclosure on internal control matters in conjunction
with the related guidance from the Financial Reporting Council.
Report of the Group Audit Committee continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 104 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g107.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Internal Audit
The GAC is responsible for overseeing the Internal Audit function, monitoring its effectiveness and independence.
Matter Role of Committee and
context of discussion How the Committee addressed the matter
Quarterly opinions To consider periodic
opinion&#x202F;reports prepared
by&#x202F;Internal Audit on the
overall effectiveness
of&#x202F;the&#x202F;governance, risk
management and internal
control framework, current
issues and the adequacy of
remediation activity.
Quarterly opinion reports were provided to the Committee by Internal
Audit, setting out its view of the overall effectiveness of NatWest Group&#x2019;s
governance, risk management and internal control framework, current
issues and the adequacy of remediation activity. Internal Audit also
outlined material and emerging concerns identified through their audit
work. Over the course of the year Internal Audit reported a gradual
improvement in the bank&#x2019;s control environment as the wider economic
recovery from the COVID-19 pandemic continued. The Committee
welcomed Internal Audit&#x2019;s views on major programmes being undertaken
by the bank such as the remediation of financial crime matters, the
implementation of the Enterprise Wide Risk Management Framework and
delivery of the One Bank transformation programme. The importance of
increasing automation across the bank&#x2019;s processes was also evident in
Internal Audit&#x2019;s reports, and this was explored further by the Committee,
as noted above.
Annual plan
and&#x202F;budget
To approve Internal Audit&#x2019;s
annual plan and budget
prior to the start of each
year as well as any
significant changes
required&#x202F;during the year.
The Committee considered and approved Internal Audit&#x2019;s 2021 plan and
budget at the end of 2020. Following the appointment of a new Chief Audit
Executive (CAE) certain refinements to the focus of the plan were made
and these were discussed with the Committee throughout 2021. The
Committee encouraged the function to increase its focus on validating
the&#x202F;closure of prior findings by management. The Committee approved
an&#x202F;increase to Internal Audit&#x2019;s budget for 2021 to support recruitment
to&#x202F;ensure there were appropriate resources available to deliver the plan.
In December 2021, the Committee approved Internal Audit&#x2019;s 2022 plan
and&#x202F;budget.
Internal Audit
Charter and
independence
To approve the Internal
Audit Charter each year and
reviews the independence of
the CAE and function as
a&#x202F;whole.
The GAC reviewed and approved the Internal Audit Charter which was
consistent with prior years. The Committee noted the Independence
Statement and confirmed the independence of Internal Audit. In line with
the revised industry guidance issued in September 2017 and in order to
maintain the independence and perceived independence of both the role of
CAE and the wider Internal Audit function, a new CAE was appointed in
2020 and joined NatWest Group in February 2021.
Performance/
evaluation
To monitor and review,
at&#x202F;least annually, the
effectiveness of
Internal&#x202F;Audit.
In line with prior practice and industry guidance, the CAE continued to
report to the GAC Chairman in 2021, with a secondary reporting line to
the Group CEO for administrative purposes. The GAC assessed the annual
performance (including risk performance) of the function and CAE.
The 2021 evaluation of the Internal Audit function was carried out
internally. Key stakeholders across the bank, including the GAC members,
attendees and the external auditors provided feedback, identifying areas
of&#x202F;particular strength and those for enhancement. The overall findings
were positive, and the Internal Audit function was found to be operating
effectively with continued improvement in most areas being noted. Certain
areas for continued development were identified, including: the greater use
of integrated audits, increased use of digital tools, and building bench-
strength. Progress will be overseen by the GAC in 2022.
Visit To undertake an annual
deep dive session with
members of the Internal
Audit leadership team.
In conjunction with the BRC, the GAC participated in a successful deep
dive session with members of the Internal Audit team in 2021. A variety of
issues impacting the Internal Audit function were discussed, including
succession planning and bench-strength of the function and its recent
work to fully implement integrated audits and extend its use of data
analytics. The Committee was very encouraged by the innovative
approach being taken in these areas and the clear benefits to both
the&#x202F;function and the wider business.
NatWest Group plc &#x2013; Annual Report on Form 20-F 105 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g108.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Report of the Group Audit Committee continued
External audit
The GAC has responsibility for monitoring the independence and objectivity of the external auditor, the effectiveness of the audit
process and for reviewing the bank&#x2019;s financial relationship with the external auditor and fixing its remuneration. Ernst &amp; Young LLP
(EY) has been NatWest Group&#x2019;s external auditor since 2016, following a tender process carried out in 2014.
Matter Role of Committee and
context of discussion How the Committee addressed the matter
External
audit&#x202F;reports
To review reports prepared
by the external auditor in
relation to NatWest Group&#x2019;s
financial results and
control&#x202F;environment.
The Committee received quarterly reports on the audit-related work
and&#x202F;conclusions of the external auditor. The reports included EY&#x2019;s view
of&#x202F;the judgments made by management, compliance with international
financial reporting standards and the external auditor&#x2019;s observations and
assessment of effectiveness of internal controls over financial reporting.
The GAC also received helpful benchmarking information from EY during
the course of the year and in particular relating to the accounting
treatment of the impacts of the COVID-19 pandemic. The Committee
received all communications from EY required by UK auditing standards,
SEC and NYSE rules, including 2021 audit quality and transparency
reports.
Audit plan and fees To consider the scope and
planning of the external
auditor in relation to the
audit of NatWest Group.
It is also authorised by the
shareholders to fix the
remuneration of the
external&#x202F;auditor.
The GAC reviewed EY&#x2019;s 2021 plan. It welcomed the external auditor&#x2019;s
intention to make greater use of digital tools in its work. In line with the
authority granted to the Committee by shareholders at the 2021 Annual
General Meeting (AGM) to fix the remuneration of the external auditor,
the&#x202F;GAC approved the audit fees for the year including the fee for the 2021
interim results. The Committee received confirmation from the external
auditor that the fees were appropriate to enable delivery of the required
procedures to a high quality.
Annual evaluation To review and monitor
the&#x202F;external auditor&#x2019;s
independence and objectivity
and the effectiveness of the
audit process, taking into
consideration all relevant
professional and
regulatory&#x202F;requirements.
In 2021 an internal evaluation was carried out on behalf of the Committee
to assess the independence and objectivity of the external auditor and the
effectiveness of the audit process. The GAC members, attendees, finance
directors of customer businesses and functions, and key members of the
Finance team were consulted as part of the evaluation. The process
assessed the external auditor&#x2019;s independence, engagement, provision of
robust challenge, bench-strength and reporting. The evaluation concluded
that the external auditor was operating effectively and with objectivity.
Respondents reported improvements in relation to the quality of
engagement and challenge in 2021, as well as enhancements in certain
aspects of the audit team&#x2019;s bench-strength. Some suggested areas for
consideration to further strengthen effectiveness included: refining written
reports provided to senior Committees, exploring opportunities to leverage
the work undertaken by other teams within EY and Internal Audit, and to
continue to share its valuable insights on the emerging area of reporting on
climate metrics. Following the evaluation, the GAC recommended that the
Board seek the reappointment of EY as external auditor at the next AGM.
The Committee noted the positive results of the audit quality reviews of
EY&#x2019;s 2020 audit by the FRC and PCAOB during 2021.
Audit partner To oversee the lead audit
partner and resolution of
any points of disagreement
with management.
In February 2021 Micha Missakian succeeded Jonathan Bourne as EY&#x2019;s
lead audit partner for NatWest Group, following the conclusion of Mr
Bourne&#x2019;s five year term in role. Mr Missakian attended all meetings of the
Committee in 2021. The Committee members met in private session with
Mr Missakian twice during the year to ensure the external auditor had
an&#x202F;opportunity to raise any points of disagreement with management.
No&#x202F;such points were raised by the external auditor in 2021.
NatWest Group plc &#x2013; Annual Report on Form 20-F 106 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g109.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Role of Committee and
context of discussion How the Committee addressed the matter
Additional reports
prepared by the
external auditor
To review reports prepared
by the external auditor in
relation to NatWest Group.
During 2021 various additional reports prepared by the external auditor
were considered by the Committee. These included the results of the
external auditor&#x2019;s assurance procedures on compliance with the FCA&#x2019;s
Client Asset Rules for NatWest Group&#x2019;s regulated legal entities for the year
ended 31 December 2021. The Committee also received the outcome of
EY&#x2019;s written auditor report to the PRA under supervisory statement SS1/16
for the year ended 31 December 2021, noting that the matters identified
were already being addressed by management. The Committee Chairman
also contributed to a review of the process and its efficacy by the PRA.
Non-audit services To review and approve,
at&#x202F;least annually, NatWest
Group&#x2019;s policy in relation
to&#x202F;the engagement of the
external auditors to perform
audit and non-audit services
(the policy). All audit and
non-audit services are
approved by, or on behalf of,
the Committee to safeguard
the external auditor&#x2019;s
independence
and&#x202F;objectivity.
The GAC reviewed and approved NatWest Group&#x2019;s non-audit services
policy in 2021. Under the policy, audit-related services and permitted
non-audit service engagements may be approved by the Group CFO up to
certain financial thresholds. Engagements in excess of these limits require
the approval of the GAC chairman. Where the fee for a non-audit service
engagement is expected to exceed &#xA3;100,000, a competitive tender process
must be held; where the fee is anticipated to be &#xA3;250,000 or more approval
of all GAC members is required. The policy permits the external auditor to
undertake engagements which are required by law or regulation or which
relate to the provision of comfort letters in respect of debt issuances by the
NatWest Group, provided prior approvals are in place in accordance with
the policy. The policy also allows NatWest Group to receive services from
EY which result from a customer&#x2019;s banking relationship, provided prior
approvals are in place in accordance with the policy. All such approvals
are subsequently reported to the GAC.
NatWest Group plc &#x2013; Annual Report on Form 20-F 107
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.
During 2021 the Committee approved, on an ad hoc basis, three significant
non-audit engagements (where the fees exceeded &#xA3;100,000) to be
undertaken by the external auditor. These related to: assurance over
selected ESG metrics; the audit of client money and assets (CASS); and the
audit of LIBOR submissions. The latter two engagements are annual audits
required under UK regulations and in prior years had been approved as
part of the consideration of the total audit fees. Given the external
auditor&#x2019;s knowledge of the emerging area of climate-related disclosures
and the alignment to other year-end reporting the Committee determined
that EY were best placed to undertake this work. The audit to non-audit
fee ratio for 2021 was 18%. Further details of the non-audit services policy
can be found at natwestgroup.com. Information on fees paid in respect of
audit and non-audit services carried out by the external auditor can be
found in Note 6 to the consolidated financial statements in the Annual
Report on Form 20-F</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g110.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Corporate governance continued
Dear Shareholder
I am pleased to present my second report as Chairman of
the&#x202F;Board Risk Committee (the Committee or BRC).
This report describes how the BRC has fulfilled its role
overseeing and advising the Board in relation to current
and&#xA0;potential future risk exposures and risk profile; and
in&#xA0;overseeing the effectiveness of risk management
frameworks. In carrying out this important role, the Committee
helps to ensure that NatWest Group is purpose-led&#xA0;in&#xA0;its
decision-making, building long-term value in the business.
More detail on the remit of the Committee can also&#xA0;be found
in its terms of reference which are reviewed annually and
available at natwestgroup.com.
During 2021 the committee ensured its time was prioritised to
focus on oversight of NatWest Group&#x2019;s principal and emerging
risks, including improvements to the management of financial
crime risk, model risk improvements, and the risk impacts of
developments in the external environment as a result of
COVID-19. It has also maintained oversight of the continued
enhancement of the enterprise-wide risk management
framework and the development of regular risk reporting
to&#x202F;drive more insightful reporting to the Board.
It is expected that these will continue to be areas of focus
in 2022 as NatWest Group drives towards return to appetite
in a number of areas and further impact of COVID-19
is experienced.
Further information on key topics considered during the
year and areas of focus and challenge by the Committee
is&#x202F;provided on the following pages.
I would like to thank my fellow Committee members
for their continued commitment, support and challenge
throughout the year.
Morten Friis
Chairman of the Group Board Risk Committee
17 February 2022
Report of the Group
Board Risk Committee
Membership
Patrick Flynn is chairman of the Group Audit Committee
of&#x202F;which Robert Gillespie and I are also members. Robert is
also chairman of the Group Performance and Remuneration
Committee (RemCo) and Lena Wilson sits on this Committee.
This common membership across Committees helps to ensure
effective governance across the committees.
Regular attendees at BRC meetings include: the Group
Chairman, Group Chief Executive Officer, Group Chief
Financial Officer, Group Chief Risk Officer, Group Chief Legal
Officer and General Counsel, Group Chief Audit Executive
and&#x202F;the external auditor. External advice is sought by the
Committee where appropriate.
Two non-executive directors of NWH Ltd (the ring-fenced
bank) attended Committee meetings as observers in their
capacity as members of NWH Ltd&#x2019;s BRC. Meetings of the
Group and NWH Ltd&#x2019;s BRCs share much of a common
agenda&#x202F;and are generally run in parallel.
Meetings and visits
Outside of formal meetings, the Committee also held an
additional meeting on financial crime and met with the Risk
Leadership Team to help build relationships and provide the
team with greater insights on the Committee&#x2019;s perspectives.
Members of the Group and NWH Ltd&#x2019;s BRCs also undertook
a programme of visits to the Risk, Internal Audit and Finance
functions, in conjunction with members of the Group and
NWH Ltd&#x2019;s Audit Committees.
Letter from Morten Friis
Chairman of the Group Board
Risk Committee
&#x201C;BRC has focused on oversight of
NatWest Group&#x2019;s principal risks,
including financial crime risk
management and model risk
management, whilst also overseeing
improvements in the quality of
underlying risk management
frameworks and reporting.&#x201D;
NatWest Group plc &#x2013; Annual Report on Form 20-F 108
BRC comprises four independent non-executive directors.
The details of the members and their skills and experience
are set out on pages 82 to 85 of this document.
There were eight scheduled meetings of the Committee held in
2021 and one ad hoc meeting of members only was required
to discuss executive remuneration matters. The majority
of meetings were held virtually during the year due to the
pandemic but there was one in person meeting arranged
in the second half of the year when circumstances allowed.
Details of meeting attendance can be found on page 87 of this
document.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g111.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Performance evaluation
Throughout the year the Committee acted in accordance with its terms of reference. The annual review of the effectiveness of the
Board and its Committees, including BRC, facilitated by Independent Board Evaluation, a specialist board evaluation consultancy.
Overall, the review concluded that the Committee operated effectively and had evolved in a positive way. Some areas for potential
enhancement were also identified which included streamlining reporting and driving action to address major issues of reputational
significant to NatWest Group. These will be areas of focus for 2022.
Key matters considered by the Committee in 2021
Matter Context of discussion How the Committee addressed the matter
Financial crime Oversight of the
management and return to
appetite of financial crime
risk, which continues to be a
top risk for NatWest Group.
Given the critical importance of the management of financial crime, the
Committee held an additional focus session in January 2021 to discuss the
detailed return to appetite plans and proposed management information
requirements to ensure the Committee was provided with appropriate
reporting to track progress throughout the year. The Committee received
quarterly updates from all three lines of defence which included updates
on progress on return to appetite plans, transformation, emerging risks
and issues, and the Skilled Person&#x2019;s report findings. In addition, the
Committee considered the Money Laundering Reporting Officer&#x2019;s (MLRO&#x2019;s)
report, from the newly appointed MLRO, and considered the enterprise-
wide financial crime risk assessment. The CRO reported on the financial
crime risk profile and progress on remediation as part of the risk
management report at each meeting. Throughout the year, the Committee
challenged management on return to appetite slippage, adequacy of
resource and external support, and the pace of transformation and
remediation to drive improvements in financial crime to ensure we
can&#x202F;protect our customers.
Model risk  BRC maintained close
oversight of management
activity to return to appetite
for model risk.
The Committee evaluated the appropriateness of the model risk
management framework, including required model changes, regulatory
approval thereof, and the return to appetite plan. The Committee
requested a number of additional spotlight sessions in March, July,
September and October 2021 to maintain close oversight of progress. In
intervening months, updates were given via the risk management report.
The Committee requested additional metrics to differentiate between
models where remediation and validation had been completed but
regulatory approval had not been obtained from those models where
management action was still underway and there was particular focus on
progress of IFRS9 and Internal Ratings Based (IRB) models. The Committee
held management to account in relation to return to appetite plans and
sought clarity on accountabilities. Specific consideration of the impact of
model weaknesses was considered as part of separate discussions
regarding capital distributions, ICAAPs and stress testing updates.
NatWest Group plc &#x2013; Annual Report on Form 20-F 109 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g112.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Context of discussion How the Committee addressed the matter
Enterprise Wide
Risk Management
Framework
(EWRMF)
enhancement
(including risk
appetite)
BRC monitored the
effectiveness of the risk
management framework
including further significant
enhancements to the risk
governance arrangements
of NatWest Group.
The Committee oversaw the refresh of both qualitative risk appetite
statements and the quantitative risk appetite measures in line with the
enhanced EWRMF and monitored the risk profile of NatWest Group relative
to risk appetite via the risk management report. The risk appetite refresh
included the introduction of climate risk as a principal risk with associated
risk appetite statement and measures aligned to external climate
commitments and NatWest Group&#x2019;s strategic ambition, acknowledging that
management of this long-term risk will continue to evolve. A more strategic
approach to reputational risk appetite was introduced and the Committee
challenged management to ensure conduct risk appetite is a key focus of
the Board, as well as more generally ensuring risk appetite triggers and
limits are appropriately set. Changes to the manner in which earnings
stability risk appetite is managed and monitored and the framework
to&#x202F;manage capital targets were reviewed by the Committee and
recommended for Board approval. The Committee also challenged
management to develop a more quantitative approach to risk appetite for
all non-financial risks, including conduct, compliance and operational risk
and these were introduced as part of the risk appetite refresh in December
2021. The Committee oversaw the enhancement of the approach to
ensure alignment between risk appetite measures. All of these changes
were subject to detailed review and challenge by the Committee. The
Committee received specific spotlights in respect of all principal risks
during the year.
Report of the Group Board Risk Committee continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 110
The EWRMF is NatWest Group&#x2019;s primary risk management and risk
governance document providing a framework to deliver strategy in a safe
and sustainable way. A number of key enhancements to the EWRMF were
considered by BRC and recommended to Board during 2021, including: the
elevation of the EWRMF to a Board-approved framework; the assimilation
of and enhancement to the pre-existing Board-approved Risk Appetite
Framework within the EWRMF; transitioning all principal risk appetite
measures to Board approved measures; and requiring all principal risk
policies to be approved by the Committee. Further details of these changes
can be found in the Risk management section of the report on page 172 of
this document. These enhancements better align NatWest Group with
peers and regulatory expectations. The Committee considers the
implementation of the EWRMF to be of significant importance to NatWest
Group&#x2019;s robust risk management and requested regular updates on the
progress of the implementation of the EWRMF via the risk management
report.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g113.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Context of discussion How the Committee addressed the matter
Risk profile
and&#x202F;reporting
Time was spent at every
BRC meeting reviewing
NatWest Group&#x2019;s current
and future risk profile
relative to risk appetite,
with&#x202F;a particular focus on
COVID-19 impacts, and
scrutinising management&#x2019;s
actions to monitor and
control exposures.
Risk management reports &#x2013; The Committee considered detailed analysis
on NatWest Group&#x2019;s risk profile, including the UK and global economic
outlook, top and emerging risks and threats, and NatWest Group&#x2019;s
performance against risk appetite at each of its meetings via risk
management reports. During 2021, the format and content of the
report&#x202F;evolved, including integration with the Nerve Centre management
information tool which provided additional optional detail to directors.
The&#x202F;Committee sought a number of changes to the report to drive
more&#x202F;insightful reporting, including more detail on actions being taken
to&#x202F;mitigate top risks, implementation of EWRMF, credit risk and the
Commercial Real Estate portfolio and this work will continue into 2022.
The ongoing impact of COVID-19 on the economy, our customers and
our&#x202F;colleagues was a key element of discussions throughout the year,
particularly the manner in which the better than expected recovery
was&#x202F;managed from a risk perspective. Other key areas of focus included
financial crime and model remediation; the control environment and issues
related thereto; regulatory compliance and conduct issues; embedding
climate risk; operational and change risk; and management of the
correlation of top risks. Reports on legal and regulatory developments
and&#x202F;litigation risks were considered quarterly. The CRO also reported
on&#x202F;key matters discussed at the Executive Risk Committee.
Updates from Subsidiary Risk Committees &#x2013; Quarterly reports were
received from the Chairmen of the management risk committees of
the&#x202F;franchises and the board-level risk committees of material regulated
subsidiaries providing an overview of issues being overseen and a channel
for escalation of issues. The Chairmen of the Board Risk Committees of
material regulated subsidiaries were invited to join meetings throughout
the year, providing updates on key areas of focus.
Capital, funding
and liquidity risk
BRC completed a detailed
review of capital, funding
and liquidity requirements
and also reviewed the
capital distribution proposals.
ICAAPs, ILAAPs and budget stress tests &#x2013; The BRC considered the
budget&#x202F;and budget stress test as well as the ILAAP and ICAAP for NatWest
Group and recommended them to the Board for approval. It challenged
management to ensure that prior regulatory feedback had been addressed
and that Risk and Internal Audit improvement recommendations would
be&#x202F;incorporated in 2022 submissions. The Committee reviewed and
recommended to the Board the scenarios to be used during 2022 for the
Budget, IFRS 9, Earnings Stability, the ICAAP and the ILAAP and noted that
management would continue to use this suite of scenarios throughout
2022, in response to prior feedback from the Committee.
Capital distributions &#x2013; The Committee provided detailed review of
proposals to increase capital distributions to shareholders, prior to
approval by the Board, including creation of an on-market buyback plan,
following the improved projected capital position of NatWest Group in
comparison to the initial view of impacts from COVID-19. The Committee
challenged management on the CET1% target, the manner in which
capital&#x202F;would be deployed over the plan, and how excess capital would
be&#x202F;managed.
NatWest Group plc &#x2013; Annual Report on Form 20-F 111 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g114.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Context of discussion How the Committee addressed the matter
Stress testing  BRC reviewed in detail the
stress testing activity
undertaken by management
to identify and monitor risks
and threats and in relation
to the SST and CBES,
challenging and scrutinising
the outputs.
Stress testing capabilities &#x2013; The Committee also received an update on
improvements in the stress testing capabilities and realignment of stress
testing activity and accountabilities within NatWest Group. This included
the development of enhanced scenario analysis capabilities to support
the&#x202F;calibration of risk appetite measures, earnings stability risk profile
and&#x202F;dynamic capital planning targets.
Bank of England stress tests &#x2013; The BRC performed a detailed review of
the&#x202F;2021 Bank of England Solvency Stress Test (SST) and the Biennial
Exploratory Stress Test, examining the impact on NatWest Group of
potential climate change scenarios (CBES) and recommended the results
of both stress tests to the Board. The Committee approved the scenarios
for these stress tests, under delegated authority from the Board, including
scenario expansion, and considered significant judgments, the impact of
model weaknesses, the results and proposed management actions. The
Committee acknowledged the limitations of the CBES in its preliminary
year and that NatWest Group will continue to develop its modelling and
data capabilities. To ensure directors had sufficient understanding of the
CBES activity in its introductory year, the Committee received a series of
supporting training video materials to help contextualise the process
and&#x202F;results.
Recovery plans and
the resolvability
self-assessment
BRC monitors and
challenges the development
of plans which would allow
NatWest Group to be dealt
with effectively in the event
of financial failure.
Recovery Plan &#x2013; BRC performed the detailed review of the NatWest Group
Recovery Plan prior to approval by the Board. The Committee sought
confirmation from management that NatWest Group had adequate
capacity and capabilities in a recovery scenario and requested that the
dynamic nature of capital planning targets and their impact on CET1
recovery level thresholds be clarified.
Resolvability self-assessment &#x2013; The Committee reviewed management&#x2019;s
approach to its first Resolvability self-assessment and reviewed and
recommended the results of the self-assessment to the Board for approval.
The Committee discussed the risks to resolvability and sought comfort
on&#x202F;observations from Risk and Internal Audit regarding the limited
restructuring options. In advance of approval, the Board undertook
a&#x202F;training session on directors&#x2019; duties in Resolution.
Control
environment
BRC continued to monitor
the effectiveness of internal
controls required to
manage&#x202F;risk.
Control Environment Certification and oversight &#x2013; The Committee
was&#x202F;provided with updates regarding the control environment ratings of
NatWest Group, franchises, functions, services, and legal entities. Particular
areas of focus were NatWest Markets and RBSI and the Committee sought
comfort from management on the key activities to improve ratings,
including financial crime, model risk and surveillance systems. The
Committee received regular updates on trends in the NatWest Group
Notifiable Event Process notifications and management focus on the
culture of escalating issues timeously. The Committee reviewed and
supported management&#x2019;s report on the effectiveness of internal
controls&#x202F;required to manage risk.
Risk culture &#x2013; To support the Board in its role, BRC received updates on
progress to align NatWest Group&#x2019;s culture to its purpose and strategy,
which includes refreshing the approach to risk culture under the banner
&#x2018;Intelligent Risk Taking&#x2019; as a fundamental pillar within the One Bank
culture. This places emphasis on risk appetite alignment with strategic
goals, analytically supported decisions and behaviours such as openness,
challenge and raising issues early. The Committee encouraged
management to consider tolerance for failure and clarity on expectations
as the cultural behaviours were refined. It also sought clarity on how
the&#x202F;updated articulation of risk culture would align with other existing
employee tools and it was confirmed this has been considered.
Report of the Group Board Risk Committee continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 112 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g115.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Context of discussion How the Committee addressed the matter
Financial and
strategic risks
Regular monitoring of key
risks is a pivotal part of
BRC&#x2019;s role both via routine
risk reporting and via
regular focused reports.
Credit and market risk &#x2013; In addition to reporting on credit and market
risk&#x202F;within the risk management report, BRC received separate updates
in&#x202F;respect of the retail and wholesale credit risk portfolios, the single
name&#x202F;concertation framework, commercial real estate exposures, credit
decisions made by the Executive Credit Group and traded and non-traded
market risk. These updates provided insight into the sources of the risk,
including asset quality, risk management approach and risk appetite,
controls and testing and monitoring activity undertaken. The Committee
also received specific spotlights on Commercial Banking credit risk and
stewardship and preparation for expected increased levels of problem
debt&#x202F;due to COVID-19 and plans established to manage this increase.
Financial risk from climate change &#x2013; BRC received quarterly updates on
management plans to address the financial and non-financial risks arising
from climate change, including the inclusion of climate related risks within
the existing EWRMF and the development of new risk appetite measures
to&#x202F;assist monitoring of NatWest Group&#x2019;s risk profile. The Committee also
received assurance from management in relation to the NatWest Group
Climate Change Programme closure activity as NatWest Group transitions
to the integration of climate-related matters into business-as-usual activity.
NatWest Group plc &#x2013; Annual Report on Form 20-F 113 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g116.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Context of discussion How the Committee addressed the matter
Non-financial risks  BRC continued its oversight
of NatWest Group&#x2019;s non-
financial risks, including
major change programmes
and strategic transformation
initiatives.
Transformation/major change programmes &#x2013; BRC considered progress on
the delivery of NatWest Group&#x2019;s transformation and change programme
and its position relative to risk appetite, including oversight of red rated
programmes and consideration of a new reporting style. It received
updates on key regulatory programmes, including LIBOR transition,
IRB&#x202F;models transformation, and GDPR readiness. BRC requested greater
visibility of how interdependencies between programmes were managed,
monitored how strategic risks were being managed and challenged
management on slippage of Objectives and Key Results, adequacy of
capabilities and budget prioritisation. The Committee also challenged
the&#x202F;proposed risk appetite measure which was subsequently changed.
Conduct risk and regulatory compliance risk &#x2013; In addition to the review
of&#x202F;changes to risk appetite measures, the Committee received regular
updates on the conduct and regulatory compliance risk profile, the
elements driving the elevated conduct and compliance risk profile, both,
internally and externally, and actions being taken to return to appetite.
A&#x202F;spotlight on conduct and regulatory compliance highlighted the steps
being taken to embed regulatory compliance within the risk operating
model across NatWest Group. The Committee supported the Board in
overseeing management&#x2019;s progress in embedding compliance with the UK
ring-fencing rules in support of the submission of its regulatory attestation.
Operational risk, resilience, and cyber security &#x2013; BRC received regular
updates on NatWest Group&#x2019;s operational risk profile and risk appetite, with
a particular focus on the impact of COVID-19 on operational resilience,
outsourcing and information and cyber security. The Committee
considered the bank&#x2019;s preparation for compliance with the new
Operational Resilience Regulatory Policy and recommended a new list of
Important Business Services and associated impact tolerances to the Board
for approval. In addition, separate updates on information security were
reviewed and the BRC dedicated time to the consideration of cyber risk,
the external threat landscape, and the action being taken by management
in response. The Committee received confirmation that there was sufficient
investment in this area and there would continue to be focus on change
capacity and effective prioritisation. The Committee received a&#x202F;third-party
management dashboard to facilitate oversight of the identification
and&#x202F;management of third-party related risks. The Committee sought
additional&#x202F;clarity on the process for re-tender and management of
cloud&#x202F;service providers.
Data management and BCBS239 &#x2013; BRC received reports on the data
management risk profile, including the risk implications of proposed data
strategy changes, required to support NatWest Group&#x2019;s refreshed purpose-
led strategy. The Committee also received regular updates on compliance
with BCBS239, challenging management on its approach to assessment of
NatWest Group&#x2019;s compliance status. Changes to the Risk Data Aggregation
&amp; Reporting Framework were reviewed and approved by the Committee
under Board delegated authority.
Report of the Group Board Risk Committee continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 114 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g117.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Matter Context of discussion How the Committee addressed the matter
Accountability
and&#x202F;remuneration
BRC continued to provide
oversight over the risk
dimension of performance
and remuneration
arrangements, working
closely with RemCo.
Accountability &#x2013; The Committee regularly considered developments in
significant material events and investigations.&#xA0;This included resultant
accountability review recommendations, ensuring appropriateness of
the&#x202F;recommendations from a risk perspective.
Remuneration &#x2013; The risk and control goals and associated long term
incentive performance measures of the NatWest Group Executive
Committee (ExCo) were reviewed, with additional focus on underlying
objectives for the Group Chief Risk Officer.&#xA0;In addition, the Committee
reviewed the risk management performance and long term incentive
performance conditions, pre-grant and pre-vest assessments for ExCo,
ensuring fair reflection of risk management performance in award and
vesting outcomes. More generally, the Committee considered and
recommended to RemCo adjustments to NatWest Group&#x2019;s bonus
calculation, to reflect NatWest Group&#x2019;s risk management performance.
Remuneration policy &#x2013; Proposals for the 2022 Executive Director
Remuneration Policy were considered by the Committee and
recommended to RemCo from a risk management perspective.
The&#x202F;Committee also reviewed relevant changes to the Material
Risk Taker identification process.
NatWest Group plc &#x2013; Annual Report on Form 20-F 115
Further detail on how risk is considered in remuneration decisions can
be found in the Report of the RemCo on page 120 of this document. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g118.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Corporate governance continued
Report of the Group
Sustainable Banking Committee
Dear Shareholder,
I am pleased to present my fourth report as Chairman of the
Group Sustainable Banking Committee (the Committee or SBC).
The journey towards being purpose-led
As the Group continues its journey towards being purpose-led,
the Committee has played an important oversight role. On
behalf of the Board, we have focused our efforts on NatWest
Group&#x2019;s progress against our purposeful commitments
and&#x202F;ambitions.
In response to feedback arising from the 2021 performance
evaluation, it was agreed that the Committee should enhance
its focus on customer service and experience. This is now
reflected in our terms of reference and refreshed sustainable
banking pillars &#x2013; Climate; Customers; Enterprise; People &amp;
Culture; and Conduct &amp; Ethics.
2021 Highlights
We held several spotlight sessions throughout the year,
covering our five SBC pillar topics. Committee members
challenged the actions taken by management to run the bank
as a sustainable business and sought the views of internal and
external stakeholders wherever possible. Meeting time is
prioritised towards meaningful debate and discussion.
Below are the key discussion points and outcomes for 2021.
Climate
At its annual climate spotlight session, the Committee
discussed external developments relating to climate and their
potential impact on NatWest Group, including key messages
emerging from an NGO roundtable and an update on COP26
preparations. The Committee also considered a detailed
update on progress against NatWest Group&#x2019;s climate-related
goals and targets.
A franchise-led session on climate-related returns and
opportunities included deep dives on clean buildings and
voluntary carbon markets. Updates were also considered on
climate measurement and reporting; managing the financial
and non-financial risks arising from climate change; how
&#x201C;The Committee has continued to
oversee the embedding of purpose
across NatWest Group, with enhanced
focus on customer service and
experience.&#x201D;
NatWest Group was reducing its own carbon footprint;
and&#x202F;investor insights. Later in the year, the Committee
also&#x202F;received a deep dive session on NatWest Group&#x2019;s first
carbon budget in the context of our carbon emission reduction
commitments. A key outcome was to challenge management
on climate transition activity, specifically to maintain a
opportunistic perspective and to consider the sustainable
business model and performance impacts of exiting climate
sectors as part of climate budgeting activity.
Discussion and questions focused on accelerating the transition
to net zero for customers in their daily lives and for businesses,
including creating new products, services, and sustainable
funding and financing. The Committee was impressed by the
excellent levels of collaboration demonstrated across NatWest
Group and noted the benefits of effective partnerships with
third parties on climate-related initiatives. There was debate
on&#x202F;how NatWest Group maintains a leadership position while
promoting industry-wide progress, and on fostering meaningful
partnerships. A key management action was to report back
on&#x202F;which ESG surveys and NGO reports were most valued
by&#x202F;NatWest Group&#x2019;s influential investors, to direct
appropriate&#x202F;resources.
The discussion continued to build Board level knowledge on
the&#x202F;financial risks from climate change. The discussion should
influence future proposition and strategy design, particularly
around how NatWest Group helps customers to transition, the
approach to investor relations and future climate budgeting.
Customers (including enterprise)
The Committee received an update on customer service and
experience, focused on three key customer segments: Under
30s, Affluent, and Small and Medium-sized Enterprises (SMEs).
Franchise CEOs and their teams presented on the range of
measures which had been introduced to support customers
and communities because of the pandemic.
Discussion and questions focused on the impact of the
pandemic on customers&#x2019; needs for products and services.
Areas of debate included the steps being taken within each
segment to enhance customer service and experience, as
well&#x202F;as peer comparisons and broader industry trends.
An external speaker connected to a youth charity joined to
help us understand how young people had been hardest hit
by&#x202F;the economic crisis arising from the pandemic.
A key outcome was a greater understanding of how youth
opinions and expectations of banks had evolved as a result
of&#x202F;the pandemic, allowing both management and the Board
directors present to better consider the opportunities and
needs relating to this important customer segment during
future strategy design.
People &amp; Culture
Reflecting an enhanced level of focus on culture at Board level,
the Committee&#x2019;s People &amp; Culture meeting concentrated on
the cultural change involved in building a purpose-led bank.
The meeting began with a &#x2018;Living our purpose&#x2019; spotlight
session covering some of the diversity, equity and inclusion
Letter from Mike Rogers
Chairman of the Group Sustainable
Banking Committee
NatWest Group plc &#x2013; Annual Report on Form 20-F 116 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g119.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">initiatives which focused on community learning and social
mobility. We were joined by two guest speakers &#x2013; one of
NatWest Group&#x2019;s apprentices who joined the bank from
school,&#x202F;and charity partner of CareerSense (NatWest Group&#x2019;s
employability programme which aims to support 13 to 24 year
olds to have the skills, knowledge and experience to take
control of their future) &#x2013; who helped us understand how
these&#x202F;programmes are changing the lives of young people.
The Committee also discussed the results of the latest Our
View survey where employees respond to questions covering
wellbeing, purpose, building capability and leadership. Linked
to this was an update from Internal Audit on their Behavioural
Risk reviews, where team sub-cultures are assessed using
behavioural science for indicators of potential future
conduct&#x202F;issues.
Key areas of discussion and challenge were the need to
coordinate and potentially simplify the range of diversity,
equity&#x202F;and inclusion policies and practices, culture measurement
reporting improvements and assurance of management action
to address behavioural sub-culture findings.
A key outcome and example of constructive, Board level
challenge was the request for a further deep dive on the
branch culture findings, where the Committee felt more detail
and understanding was needed about behaviours, products
and practices involved, and the improvements planned for.
Conduct &amp; Ethics
Following discussion at the People &amp; Culture session, the
Committee received a deep dive presentation on branch
culture which focused on safe sales practices, the ongoing
branch transformation activity and culture improvement
plans&#x202F;which focus on customer feedback rather than product
targets. The report and presentation were well received
and&#x202F;demonstrated a robust management response to the
issues raised.
Spotlight sessions on customer trust, fraud and human rights
were also presented, followed by a group discussion with
external insights from a guest speaker who challenged
NatWest Group&#x2019;s approach and shared practical suggestions
based on experience of leading on human rights activity for
a&#x202F;global consumer goods company.
Discussion and challenge focused on the social dimension of
the ESG agenda; an area in which interest and expectations
are increasing. The Committee listened to customer calls
about&#x202F;romance and cryptocurrency scams which prompted
discussion about some of the conduct and ethical dilemmas
NatWest Group and the wider industry are facing around
customer behaviour and responsibility.
A specific conduct-related action was for management to
provide data on colleague abuse and related support, given
the&#x202F;worrying trend seen in service industries generally.
Supporting long-term value creation
Given its purpose responsibilities, the Committee continues
to&#x202F;receive a purpose dashboard providing a useful snapshot
of&#x202F;NatWest Group&#x2019;s progress against key purpose targets
and&#x202F;metrics.
The Committee also considered and provided advice to
the&#x202F;Group Performance and Remuneration Committee
on&#x202F;customer, strategy, people and culture targets and
performance, advocating for sustainable targets with
the&#x202F;incentive framework.
Committee members enjoyed meeting potential executive-level
successors in July 2021, when we explored with top talent how
NatWest Group can continue to support, build relationships,
and grow within the communities NatWest Group serves.
Membership, meetings and escalation
There were no changes to the Committee&#x2019;s membership
during 2021. Membership of the SBC continues to comprise
three non-executive directors as members, with two non-
executive directors from NatWest Group&#x2019;s ring-fenced bank
board observing, along with management attendees. More
details of membership and attendance for the SBC can be
found in the Corporate governance report.
The Committee&#x2019;s operating rhythm, including the number
of&#x202F;scheduled meetings held in the year and escalation
mechanisms, has not changed since last year&#x2019;s report. Two
ad&#x202F;hoc meetings were scheduled to accommodate executive
remuneration policy matters. Authority is delegated to the SBC
by the Board and a regular report of the Committee&#x2019;s activities
is provided to the Board. The Committee&#x2019;s terms of reference
are available at natwestgroup.com and these are reviewed
annually and approved by the Board.
Performance evaluation
The annual review of the effectiveness of the Board and its
senior Committees was conducted externally in 2021. The
report on the SBC was a positive one. I was pleased to read
that the agendas feel well-purposed and my fellow directors
enjoy the range of presentations and insights as much as I do.
We discussed recommendations relating to driving harder to
action and effecting change in the areas within our remit,
noting the successes and limitations of our current meeting
structure and schedule.
We agreed to maintain a keener eye on management actions
going forward which should support enhanced management
accountability. I would also like to continue to see customer
experience and service remain at the heart of each of
our&#x202F;sessions.
The Committee operated within its Terms of Reference during
the year.
Conclusion
As I envisaged in last year&#x2019;s report, the Committee has
continued to oversee Purpose progress across the Group
during what has been a critical time of embedding, with
enhanced focus on customer service and experience.
We have continued to benefit from a broad range of internal
and external stakeholder perspectives, and our discussions
have been all the richer for it.
I would like to take this opportunity to thank everyone who has
contributed to the Committee&#x2019;s activities during 2021, including
my fellow directors, attendees, and presenters, for their
commitment and dedication.
Mike Rogers
Chairman of the Group Sustainable Banking Committee
17 February 2022
Areas of focus for 2022 will follow this year&#x2019;s structure with
the same dedicated meeting themes. The structure will retain
some flexibility to allow us to respond to any emerging issues
within the Committee&#x2019;s remit should something significant
arise. Challenging views and a diverse range of insights
will continue to be sought to support the 2022 meetings.
NatWest Group plc &#x2013; Annual Report on Form 20-F 117
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g120.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Corporate governance continued
Report of the Technology and
Innovation Committee
Dear Shareholder,
I am delighted to present my second report as Chairman of the
Technology and Innovation Committee (the Committee or TIC).
Role and responsibilities
TIC is responsible for supporting the Board by overseeing,
monitoring, and challenging the actions being taken by
management in relation to technology and innovation.
In doing so, the Committee also gives due consideration
to&#x202F;NatWest Group&#x2019;s purpose.
Authority is delegated to TIC by the Board and a regular report
of the Committee&#x2019;s activities is provided to the Board. The terms
of reference are available at natwestgroup.com. These are
reviewed annually and approved by the Board.
Principal activity during 2021
During 2021, the Committee has played an important role in
helping to support and challenge management plans to use
technology and innovation as part of its journey to become
a&#x202F;relationship bank for a digital world. TIC focused on the
principal themes of digitising the core, future ready, innovation,
partnerships and ventures, and emerging threats and
opportunities. As agreed, as part of the 2020 Committee
evaluation, it deliberately focused on a smaller number of deep
dives into specific aspects of each theme, including competitor
position and link to purpose. Key highlights included:
Digitising the core
The Committee received a number of spotlight sessions on
the&#x202F;development of existing technology, architecture, and
processes to enhance customer experience and maintain
the&#x202F;health and resilience of IT systems.
The Committee considered management programmes
designed to automate pioneer customer journeys, including
Account Opening and Pay a Bill or Person, which impact 70 to
80% of customer interactions and the majority of the customer
base. The Committee considered how the activity would
improve customer experience, reduce cost, and utilise One
Bank capabilities to drive a consistent approach. Committee
discussions focused on digitising the front to back architecture;
the use of digital journeys in branch and telephony channels;
the benefits from immediate decisioning; and from simplifying
the product offering and supporting processes and technology.
&#x201C;The Committee has played an
important role in helping to support
and&#x202F;challenge management plans to
use technology and innovation as part
of its&#x202F;journey to become a relationship
bank for a digital world.&#x201D;
The Committee also discussed how predictive analytics, including
machine learning, was being used within the Retail and Private
Banking businesses, primarily to assist with identification of
potential customer needs and plans to extend the use of such
techniques to the Commercial Banking business.
TIC also considered how Open Finance was changing
the&#x202F;sector and the changes required to core systems and
architecture. The Committee noted the increased use of
Application Programming Interfaces (APIs) to improve the
NatWest Group&#x2019;s internal architecture, maximise re-use of
assets and to improve customer experience. In addition, the
external consumption and monetisation of bank produced
APIs&#x202F;in conjunction with partners was also considered. The
Committee discussed potential opportunities presented by the
development of FreeAgent (integrated lending for NatWest
Group customers based on cashflow forecast), Payit (Open
Banking payments offering), and data sharing to support
new&#x202F;SME customers onboarding.
The Committee received an update regarding changes in
the&#x202F;use of technology by the Risk function. TIC discussed
technology and data transformation underway, including
the&#x202F;use of robotic process automation and workflow tools;
movement of risk engines to a cloud-based solution; data
transformation; and use of &#x2018;Software as A Service&#x2019; applications
for solutions. The Committee discussed and challenged how
proposed changes to the logical data architecture could
improve regulatory reporting and noted that approach
reduced&#x202F;complexity via data consolidation and assigning
end&#x202F;to end ownership for such data.
The update on the use of technology and innovation as part
of&#x202F;NatWest Group&#x2019;s security and cyber defences, included the
evolution of the threats faced by NatWest Group; the strength
of NatWest Group&#x2019;s defences against such attacks to date; and
the continuous innovation approach being implemented. Mr
James Lyne, Head of Research and Development at the SANS
Institute and member of NatWest Group&#x2019;s Technology Advisory
Board provided an external perspective on how NatWest
Group compared to competitors and challenges being
faced&#x202F;by&#x202F;the industry.
Future ready
The Committee considered a number of actions being taken
within the organisation to transform data and technology
capabilities and deploy forward-looking technology.
Letter from Yasmin Jetha
Chairman of the Technology and
Innovation Committee
NatWest Group plc &#x2013; Annual Report on Form 20-F 118
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g121.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">TIC received an update on how new technology was
empowering colleagues to adapt to a digital future by
providing&#x202F;modern software, such as Workday, which had seen
high adoption rates. Implementation of Ask Archie, NatWest
Group&#x2019;s chatbot, and accelerated adoption of tools such as
Microsoft Office 365 and Zoom as a result of COVID-19 were
also considered. The Committee discussed and challenged the
mindset and behaviour changes needed to embrace adoption,
the technology challenges posed by legacy technology
platforms, and contention between tools which were
managed&#x202F;via One Bank design oversight.
The Committee discussed the manner in which potential
acquisitions would be considered from a technology and
innovation perspective. Discussion focussed on external
threats, lessons learned from prior acquisitions and
potential&#x202F;targets.
Innovation &amp; partnerships and ventures
Being powered by innovations and partnerships is a key part
of&#x202F;NatWest Group&#x2019;s strategy.
TIC considered an update on the framework and approach
to&#x202F;partnership working from a technology and innovation
perspective. This was supported by certain deep dives on
existing strategic relationships. TIC also discussed the
potential&#x202F;income threat from payments disruption and
potential&#x202F;opportunities to address this threat.
The Committee received updates regarding key Venture&#x2019;s
initiatives, including Tyl and Rapidcash. In relation to Tyl, the
Committee noted that it extended beyond helping businesses
to receive payments by helping customers to run and grow
their business as well as giving back to the community. The
Committee discussed and challenged growth plans and how
the business was proposed to be scaled following reduced
growth, partly as a result of COVID-19. The competitive
environment, emergence of non-traditional payment providers,
and the potential to make greater use of merchant acquiring
data to help customers and drive further development was
also&#x202F;considered.
Regarding Rapidcash, TIC noted the transition of the business
into Commercial Banking as a market leading product with the
potential to disrupt the asset finance market by resolving issues
such as long onboarding times, links to customers&#x2019; accounting
software packages to provide &#x2018;always on&#x2019; lending and use of
an invisible trust account to resolve customer pain points.
Emerging threats and opportunities
TIC considered the potential threats and opportunities
presented by big technology companies, including innovation
from China-based technology companies. The Committee
noted the collaborative approach taken by management
to&#x202F;deepen relationships beyond supplier relationships
into&#x202F;partnership working to solve customer needs.
The Committee discussed the evolution of digital currencies,
exploration of central bank digital currencies and growth of
tokenised assets and the potential threats and opportunities
presented. It was agreed that this would continue to
be&#x202F;monitored.
Membership and meetings
The Committee is supported by management and the
Group&#x202F;CEO, Group CFO, Chief Administration Officer,
Chief&#x202F;Risk Officer, Director of Innovation, Director of Strategy
&amp; Corporate Development and Chief Technology Officer are
all&#x202F;standing attendees.
External insights were also provided through the updates
provided by management.
The Committee held four scheduled meetings during 2021.
Performance evaluation
The annual review of the effectiveness of the Board and its
Committees, including TIC, was facilitated by Independent
Board Evaluation, a specialist board evaluation consultancy.
Throughout the year the Committee acted in accordance with
its terms of reference and, overall, the review concluded that
the Committee operated effectively, and had responded to
prior feedback regarding focus on a smaller number of
spotlight items.
The review suggested that, given the importance of technology
and innovation, the Committee could arrange its work in a way
that would be more accessible to all Board members. As a
result, it was agreed that appropriate agenda topics would be
opened to all Board Directors in future and that consideration
would be given to reducing the number of Committee meetings
held taking into account the sessions opened up to the full
Board in future years.
The outcomes of the evaluation have been reported to the
Board and the Committee will track progress during 2022.
Conclusion
I am delighted to chair this Committee as it continues to
support the Board in an area core to NatWest Group&#x2019;s purpose
to champion potential, helping people, families, and businesses
to thrive.
Together with my fellow directors, we will retain our focus
on&#x202F;monitoring the future technology and innovation landscape
and its impact on NatWest Group in order to ensure continued
resilience and help NatWest Group become a relationship bank
in a digital world. The Committee will continue to shape
opportunities arising from management&#x2019;s response to
both&#x202F;threats and opportunities that align with NatWest
Group&#x2019;s&#x202F;purpose.
I want to take the opportunity to thank the Committee
members and attendees for their continued commitment
during 2021.
Yasmin Jetha
Chairman of the Technology and Innovation Committee
17 February 2022
NatWest Group plc &#x2013; Annual Report on Form 20-F 119
The Committee is comprised of three non-executive director
members, Frank Dangeard, Patrick Flynn, and me. More
details of membership and attendance at meetings can be
found on page 87 of the Corporate governance report in this
document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g122.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Directors&#x2019; remuneration report
Directors&#x2019;
remuneration report
Dear Shareholder,
On behalf of the Board I am pleased to set out the Directors&#x2019;
remuneration report for 2021. There continues to be
heightened public interest in pay, as the wider economy and
society attempts to recover from the impact of the COVID-19
pandemic. Economic conditions have improved, which has led
to an increasingly competitive external market for key talent
and skills. Many companies are having to manage higher than
usual attrition rates. Furthermore, the level of inflation in the
UK economy has increased significantly, as have forecasts of
its level in the coming year, which has given rise to heightened
expectations of general salary increases. For many individuals,
the experience of working from home has led to significant
changes in how working environments are now perceived.
As&#x202F;a result, we have had many important matters to
consider&#x202F;during the year.
As part of this report, we have set out proposals for a new
Directors&#x2019; Remuneration Policy (the Policy). Subject to approval
from shareholders, this will apply from the 2022 Annual General
Meeting (AGM), with the first awards being granted under the
new Policy in March 2023. This letter explains why we are
seeking approval for this new policy which is significantly
different from the existing policy which has been in force
since&#x202F;2017. The report also details the remuneration
decisions&#x202F;we made under the existing Policy for 2021.
Summary of the year
NatWest Group has delivered a strong operating performance
in 2021, returning to profitability with an attributable profit of
&#xA3;2,950 million. NatWest Group&#x2019;s share price also saw a sharp
recovery throughout the year, increasing around 35% and
outperforming our UK peers. Our capital distribution plan has
helped return &#xA3;3.8 billion to shareholders through buybacks,
both directed and on-market, and dividends. Our strong capital
position and continued capital generation mean that NatWest
Group is well placed to invest for growth, to provide the
support our customers need as the economy recovers
and to drive sustainable returns to shareholders.
We have also been acutely aware in our deliberations that
during 2021 the Financial Conduct Authority (FCA) imposed
a&#x202F;fine of &#xA3;265 million on NatWest Bank Plc for breaches of
the&#x202F;Money Laundering Regulations 2007 over five years ago.
My report explains how we have taken this matter into
account in our pay decisions.
Wider workforce remuneration
The Committee has a very keen interest in wider workforce
remuneration. Our colleagues enable us to achieve our
purpose of helping people, families and businesses to thrive.
It&#x202F;is therefore vital they are paid fairly and in ways that
support&#x202F;our values and culture.
Over the year we have seen demand rise rapidly for certain skill
sets. This has put pressure on retaining talent within NatWest
Group. With the decisions we make as a Committee, we seek
to&#x202F;recognise these demands while meeting our commitment
to&#x202F;pay colleagues fairly, in line with our Fair Pay Charter.
I am pleased that the lowest level of pay for UK-based
colleagues at NatWest Group has exceeded the Living Wage
foundation benchmarks in the UK for several years. We take
a&#x202F;similar approach across our major hubs outside the UK. The
fixed pay investment we have made over the last few years
has typically been higher than the rate of inflation for that
period. This investment has been targeted primarily towards
our most junior and lowest paid colleagues, areas where
specialist skills are required leading to high attrition rates
and&#x202F;those lowest in their salary ranges.
I know from speaking to colleagues that they are concerned by
the economic conditions especially in our main hub in the UK.
Our 2022 pay discussions with our recognised trade unions
are&#x202F;still ongoing, but we believe the proposed salary increases,
which would provide an expected 3.6% on average across
the&#x202F;wider global workforce from April 2022, demonstrate a
materially improved pay position with fair outcomes for our
colleagues. For the most junior colleagues in the UK, the
minimum proposed salary increase would be &#xA3;600 and the
majority of them would be in line to receive at least 4%.
Contents
Letter from Robert Gillespie,
Chairman of the Group
Performance and
Remuneration&#x202F;Committee
NatWest Group plc &#x2013; Annual Report on Form 20-F 120
120 Chairman&#x2019;s introduction
124 Remuneration at a glance
127 The Directors&#x2019; Remuneration Policy

I met with the Colleague Advisory Panel (CAP) during the year
and we had a good discussion on our approach to executive
and wider workforce remuneration. We know how important
it is to have fair and transparent pay structures for all. One of
the suggestions from the CAP was to explore how our Fair Pay
Charter could receive a higher profile within the bank which
the Committee is taking forward. I also explained certain
challenges we have been facing with the current Policy for
executive directors, as described later in my letter. Further
details regarding my engagement with the CAP is set out
on page 138 of this document.
and wider workforce remuneration
142 The Annual remuneration report
159 Other remuneration disclosures</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g123.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">We have agreed a bonus pool of &#xA3;298 million in respect of
2021 for those colleagues who are eligible to receive a bonus
award. This is 44% higher than the 2020 bonus pool, which
was significantly reduced to reflect the impact of COVID-19. It
is also 3% lower than the 2019 bonus pool, which was agreed
prior to COVID-19. We have followed a consistent process for
determining the bonus pool since 2014. When determining
the&#x202F;pool, we considered a balanced scorecard of strategically
important measures, including financial performance,
customer&#x202F;outcomes, colleague experience and risk performance.
In 2021, we included a new measure of progress against our
climate&#x202F;ambitions.
A material downward adjustment was applied to the 2021
bonus pool to reflect the fine imposed on NatWest Bank Plc
for&#x202F;breaches of the Money Laundering Regulations 2007
and&#x202F;ongoing financial crime remediation considerations.
This&#x202F;adjustment was apportioned across all business areas
to&#x202F;reflect the impact on the bank&#x2019;s financial performance and
to reinforce to colleagues the need to ensure the effective
management of financial crime. Whilst progress has been
made in recent years on NatWest Group&#x2019;s management of
financial crime, an all-colleague financial crime performance
goal has been introduced in 2022 so that it continues to receive
the appropriate focus. We have also initiated an accountability
review into the events that led to the breaches of the Money
Laundering Regulations 2007. The possible need for individual
pay adjustments to prior year awards, using the malus and
clawback provisions in the NatWest Group remuneration
construct, will be considered as part of the accountability process.
Revised remuneration policy for executive directors
The current Policy was introduced in 2017 and renewed in
2020. The Committee believes it has worked well in supporting
our culture of prudent risk taking, by introducing a significantly
restrained variable pay position for executive directors in
return for more consistent pay outcomes during a time of
significant transition for the organisation.
The Committee has been mindful that the current Policy is not
aligned to standard market practice and that some of its unique
features have been subject to challenge. Over the last year, we
have listened carefully to shareholders and other stakeholders.
We have also been mindful that the bank is nearing the end
of&#x202F;its long process of normalisation and the Government
continues to sell its shareholding which will result in a
normalised shareholder base. Finally, we have found the
operation of the pre-vest test more difficult than expected. We
have concluded in the light of all these factors that substantial
change to our existing Policy is required and that now is the
appropriate time for NatWest Group to transition to a more
market-standard remuneration model rather than waiting
until&#x202F;the next triennial vote on the Policy in 2023.
Under regulatory requirements, which have been in force for a
number of years, regulated banks may only offer variable pay
equal to 100% of fixed pay, unless shareholder approval is
obtained to increase the ratio to 200% of fixed pay. NatWest
Group did not seek shareholder approval and has operated
on&#x202F;a 1:1 structure. The Board is not seeking to change this
position as it believes the current construct supports our belief
in prudent risk taking and the maintenance of restrained
compensation levels. We do, however, believe that executives
should be incentivised using a structure that balances both
short-term and longer-term performance, while maintaining
our focus on prudent risk management. We are, therefore,
proposing that our current long-term incentive (LTI) construct
is replaced by a more widely accepted and competitive
construct based around annual bonus plus Restricted
Share&#x202F;Plan (RSP) awards.
In total, the changes set out in this report would result in
expected total compensation increasing by 19% for the CEO
and by 13% for the CFO, once the transition period is complete.
This would bring both executive directors closer to, but still
below, the average expected total compensation paid by
the&#x202F;other major UK banks.
We recognise that the move to a more normal construct
which&#x202F;involves an increase to total compensation represents a
material change and intend to make the transition to the new
Policy over two years. The phasing will mean that no more
than half of the increase will apply in year one.
The Committee is highly aware that any increase in
compensation will be closely scrutinised by shareholders. It is,
therefore, important for us to be clear on why we believe the
combination of annual bonus plus RSP represents the best
cultural and strategic fit for our organisation and why the
proposed opportunities under each element are appropriate.
By introducing a market-aligned annual bonus mechanism we
will increase the performance alignment within the package
to&#x202F;annual performance based on formulaic and weighted
measures and targets. This will provide greater transparency
on performance outcomes and a more direct link between pay
and the delivery of our strategic targets. The market-aligned
RSP will also ensure that we continue to retain a level of
balance within the package between annual performance
and&#x202F;longer-term alignment with the shareholder experience.
The Committee has consulted widely with shareholders
and&#x202F;the final form of the proposals being put forward
for&#x202F;shareholder approval reflects much of the feedback
we&#x202F;have&#x202F;received. In my discussions with some of our
major&#x202F;shareholders, it has become clear that the current
management team is highly regarded and that it would be
imprudent to ignore this when setting an appropriate pay
scale. Further details of the consultation findings are set out
in&#x202F;this report.
The Board believes that these proposals are in the company&#x2019;s
best interests as they move our remuneration policy into line
with market norms and provide a more competitive package
to&#x202F;our executive directors, which is a very important factor in
attracting and retaining highly talented colleagues. The Board,
therefore, recommends that shareholders vote in favour of the
new Policy.
NatWest Group plc &#x2013; Annual Report on Form 20-F 121
Delivering a remuneration package which is sufficiently
competitive both in structure and quantum to attract and
retain our senior team has been a significant consideration
in determining the proposed new arrangements. You can
find detailed information about the new Policy on pages 124
 to 126 below.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g124.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">2019 LTI award vesting outcome
Following an assessment of her performance in 2018, Ms Rose
received an LTI award over 2019, while CEO of Commercial &amp;
Private Banking. Ms Murray was on a different remuneration
construct for the 2018 performance year and did not receive
an LTI award in 2019.
The Committee carried out a pre-vest assessment at the end
of 2021 for awards granted in 2019 which vest in 2022. This
involved considering whether anything had come to light since
grant that would change our original view of performance of
the beneficiaries of the award during the 2018 financial year.
We used a structured set of questions and evidence factors to
guide discussions. From the analysis, we agreed that customer
and risk were areas that merited further consideration.
Supported by external opinion, we concluded that although
customer performance had declined in one business area,
it&#x202F;was not due to factors within management&#x2019;s reasonable
control. Therefore, no adjustment was made relating
to&#x202F;customer.
On risk performance, the pre-vest test confirmed there had
been no material deterioration in risk culture or profile over the
relevant period. However, management performance relating
to financial crime remediation over the 2018 performance year
was considered to be an area that merited further investigation
using the Risk &amp; Control underpin.
The Group Board Risk Committee (BRC) concluded that,
while&#x202F;management had taken significant action to drive
delivery of the financial crime remediation programme,
there&#x202F;had not been a full appreciation of scale, complexity
and&#x202F;interdependencies of the programme at the time of the
2019 LTI grant, resulting in delays to the proposed return
to&#x202F;appetite.
The BRC recommended that an adjustment be considered and
as a result we applied a pre-vest reduction of 5% of Ms Rose&#x2019;s
original maximum 2019 LTI award resulting in a reduction of
32,234 shares vesting. A pre-vest reduction of 5% of the
original maximum was also made to the 2019 LTI award
held&#x202F;by the former CEO, Ross McEwan.
2019 LTI award to Alison Rose
Maximum Granted Shares to vest
Shares 644,672 568,829 536,595
Value &#xA3;1.7m &#xA3;1.5m &#xA3;1.197m
The &#xA3;1.197 million value reflects an aggregate reduction of
17% of the maximum LTI award level for Ms Rose across
pre-grant and pre-vest stages. It also reflects the fall in
the&#x202F;share price over the performance period.
Directors&#x2019; remuneration report continued
Executive director pay for 2021 and
salaries for 2022
Alison Rose
At the time of the last Policy renewal in 2020, we committed to
considering salary increases for Ms Rose during the life of the
Policy. No increases have been made since her appointment
in&#x202F;2019. In December 2021, we noted the proposed average
salary increase for the wider global workforce and agreed
that&#x202F;a reduced rate of increase would be appropriate for the
executive directors. As a result, Ms Rose&#x2019;s salary will increase
by 2% under the existing Policy from 1 April 2022.
In considering performance against the LTI targets for 2021,
we agreed that Ms Rose&#x2019;s performance has been highly
impressive. Finance and climate performance was strong with
targets achieved and despite a marginal &#x2018;miss&#x2019; on the &#x2018;building
capability&#x2019; target, our people scores were good. Targets for
supporting enterprise were also met and customer performance
had improved in most areas. In terms of risk performance,
while there had been some progress, it was noted that
there&#x202F;was more work to do on the control environment.
External assessments of Ms Rose&#x2019;s performance were
also&#x202F;very favourable, especially in relation to leadership on
COVID-19 schemes and COP26. Board members welcomed
Ms&#x202F;Rose&#x2019;s frankness and transparency during the year.
Our overall assessment of Ms Rose&#x2019;s performance for 2021 led
the Committee to agree that an LTI award of &#xA3;1,598,000 would
be an appropriate outcome, which represents 145% of salary
and 83% of the maximum LTI award. In order to ensure parity
of treatment with the wider workforce, the LTI outcome
reflected an adjustment to mirror the downward adjustment to
the 2021 bonus pool for the fine imposed on NatWest Bank Plc
for breaches of the Money Laundering Regulations 2007 and
ongoing financial crime remediation considerations. Ms Rose&#x2019;s
LTI award will be granted in March 2022.
Katie Murray
Ms Murray&#x2019;s salary has remained unchanged since
her&#x202F;appointment to the Board in January 2019 and
the&#x202F;Committee&#x202F;agreed that an increase of 2% would be
appropriate. The increase will take effect from 1 April 2022.
In considering an LTI award for 2021, we agreed that Ms
Murray had also performed well during the year. Along with
the achievements noted against LTI targets for Ms Rose, Ms
Murray had successfully delivered the quarterly results, with
proactive investor engagement and made good progress on
refreshing the annual reporting process. Cost reduction
targets&#x202F;were also met for Finance and NatWest Group.
Our overall assessment of performance for 2021 led the
Committee to agree that an LTI award of &#xA3;1,057,500 would be
an appropriate outcome, which represents 141% of salary and
71% of the maximum LTI award. In line with the approach
taken for Ms Rose, the LTI outcome reflected an adjustment to
mirror the downward adjustment to the 2021 bonus pool for
the fine imposed on NatWest Bank Plc for breaches of the
Money Laundering Regulations 2007 and ongoing financial
crime remediation. Ms Murray&#x2019;s LTI award will be granted
in&#x202F;March 2022.
NatWest Group plc &#x2013; Annual Report on Form 20-F 122
The total adjustments made to their respective maximum 2019
LTI award levels, when combined with adjustments made
pre-grant, amounted to 17% for Ms Rose and 11% for Mr
McEwan. You can find full details of the pre-vest assessment
for both Ms Rose and Mr McEwan on page 143 to 144 of this
document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g125.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">While the performance cycle has completed, the shares
from&#x202F;this award will vest in tranches up to 2026. Malus and
clawback provisions help ensure that recipients maintain a
long-term focus in their decision-making and aligns with
regulatory expectations.
Approach to windfall gains
In my report last year, I highlighted that windfall gains had
become a focal point for shareholders due to share price
volatility as a result of the pandemic. When the LTI grants
were&#x202F;made in 2021, the share price had risen over the prior
year resulting in fewer shares being granted to satisfy a given
quantum of award. We, therefore, did not consider there were
any obvious potential windfall gains implications for award
levels that should be addressed at the time of grant. We
continue to believe that vesting, rather than at grant, is the
best time to consider any adjustments for windfall gains.
To guide our judgment, we continue to operate a framework
designed to assess whether windfall gains have arisen over the
period from grant to vest and the factors to be considered in
making any adjustments.
Gender and ethnicity pay reporting
The Committee considers gender and ethnicity pay gap
metrics to be another important indicator and full details can
be found in the Strategic report and at natwestgroup.com.
This&#x202F;is the fourth year that we have published ethnicity pay
gap information on a voluntary basis. We are confident that
colleagues are paid fairly and policies and processes are kept
under review to make sure this continues to be the case.
Climate in remuneration
From 2020, we have included a climate goal and related
measures in our executive director performance goals.
Climate&#x202F;will continue to be an integral part of the annual bonus
scorecard to be introduced under the new Policy proposals.
As mentioned above, the bonus pool agreed for the wider
workforce was also determined for 2021 having regard to
performance against strategically important measures,
including our climate ambition. This ensures that the work
of&#x202F;colleagues in supporting the transition to a low carbon
economy is being reflected in pay decisions.
Looking ahead
The Committee understands the expectations of shareholders,
colleagues and wider society relating to the oversight of
remuneration continue to evolve. It is also very aware that
the&#x202F;bank&#x2019;s commitment to purpose, to equality of opportunity
and to fighting climate change must be fully reflected in
compensation outcomes for its employees in general and
its&#x202F;leaders in particular. I have referred to all these matters
throughout this letter and the Committee will continue to
focus&#x202F;on these and other emerging issues in the coming year.
The Committee is focused on ensuring the smooth transition to
the new Policy, assuming it is approved by shareholders at the
2022 AGM. Set out later in this document is the annual bonus
scorecard expected to be used in respect of 2022. We would
expect the bonus scorecard to continue to evolve to ensure
that it is incentivising progress against NatWest Group&#x2019;s
purpose-led targets and wider societal needs.
We have committed to publish our climate transition plan
which will support alignment with the Paris Agreement. Future
climate targets will in turn evidence progress towards longer-
term climate objectives. We will also continue to engage with
colleagues to explain the alignment of our approaches to
executive and wider workforce remuneration and to listen
to&#x202F;their feedback.
This is my last report as the Chairman of the Committee
as&#x202F;I&#x202F;will have completed nine years as a director of NatWest
Group later this year. It has been a great privilege to perform
the role of Chairman of the Committee for the last five years.
I&#x202F;believe it is imperative for NatWest Group to be able to
motivate and retain colleagues of great ability at every level in
the firm and therefore to be able to evidence the link between
its remuneration policies, culture and purpose. I strongly
believe that the proposed changes to the Policy are an
important step in the evolution of NatWest Group to being
a&#x202F;purpose led organisation and hope shareholders will vote
for&#x202F;its approval at the forthcoming AGM.
Robert Gillespie
Chairman of the Group Performance and
Remuneration&#x202F;Committee
17 February 2022
NatWest Group plc &#x2013; Annual Report on Form 20-F 123
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g126.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Delivering a restrained but fair level of pay for executive directors
Remuneration at a glance
NatWest Group CEO target variable pay
% of salary (&#xA3;000 total compensation (TC) target)
8% increase
in compensation
9% increase
in compensation
50%
150%
85%
125%
200%
(TC: &#xA3;4,626)
125%
43%
168%
(TC: &#xA3;4,262)
140%
140%
(TC: &#xA3;3,953)
Current Policy Year 1 proposed Year 2 onwards
Target variable pay (% of salary)
Bonus RSP Major UK banks average LTI
Major UK
bank average
226% (TC:&#xA3;5,347)
NatWest Group CEO maximum variable pay
% of salary (&#xA3;000 total compensation (TC) maximum)
9% increase
in compensation
Major UK
bank average
433% (TC:&#xA3;7,849)
9% increase
in compensation
Bonus RSP Major UK banks average LTI
100%
150%
85%
125%
250%
(TC: &#xA3;5,187)
125%
85%
144%
210%
(TC: &#xA3;4,739)
175%
175%
(TC: &#xA3;4,346)
Current Policy Year 1 proposed Year 2 onwards
Max variable pay (% of salary)
How does the new Policy ensure continued
shareholder&#x202F;alignment?
With the adoption of the RSP, we will replace our current
leaver terms with market aligned best practice leaver terms,
with pro-rating reintroduced in good-leaver scenarios for RSP
awards. Shareholding requirements will be increased from
400% to 500% of salary for the CEO and from 250% to 300%
of&#x202F;salary for the CFO and the fixed share allowance release
period will be extended from three to five years.
As is the case under the current Policy, around 67% of
expected remuneration would continue to be delivered under
the new Policy in shares, which will be subject to deferral and
retention requirements. Along with the proposed increase in
shareholding requirements, this will continue to ensure close
symmetry between executives, shareholders and the financial
health of the business.
Delivering a restrained but competitive level of pay
for executive directors which is aligned with our
cultural values
What is driving the move to a new Policy?
Under the current Policy we deliver variable pay through a
single long-term incentive arrangement, which operates in
a&#x202F;different way to those more commonly seen in the market,
particularly in the case of the main UK banks. The LTI-only
construct operates within a 1:1 variable to fixed pay ratio with
executive directors receiving a significantly restrained but more
predicable level of pay, thereby encouraging safe and secure
growth within appetite.
However, it has become apparent through our stakeholder
engagement process that certain shareholders continue to
have reservations with regard to the current Policy and its
unique features, in particular, the lack of formulaic, weighted
performance measures, and the removal of pro-rating. The
Committee has given considerable thought to how it should
address such feedback and, conscious that we are continuing
on a trajectory towards private ownership, believe now would
be an appropriate time to introduce a more market-aligned
annual bonus and RSP construct for executive directors.
Why are we increasing total compensation?
The Committee has also been mindful that while we have
successfully recruited highly talented executive directors under
the current Policy, our compensation levels are falling too far
behind our nearest competitors. The Board is very pleased with
the performance of the executive directors since appointment.
We believe that continuing an approach that is materially
behind our peers is imprudent and that a move towards a
more flexible remuneration structure, which delivers more
competitive levels of pay, is justified and in the best interests
of&#x202F;the business.
The new Policy will result in an increase to total compensation
for executive directors, with maximum variable pay set at
100% of base salary for annual bonus and 150% of base
salary&#x202F;for RSP awards. While this enables us to deliver more
competitive levels of pay, maximum compensation levels for
the CEO would still be the lowest compared with other major
UK banks and significantly lower than peers who continue to
operate traditional long-term incentive plan (LTIP) constructs,
demonstrating continued restraint on executive pay. The
increase in variable pay levels should also be viewed in the
context of us making further changes to the Policy which
will&#x202F;introduce less favourable leaver treatment, increased
shareholding requirements and longer holding periods for
the&#x202F;fixed share allowance.
We recognise moving to a more normal construct represents
a&#x202F;material change and intend to make the transition in two
phases. For the first year, maximum awards will be limited to
85% of base salary for annual bonus and 125% of salary for
the&#x202F;RSP. The charts opposite illustrate the transition for the
CEO from our current Policy and also show that compensation
levels will move closer to, but still below, the average maximum
and target compensation levels at the other major UK banks.
The CFO will also be below the average maximum and target
compensation levels at the other major UK banks.
NatWest Group plc &#x2013; Annual Report on Form 20-F 124 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g127.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">One of the principal areas of focus during meetings was the
transition to the new Policy including the new variable pay
structure with annual bonus and RSP awards. The Committee
Chairman explained that NatWest Group remained committed
to prudent yet competitive compensation levels that would
assess long-term performance and ensure alignment with
shareholder interests. Discussions also highlighted that
under&#x202F;the new Policy shareholders would expect continued
adherence to best practice and transparent remuneration
disclosures. The Committee acknowledged the need to ensure
the ongoing alignment of all aspects of the new Policy with
market best practice. A summary of the new Policy and how it
compares to the current Policy can be found on the next page,
followed by the main Policy tables which set out further details.
In addition to the above discussions, we also held three virtual
shareholder events with retail shareholders in 2021 to ensure
we heard from the wider shareholder base on matters of
importance. The event held in November 2021 focused on
climate and one of our shareholders asked how we link
executive pay to ESG measures including climate. Yasmin
Jetha, one of our directors who was present at the event,
confirmed that climate measures had been introduced for
executive directors in 2020 which assessed performance with
reference to progress towards climate positive operations, the
funding and financing of climate and sustainable finance, and
the setting of sector specific targets for emissions reduction.
Ms Jetha&#x2019;s response also noted that executive director
performance had, for several years, also been assessed with
reference to social and governance measures, with diversity
and inclusion targets having been in place since 2017. Further
shareholder events are planned for 2022. Shareholders play
a&#x202F;vital role in helping us develop remuneration practices that
meet the needs of all our stakeholders and we are grateful for
their involvement in the process.
It is also now more important than ever that we listen to our
colleagues and use the insight we gain to attract, engage and
retain the talent we need for the future. In November 2021, the
Committee Chairman met with our Colleague Advisory Panel
to discuss executive and wider workforce pay. The outcome of
such discussion is summarised in more detail in the &#x2018;colleague
listening strategy&#x2019; section later in this report.
NatWest Group CEO variable pay
% of salary (&#xA3;000 total compensation maximum)
50% reduction
in LTIP
opportunity
Further discount
acknowledging restrained
pay position
and rebalancing
towards long term Year 1
implementation
limited to a
lower award
Bonus RSP LTIP
100%
150%
85%
125%
250%
(&#xA3;5,187) 210%
(&#xA3;4,739)
192%
144%
336%
(&#xA3;6,839)
192%
288%
480%
(&#xA3;8,597)
Average for
other major UK
banks with LTIPs
Illustrative 50%
reduction
Proposed
Policy
Year 1
implementation
Max variable pay (% of salary)
With bonus expected to vest at 50% of maximum opportunity,
the combination of the RSP and bonus means that we are still
guiding towards an expected vesting level of 80% for variable
remuneration outcomes. This is aligned with the position under
our current LTI-only construct which is expected to vest at 80%
of maximum opportunity. However, in the case of the new
Policy, the expected vesting level of 80% depends on executive
directors achieving on-target performance across the annual
bonus scorecard.
How does the RSP operate in practice and does it satisfy
shareholder guidelines?
The Committee will be required to assess the performance
of&#x202F;executives under the RSP construct, both at the pre-grant
and&#x202F;pre-vest stage. The pre-grant test will measure whether
executives have achieved satisfactory performance over
the&#x202F;performance period prior to grant, using the existing
performance management processes that apply to all
colleagues across the bank.
RSP awards will also be subject to an underpin assessment at
pre-vest stage. The underpin assessment is designed to ensure
that sustainable performance has been achieved over the
course of the vesting period.
While RSP awards are expected to be granted and vest at
100% of maximum opportunity, the combination of the RSP
pre-grant and pre-vest tests enable the Committee to make
downward adjustments, potentially to zero, in order to guard
against payments for failure.
We know that shareholder guidelines normally expect an
appropriate discount, of at least 50%, to be applied when
introducing RSP awards compared to a traditional LTIP with
performance conditions. As our current Policy differs in a
number of ways to traditional practice and has already
delivered a more restrained pay position, with significantly
reduced maximum total compensation levels, it would not
be&#x202F;appropriate to apply the 50% discount to our current
LTI&#x202F;construct.
Recognising that the principle of a 50% discount to an LTIP
equivalent construct remains important to stakeholders, the
Committee is satisfied that the proposed move to the RSP is
aligned with the spirit of the guidelines as it delivers more than
a 50% reduction when the RSP construct is compared with
more traditional LTIP constructs envisaged by the guidance.
This is illustrated further in the chart opposite.
Engagement with stakeholders on
remuneration
Every year we undertake an engagement programme
with&#x202F;major shareholders and other stakeholders before the
Committee makes final decisions on pay awards. In late 2021
and early 2022, we met with several institutional shareholders,
UK Government Investments, proxy advisors and the UK
regulators to discuss our approach to remuneration for the
2021 performance year and our proposed policy amendments
for executive directors.
NatWest Group plc &#x2013; Annual Report on Form 20-F 125 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g128.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Remuneration at a glance continued
Comparing the new Policy with the current Policy
The main features of the Policy as applied in 2021 is summarised in the table below. The table also includes details of how the
Policy is intended to apply in 2022 if approved by shareholders at the 2022 AGM.
Timing Key elements Current Policy Proposed Policy
Paid over
performance year
Fixed pay Salary Any increase will not normally be greater than the average salary increase for NatWest Group
employees over the period of the Policy.
Other than in exceptional circumstances, the salary of an executive director will not increase by
more than 15% over the course of this Policy.
Implementation in 2021:
CEO: &#xA3;1,100,000
CFO: &#xA3;750,000
Implementation in 2022:
2% increase under existing Policy from 1 April
CEO: &#xA3;1,122,000
CFO: &#xA3;765,000
Pension Pension contribution, aligned to the wider workforce, at 10% of base salary.
Benefits &#xA3;26,250 standard benefit funding
Other benefits can be paid within the terms of the Policy.
Fixed Share
Allowance
100% of base salary
Shares released over three years.
100% of base salary
Shares released over five years.
Paid in the year after
the performance
year, share element
subject to 12-month
retention period.
Annual
bonus
Maximum
benefit
Not part of Policy for 2021 Maximum award: 100% of base salary
Phased maximum: 85% of base salary for first
awards in 2023 for performance year (PY)2022
Operation Awarded upfront with a 50/50 split of cash
and shares.
Metrics Annual bonus assessed based on a weighted
scorecard of strategic measures, as set out
below. A risk modifier will also apply, enabling
risk performance to be assessed and awards
reduced, potentially to zero.
Metrics Weighting
RoTE  30%
Income growth  10%
Cost reduction   10%
Capital  10%
Climate   10%
Customer  10%
Purpose, Culture and People  10%
Enterprise and Capability  5%
Personal   5%
Paid over years three
to seven after grant
with a 12-month
retention period
after&#x202F;each vesting.
Long-term
incentives
LTI award RSP award
Maximum
benefit
CEO: 175% of base salary
CFO: 200% of base salary
Final award in 2022 for PY2021.
Maximum award: 150% of base salary
Phased maximum: 125% of base salary
for&#x202F;first&#x202F;awards in 2023 for PY2022.
Operation Delivered in shares, vesting in equal tranches over years three to seven with a 12-month
retention period following each vesting.
Metrics Performance assessed over year before grant
with further tests before vesting.
Balanced scorecard in line with our strategic
aims, performance assessed in the round.
RSP awards subject to satisfactory
performance before grant and an underpin
assessment after three years to check
performance has been sustainable.
Ongoing Share
ownership
Shareholding
requirements
CEO: 400% of salary
CFO: 250% of salary
CEO: 500% of salary
CFO: 300% of salary
Post-
employment
requirements
Equal to the lower of the shareholding requirement immediately prior to departure or the actual
shareholding on departure, to be held for a period of two years post departure.
Ongoing Malus and
clawback
NatWest Group plc &#x2013; Annual Report on Form 20-F 126
Operation Any variable pay awarded is subject to malus prior to vesting and clawback for seven years
from grant, extended to ten years in certain circumstances. See page 141 of this document
for further details.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g129.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Subject to approval from shareholders, the new Policy set out below will be effective from the date of the 2022 AGM. It will apply
for a period of three years, until the 2025 AGM, unless a revised Policy is approved by shareholders before then.
Fixed pay for executive directors
Purpose and link to strategy Operation Maximum potential value
Base salary
Providing fair levels of base
salary and other elements of
pay supports the recruitment
and retention of high-calibre
executives to develop and
deliver strategic priorities.
Base salary set at a
competitive level which
means there is less reliance
on variable pay. This helps
to&#x202F;discourage excessive
risk-taking.
Base salary is paid monthly in cash and reviewed annually.
Rates are determined based on the individual&#x2019;s role,
skills&#x202F;and experience and are benchmarked against
market&#x202F;practice.
We use a peer group, which includes comparable roles in
other financial services groups of a similar size, to determine
the appropriate level of base salary. We amend this peer
group from time to time to ensure it remains relevant.
Salaries will be increased by 2% from 1 April 2022.
1 January 2022 1 April 2022
CEO &#xA3;1,100,000 &#xA3;1,122,000
CFO &#xA3;750,000 &#xA3;765,000
Any future salary increases will take
in-role performance into account
and will be considered against peer
companies. Any increase will not
normally be greater than the
average salary increase for NatWest
Group employees over the period
of&#x202F;the Policy.
Other than in exceptional
circumstances, an executive
director&#x2019;s salary will not increase
by&#x202F;more than 15% over the course
of&#x202F;this Policy. See the recruitment
policy section for new directors.
Fixed share allowance
Additional fixed pay
that&#x202F;reflects the skills
and&#x202F;experience required
and&#x202F;the complexities and
responsibilities of the role.
It further supports the
delivery of a balanced
remuneration policy offering
a suitable mix of fixed and
variable pay.
This is a fixed allowance paid entirely in shares. Individuals
receive shares that vest immediately subject to any
deductions required for tax purposes. A retention period
will&#x202F;also apply. Shares will be released annually on a
pro-rata basis over five years from the date of award(1).
As shares are held beneficially, the directors will be entitled
to any dividends paid on those shares.
The fixed share allowance will broadly be paid in arrears, in
four instalments per year or at any other frequency that the
Committee deems appropriate. The fixed share allowance is
not pensionable and no performance conditions apply.
An award of shares with an annual
value of up to 100% of base salary
at&#x202F;the time of award, or such higher
amount as represents this value
rounded up to the nearest
whole&#x202F;share.
(1)  If regulatory requirements emerge that prohibit allowances from being delivered in shares, or deem that such allowances will not qualify as fixed remuneration, then NatWest Group
reserves the right to provide the value of the allowance in cash in order to ensure compliance with such requirements.
The Directors&#x2019; Remuneration Policy
(the Policy)
NatWest Group plc &#x2013; Annual Report on Form 20-F 127 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g130.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The Directors&#x2019; Remuneration Policy continued
Purpose and link to strategy Operation Maximum potential value
Benefits
Providing a range of flexible
and market competitive
benefits that colleagues value
and that help them carry
out&#x202F;their duties effectively.
Executive directors can select from a range of standard
benefits including a company car, private medical cover,
life&#x202F;assurance and critical illness insurance.
Executive directors are also entitled to travel assistance
connected with company business including the use of a car
and driver. NatWest Group will meet the cost of any tax due
on the benefit. On rare occasions when executive directors
are accompanied by their spouse or partner to business
events, NatWest Group may also meet the costs and any
associated tax liability. Executive directors are also entitled
to holiday and sick pay.
NatWest Group may offer further benefits including, but not
limited to, relocation assistance in line with market practice.
We may also put in place certain security arrangements for
executive directors when that is deemed appropriate and
meet the cost of any tax due on these benefits.
A set level of funding for standard
benefits (currently &#xA3;26,250 and
subject to periodic review).
We disclose the total value of
benefits provided each year in the
Annual Report on remuneration.
The maximum potential value of
benefits will depend on the type
of&#x202F;benefit and cost of providing it,
which will vary according to
market&#x202F;rates.
Any non-standard benefits are
subject to approval from the Board.
Pension
Encouraging planning
for&#x202F;retirement and
long-term savings.
This involves the provision of a monthly pension allowance
paid in cash and based on a percentage of salary.
Recipients have the opportunity to use the cash to
participate in a defined contribution pension scheme.
  &#x2013; CEO &#x2013; 10% of base salary
  &#x2013; CFO &#x2013; 10% of base salary
In compliance with the UK Corporate
Governance Code (the Code),
the&#x202F;pension allowance rates for
executive directors are aligned with
the rate for the wider workforce
(currently 10% of base salary)(1).
This&#x202F;rate may&#x202F;be increased or
reduced to remain aligned with
the&#x202F;wider NatWest Group.
(1)  10% of base salary is in line with the rate applicable to the vast majority of the workforce. Over 99.64% of employees in the UK receive this rate.
NatWest Group plc &#x2013; Annual Report on Form 20-F 128 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g131.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Variable pay for executive directors
Purpose and link to
strategy Operation Maximum potential value Performance assessment
Annual bonus
To support a culture
where individuals are
rewarded for the delivery
of superior performance,
taking into account
NatWest Group&#x2019;s
strategic objectives
and&#x202F;purpose.
Performance will be
assessed based on a
range of financial and
non-financial measures
that encourage long-term
value creation for
shareholders.
Part of the annual bonus
award is paid in shares
with a holding period.
Awards are also subject
to malus and clawback
adjustments to support
long-term decision-making.
Annual bonus awards will operate
as&#x202F;follows:
  &#x2013; performance will be assessed
against a balanced scorecard
of&#x202F;measures to determine the
amount of any award for a
particular year;
  &#x2013; awards will be paid 50% in shares
and 50% in cash;
  &#x2013; awards will be paid in combination
with RSP awards to meet or
exceed the deferral period for
variable pay in order to comply
with regulatory requirements;
  &#x2013; a post-vesting retention period will
apply to the amount delivered in
shares in line with regulations
(currently 12 months); and
  &#x2013; malus provisions apply prior to
vesting and clawback applies for
seven (and potentially up to ten)
years from the date of award.
Awards will be subject to any other
terms as regulators require from
time to time.
We may calculate the number of
shares awarded using a share price
that is discounted to reflect the
absence of the right to receive
dividends or equivalents during the
vesting period. If regulations permit
the use of dividend equivalents in
future, awards may be eligible to
receive dividend equivalents instead.
The discounted share price will
be&#x202F;calculated with reference to
estimated dividend yields based on
market consensus and the length of
the vesting period. An independent
adviser will then review it. For the
avoidance of doubt, there is no
intention to reflect special
dividends&#x202F;in the calculation.
We will grant annual bonus awards
on a discretionary basis. They will be
delivered through one of NatWest
Group&#x2019;s shareholder-approved
employee share plans.
The maximum value of
annual bonus awards will be
set at 100% of base salary
for executive directors (or
an amount which represents
such value rounded up to
the nearest whole share).
The value of awards can
also reflect a discount
for&#x202F;long-term deferral, in
line with the Prudential
Regulation Authority (PRA)
Rulebook and European
Banking Authority
(EBA)&#x202F;guidelines.
The level of the award to be
paid can vary between 10%
for threshold performance
and 100% for maximum
performance. Target
performance will pay
out&#x202F;at&#x202F;50% of maximum
opportunity.
Threshold and maximum
targets will be disclosed at
the end of the performance
period in the 2022 Directors&#x2019;
Remuneration Report,
alongside the actual level
of&#x202F;performance achieved.
The Committee will set and
assess performance against the
scorecard with weightings that
apply to each category. The
measures and targets we use
will reflect NatWest Group&#x2019;s
strategic priorities for the year
and align with our purpose.
Financial measures will account
for between 50% and 60% of
the annual bonus opportunity.
A range of non-financial
measures will be included in a
strategic category accounting
for at least 30% of the overall
scorecard. Personal measures
may also be used up to a
maximum of 10% of the overall
scorecard. A risk modifier
will&#x202F;also apply, enabling risk
performance to be assessed
and awards reduced,
potentially to zero.
The Committee has discretion
to vary the performance
measures and weightings in
appropriate circumstances.
However, financial measures
will always account for at
least&#x202F;50%.
The Committee also has
discretion to determine the
appropriate bonus outcome
when the assessment of
performance against the
formulaic measures and
targets&#x202F;would drive an
unrepresentative outcome
or&#x202F;when it is necessary to
consider strategic, economic,
or societal impacts that were
not or could not have been
accounted for at the point of
agreeing the bonus scorecard.
We will set out further details
on the performance measures
and weightings and a detailed
assessment of performance
against targets in the relevant
year&#x2019;s Annual Report
on&#x202F;remuneration.
NatWest Group plc &#x2013; Annual Report on Form 20-F 129
You can find the proposed
performance measures and
weightings for the 2022
financial year on page 150
to 151 of this document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g132.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Variable pay for executive directors continued
Purpose and link to
strategy Operation Maximum potential value Performance assessment
RSP awards
To support sustainable
performance over a
multi-year period.
We will deliver awards
entirely in shares with
payments deferred over
many years. This creates
simple and effective
alignment with the
returns that shareholders
receive over the long term.
Awards are subject to
malus and clawback
adjustments to
discourage excessive
risk-taking and other
inappropriate behaviours.
RSP awards will operate as follows:
  &#x2013; an award will be granted in shares
provided satisfactory performance
has been achieved in the prior year;
  &#x2013; performance will be assessed
using&#x202F;our established performance
management processes that apply
to all colleagues across the bank;
  &#x2013; after three years, performance
against pre-determined underpin
criteria will be used to ensure
there&#x202F;is no payment for failure;
  &#x2013; subject to the underpin assessment,
awards will vest in combination with
annual bonus awards to meet or
exceed the deferral period for
variable pay under regulatory
requirements (currently between
years three to seven after grant);
  &#x2013; a post-vesting retention period
will&#x202F;apply to the shares in line with
regulations (currently 12 months);
and
  &#x2013; malus provisions can be applied
prior to vesting and clawback
applies for seven (and potentially
up&#x202F;to ten) years from the date
of&#x202F;award.
Awards will be subject to any other
terms regulators require from time
to&#x202F;time.
We may calculate the number
of&#x202F;shares awarded using a share
price&#x202F;that is discounted to reflect
the&#x202F;absence of the right to receive
dividends or equivalents during the
vesting period. If regulations permit
the use of dividend equivalents in
future, awards may be eligible to
receive dividend equivalents instead.
The discounted share price will be
calculated with reference to estimated
dividend yields based on market
consensus and the length of the
vesting period. An independent adviser
will then review it. For the avoidance
of doubt, there is no intention
to&#x202F;reflect special dividends in
the&#x202F;calculation.
We will grant RSP awards on a
discretionary basis. They will be
delivered through one of NatWest
Group&#x2019;s shareholder-approved
employee share plans.
The maximum value of
RSP awards will be set at
150% of base salary for
executive directors (or an
amount which represents
such value rounded up to
the nearest whole share).
The value of awards can
also reflect a discount for
long-term deferral, in line
with the PRA Rulebook
and&#x202F;EBA guidelines.
Depending on the
Committee&#x2019;s assessment of
the RSP underpin criteria,
the vesting level of the
award can vary between
0% and 100% of the
original number of
shares&#x202F;granted.
The expected vesting level
of the RSP award is 100%
of maximum opportunity.
Executive directors will
be&#x202F;granted an RSP award
provided performance over the
prior year is considered by the
Committee to be satisfactory,
when assessed using our
established performance
management processes.
Before vesting takes place,
the&#x202F;Committee will review
the&#x202F;outcomes of the business
against underpin criteria
determined by the Committee.
In the first year of operation,
the underpin criteria will
consider whether a sustainable
level of performance over the
period has been achieved with
reference to:
1.  the level of capital held
relative to the maximum
distributable amount;
2.  total distributions paid relative
to our distribution policy; and
3.  any material deterioration
in&#x202F;the risk or regulatory
compliance profile or control
environment of NatWest
Group, or a serious conduct
or reputational event.
The Directors&#x2019; Remuneration Policy continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 130
Following the underpin
assessment, RSP awards may
vest in full, in part or lapse in
their entirety. The Committee
will also retain the right to
consider other factors and
apply discretion before deciding
on the final vesting outcome.
This will aim to mitigate
any potential unintended
consequences that might arise
and ensure that the outcome
is fair. You can find more
information on the RSP in
the implementation of Policy
for 2022 on page 151 of this
document.
The Committee is committed
to transparency and will
explain its reasons for applying
discretion or for not doing so.
We also reserve the right to
change the underpin criteria
when granting new RSP
awards over the Policy period.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g133.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Other elements of the Policy for executive directors
Purpose and link to strategy Operation Maximum potential value
Shareholding requirements
Executive directors must
build and continue to hold
a&#x202F;significant shareholding
both during and after
employment.
This helps to further align
their interests with returns
to&#x202F;shareholders over the
long&#x202F;term.
Shares held outright, including those acquired under the
fixed share allowance, qualify towards the shareholding
requirement. Unvested shares from annual bonus and
RSP&#x202F;awards count on a net-of-tax basis towards the
shareholding requirement once performance conditions
have been assessed. When any applicable retention periods
have passed, executive directors can dispose of up to 25%
of the net-of-tax shares received until the shareholding
requirement is met. Any shares purchased voluntarily will
count towards the requirement but are excluded from the
restriction on sale.
On leaving, executive directors are required to hold
shares&#x202F;of a value equal to the lower of their shareholding
requirement immediately prior to departure or the actual
shareholding on departure, for a period of two years. The
requirement includes vested and unvested shares that have
been assessed for performance but shares purchased
voluntarily are excluded from the post-employment
shareholding requirement. A fixed number of shares for
the&#x202F;post-employment requirement will be determined at
the&#x202F;date of departure.
Procedures are in place to help enforce the shareholding
requirements, both during and after employment. Executive
directors are required to agree to be bound by the terms of
the requirements and to use prescribed nominee accounts
to hold shares subject to restrictions.
CEO &#x2013; 500% of salary.
CFO &#x2013; 300% of salary.
Requirements may be reviewed
in&#x202F;future but are not expected to
be&#x202F;reduced.
Employee share plans
Providing an opportunity
for&#x202F;executive directors to
purchase shares in the
company voluntarily.
The plans provide an opportunity for executive directors to
contribute from salary and acquire shares under one or
more of NatWest Group&#x2019;s all-employee share plans in
operation from time to time. In the UK, this currently includes:
  &#x2013; the Sharesave plan where monthly savings over a fixed
period may be used to purchase shares at an agreed
option price; and
  &#x2013; the Buy As You Earn plan where shares can be purchased
from pre-tax salary.
Executive directors may participate on the same basis as
other eligible employees. All-employee share plans are not
subject to performance conditions.
The statutory limits that are imposed
by HMRC in the UK or the limits
under the relevant share plan rules.
Legacy arrangements
To ensure NatWest Group
can continue to honour
payments due to
executive&#x202F;directors.
In approving this Policy, authority is given to honour any
previous commitments or arrangements entered into with
current or former directors. This includes any share awards
granted under the 2014 Employee Share Plan. For the
avoidance of doubt, all outstanding LTI awards granted
under previous policies will continue to vest in line with the
terms agreed at the time of grant. LTI awards are subject to
performance assessments prior to grant and again before
vesting. Awards are deferred over three to seven years and
a 12-month retention period applies after each vesting.
Authority is also given to honour arrangements agreed with
an employee prior to appointment as an executive director
that may have different terms or performance conditions.
In line with existing commitments
and arrangements.
NatWest Group plc &#x2013; Annual Report on Form 20-F 131 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g134.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The Directors&#x2019; Remuneration Policy continued
Remuneration for the Chairman and non-executive directors
Purpose and link to strategy Operation Potential value
Fees
Competitive fixed
remuneration that reflects
the skills, experience and
time commitment required
for the role.
Fees are set at an
appropriate level to attract
individuals with the attributes
needed to oversee the
Board&#x2019;s strategy.
Fees are paid monthly in cash. The Board retains discretion
to pay fees in cash, shares or a combination of the two.
The level of remuneration reflects the responsibility and time
commitment required, and the level of fees paid to directors
of comparable major UK companies. We review fees regularly,
and the Board may choose to apply an increase within the
limits of the Policy on an annual or less frequent basis.
The Chairman receives an all-inclusive fee. Non-executive
directors receive a basic Board fee with additional payments
when serving as a member or Chairman of a Board
Committee or performing an additional role such as the
Senior Independent Director. Non-executive directors may
also receive fees as directors of subsidiary companies.
Additional fees may be paid for new Board Committees
provided these are not greater than fees payable for the
existing Board Committees as detailed in the Annual
remuneration report.
No variable pay is provided, enabling the Chairman
and&#x202F;non-executive directors to maintain appropriate
independence, focus on long-term decision-making
and&#x202F;constructively challenge performance of the
executive&#x202F;directors.
The rates for the year ahead
are&#x202F;set&#x202F;out in the Annual Report
on&#x202F;remuneration.
Any increases to fees will not
normally be greater than the
average inflation rate or salary
increases for the wider workforce
over the period of the new Policy.
However, we take into account that
any change in responsibilities, role
or&#x202F;time commitment may merit a
larger increase.
Other than in exceptional
circumstances, fees will not increase
by more than 15% over the course of
this Policy.
Benefits
Providing a level of benefits
in line with market practice.
The Chairman and non-executive directors are also entitled
to travel assistance connected with company business,
including the use of a car and driver where deemed
appropriate. Where this is a taxable benefit for the recipient,
NatWest Group will meet the cost of any tax due on the
benefit. On rare occasions when directors are accompanied
by their spouse or partner to business events, NatWest
Group may also meet the costs and any associated tax
liability. We may also offer other benefits in line with
market&#x202F;practice.
In line with evolving working practices and our efforts to
discourage unnecessary travel and costs, the Board has
moved to a hybrid model where meetings take place both
&#x2018;in person&#x2019; and remotely. In light of the change, NatWest
Group will consider providing assistance and meeting
reasonable costs on a case-by-case basis to support the
Chairman and non-executive directors in the effective
undertaking of their roles from another location. If additional
tax liabilities arise from this practice, NatWest Group will
also meet these costs when deemed appropriate. The
Chairman is entitled to private medical cover and life
insurance cover provided the Board considers the
costs&#x202F;to&#x202F;be reasonable.
Reasonable expenses incurred in connection with
the&#x202F;performance of duties will also be reimbursed.
The value of the private medical and
life insurance cover provided to the
Chairman as well as other benefits
provided under the new Policy will
be in line with market rates and
disclosed in the Annual
remuneration&#x202F;report.
NatWest Group plc &#x2013; Annual Report on Form 20-F 132 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g135.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Other policy elements for directors
Provisions Operation
Recruitment policy Our Boardroom Inclusion Policy is in place to ensure that NatWest Group can attract, motivate and
retain the best talent and avoid limiting potential caused by bias, prejudice or discrimination. When
recruiting new directors, our Policy aims to be competitive and to structure pay in line with the
framework applicable to current directors (as stated in the tables above), while recognising that
some&#x202F;adjustment to quantum may be necessary to secure the preferred candidate.
The pension allowance for new executive directors will be in line with that of the wider UK workforce.
We can continue to honour existing commitments in the event of an internal promotion. A buy-out
policy exists to replace awards forfeited or payments foregone, which is in line with regulatory
requirements. The Committee will minimise buy-outs wherever possible and ensure they are no
more&#x202F;generous than, and on substantially similar terms to, the original awards or payments they
are&#x202F;replacing. No sign-on awards will be offered on joining.
Any awards granted following recruitment may be made under such NatWest Group employee
share&#x202F;plans as are in place from time to time or otherwise in accordance with the relevant provisions
in the Listing Rules. We will disclose full details in the next remuneration report. The maximum level
of variable pay which may be granted to new executive directors will be guided by, but not limited to,
arrangements for existing executive directors. In any event this will not exceed the limit of one times
the level of fixed pay. The maximum level excludes any buy-out arrangements.
Notice and
termination&#x202F;provisions
Executive directors
As set out in our executive directors&#x2019; service contracts, NatWest Group or the executive director is
required to give 12 months&#x2019; notice to the other party to terminate the employment. The Committee
will ensure that any proposals relating to termination payments are fair and reasonable and
recognise that failure is not rewarded. There are no pre-determined provisions for compensation on
termination, other than when we determine that a redundancy payment is properly due under our
redundancy policy in place from time to time. There is discretion for NatWest Group to make a
payment in lieu of notice (based on salary only) which is released in monthly instalments. The
executive director must take all reasonable steps to find alternative work and any remaining
instalments will be reduced as appropriate to offset income from any such work.
Chairman and non-executive directors
Instead of service contracts, the Chairman and the non-executive directors have letters of
appointment that reflect their responsibilities and time commitments. There are no notice periods
and&#x202F;we will pay no compensation in the event of termination, other than standard payments for the
period served up to the termination date.
Under the Board Appointment Policy, non-executive directors are appointed for an initial term of
three years, subject to annual re-election by shareholders.&#xA0;At the end of this initial term, a further
three-year term may be agreed.&#xA0;Non-executive directors may be invited to serve beyond six years,
up to a maximum tenure of nine years. The Chairman is not subject to the Board Appointment Policy
but is subject to the Code&#x2019;s requirements relating to the maximum tenure period for chairs. All
directors stand for annual election or re-election by shareholders at the NatWest Group&#x2019;s AGM.
Effective dates of appointment for directors:
Howard Davies &#x2013; 14 July 2015
Alison Rose &#x2013; 1 November 2019
Katie Murray &#x2013; 1 January 2019
Frank Dangeard &#x2013; 16 May 2016
Patrick Flynn &#x2013; 1 June 2018
Morten Friis &#x2013; 10 April 2014
Robert Gillespie &#x2013; 2 December 2013
Yasmin Jetha &#x2013; 21 June 2017(1)
Mike Rogers &#x2013; 26 January 2016
Mark Seligman &#x2013; 1 April 2017
Lena Wilson &#x2013; 1 January 2018
(1)  Yasmin Jetha&#x2019;s first appointment to the Board. In preparation for the ring-fencing regime, Ms Jetha stepped down from the Board in
2018 to serve solely as a director of some of our subsidiary companies before re-joining the Board on 1 April 2020.
NatWest Group plc &#x2013; Annual Report on Form 20-F 133 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g136.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Provisions  Operation
Treatment of outstanding
share plan awards
on&#x202F;termination
On termination, we will treat awards in accordance with the relevant plan rules or other terms on
which they were granted. Individuals will only qualify for good leaver treatment if they leave due
to&#x202F;ill-health, injury, disability, death, retirement (as agreed with NatWest Group), redundancy, the
employing company ceasing to be a member of NatWest Group, transfer of the employing business,
or any other reason if, and to the extent, the Committee decides in any case. Malus and clawback
provisions will continue to apply to all leavers, and could be used to adjust awards if subsequent
issues relating to executive directors&#x2019; performance come to light. In the event of a change of control,
outstanding awards will be treated in line with the provisions of the relevant plan rules, as approved
by shareholders.
Fixed share allowances
Shares will continue to be released over the applicable retention period helping to ensure that former
executive directors maintain an appropriate interest in shares. In all leaver circumstances, executive
directors will continue to be eligible to receive a pro-rated fixed share allowance to reflect the period
up to the termination date.
LTI awards (under the existing Policy)
LTI awards normally lapse on leaving unless the termination is for one of the specified good leaver
reasons. LTI awards held by good leavers will normally vest on the original vesting dates, subject to
the performance conditions being met and the rules of the relevant plan. No pro-rating applies after
grant for LTI awards granted from 2018 onwards.
The existing Policy allows good leaver retirement to be granted provided the individual is not leaving
to work in a capacity considered to be competing directly and materially with NatWest Group. The
new Policy introduces a more typical and less favourable definition of retirement that will not allow
good leaver retirement treatment where individuals take up a commensurate role elsewhere or a role
with a company providing banking services. The new Policy will also address the concerns from some
shareholders by introducing pro-rating for RSP awards in good leaver circumstances.
Annual bonus awards (for performance year 2022 and later years)
Any deferred bonus awards that are unvested will normally lapse on leaving unless good leaver
circumstances apply, in which case the awards will normally continue to vest on the original
vesting&#x202F;dates. Provided that individuals leave in good-leaver circumstances, they will be eligible
to be considered for an annual bonus award for their final year of employment.
RSP awards (for performance year 2022 and later years)
RSP awards that are unvested will normally lapse on leaving unless specified good-leaver
circumstances apply. For good leavers, awards are pro-rated for time served during the three-year
performance period and will normally continue to vest on the original vesting dates. Individuals will
not be eligible to be considered for an RSP award for the final year of employment.
Contractual provisions Contracts include standard clauses covering remuneration arrangements and discretionary incentive
plans (as set out in this report). The contracts also reference: reimbursement of reasonable out-of-
pocket expenses; annual leave; redundancy terms and sickness absence; the performance review
process; directors&#x2019; and officers&#x2019; insurance; the disciplinary procedure; and terms for dismissal in
the&#x202F;event of personal underperformance or breaches of NatWest Group&#x2019;s policies.
The Committee retains the discretion to make payments (including but not limited to professional
and&#x202F;outplacement fees) to: facilitate smooth handovers; mitigate against legal claims; and/or procure
reasonable assistance with investigations or claims, subject to any payments being made pursuant to
a settlement or release agreement.
The Directors&#x2019; Remuneration Policy continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 134 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g137.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Summary of proposed changes for executive directors
Under the new Policy, LTI awards will be replaced with annual bonuses and RSP awards. This will provide a more market-aligned
and competitive remuneration package for executive directors, while incentivising growth and the delivery of our purpose-led
strategy. It will also align more closely to shareholder expectations, with pro-rating applying to RSP awards in good leaver
circumstances and annual bonus outcomes being determined with reference to weighted performance measures and robust
strategic targets. RSP awards will contribute to nearly 67% of expected pay being delivered in shares, further supporting the
delivery of sustainable long-term performance. The fixed share allowance retention period will also be extended from three to
five&#x202F;years, further aligning remuneration to the long term. The pay levels under the Policy were decided after considering relevant
market positioning for similar roles at comparable financial services companies. They remain relatively modest compared to other
major UK bank peers. We selected performance measures for annual bonus and RSP awards to reflect a cross section of our main
strategic deliverables. There will be greater transparency on the link between performance and pay outcomes through weighted
annual bonus measures with non-financial targets being set to reflect our purpose-led strategy.
Other changes under the new Policy for executive directors
Performance conditions Leaver terms Shareholding requirement
While LTI awards under the existing Policy
are based on assessing performance in
the round, we will base bonus awards
under the new Policy on a weighted
scorecard of annual measures and targets
aligned with our strategic priorities.
Financial measures will account for
at&#x202F;least 50% of the bonus scorecard
supported by strategic and
personal&#x202F;measures.
RSP awards will be based on a simpler
pre-grant test than the existing Policy
with&#x202F;an underpin assessment at the end
of&#x202F;three years to ensure there are no
payments for failure.
As is currently the case, any outstanding
awards will be forfeited on leaving unless
the individual leaves for a specified good
leaver reason. Under the existing Policy
no pro-rating applies to LTI awards after
grant in agreed good leaver circumstances.
RSP awards under the new Policy
will&#x202F;be&#x202F;subject to pro-rating in good
leaver&#x202F;circumstances.
In addition, we will adopt a more typical
definition of &#x2018;retirement&#x2019;, that is more in
line with shareholder expectations and
does not allow good leaver status where
individuals take up a commensurate role
elsewhere or a role with a company
providing banking services.
Shareholding requirements will increase
from 400% of salary to 500% of salary for
the CEO and from 250% of salary to 300%
of salary for the CFO.
This increase recognises that
shareholders expect executive directors
to have significant shareholdings where
RSP constructs are being introduced.
The change moves NatWest Group
towards the highest levels of market
practice on shareholder requirements
and reinforces the long-term alignment of
executive remuneration with shareholders.
Changes to the policy for the Chairman and non-executive directors
We reviewed the remuneration policy for the Chairman and the non-executive directors during 2021, following which only one
change will be made. To recognise working practices have changed, and also to discourage unnecessary travel, the Board has
moved to a hybrid model whereby meetings take place both in person and remotely. The change under the Policy will allow the
Chairman and non-executive directors to receive assistance when they are attending Board meetings from another location,
including meeting any costs that are considered reasonable and appropriate. Arrangements will be considered on a
case-by-case basis.
The Committee retains discretion to make minor amendments to the Directors&#x2019; Remuneration Policy that reflect changing legal or
regulatory requirements or guidelines. We will not make any material changes to the advantage of directors without first reverting
to shareholders for approval.
NatWest Group plc &#x2013; Annual Report on Form 20-F 135 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g138.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The Directors&#x2019; Remuneration Policy continued
(1)  The charts above are for illustration only, with minimum representing fixed remuneration (base salary, fixed share allowance, pension and standard benefit funding).
(2)  The charts reflect remuneration receivable in the first year of the new Policy which, as noted earlier in this report, is being introduced on a phased basis. The maximum annual bonus
award will be limited to 85% of base salary in year one rising to 100% of base salary in year two. The maximum RSP award will be limited to 125% of base salary in year one rising to
150% of base salary in year two.
(3)  The expected value assumes annual bonus payments will be made at 50% of maximum opportunity and RSP awards will vest at 100% of maximum.
(4)  Maximum 1 in the charts assumes both annual bonus and RSP awards are paid and vest in full, at 100% of maximum. Maximum 2 extends this to show the impact of a 50% increase
in&#x202F;the share price for RSP awards over the period from grant to vest. The benefits figure includes standard benefit funding as outlined in the Policy but excludes any potential other
benefits under the Policy such as travel assistance in connection with company business. We will disclose the value of any taxable business expenses in the total remuneration table
each&#x202F;year.
Chief Executive Of&#xFB01;cer
(&#xA3;000&#x2019;s)
Chief Financial Of&#xFB01;cer
(&#xA3;000&#x2019;s)
Base salary Fixed share allowance Pension &amp; bene&#xFB01;ts Annual bonus RSP award (vesting value)
47%
47%
2,382
6%
26%
26%
11%
34%
4,262
3%
24%
24%
20%
29%
4,739
3%
21%
21%
17%
39%
5,440
2%
120%
Minimum Expected Maximum 1 Maximum 2
Fixed pay only Bonus and RSP at
constant share price
RSP at 50% share
price increase
47%
47%
1,633
6%
26%
26%
11%
33%
2,914
4%
24%
24%
20%
29%
3,239
3%
21%
21%
17%
38%
3,717
3%
Minimum Expected Maximum 1 Maximum 2
Fixed pay only Bonus and RSP at
constant share price
RSP at 50% share
price increase
Illustration of annual remuneration for executive directors under the new policy
NatWest Group plc &#x2013; Annual Report on Form 20-F 136 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g139.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Directors&#x2019; remuneration report
Aligning executive pay with ESG performance and our purpose-led strategy
Five principles of a purpose-led business
A guardian for
future generations
Honest and fair
with&#x202F;customers
and&#x202F;suppliers
A good citizen A responsible
and&#x202F;responsive
employer
Has a purpose which
delivers long-term
sustainable
performance
Variable
pay for
2022
Tackling climate
change is core to
our&#x202F;purpose.
Several climate
measures are
included in the
bonus&#x202F;scorecard for
executive directors.
The climate category
accounts for 10% of
annual bonus awards
for 2022. This
includes three
measures as follows:
1. Carbon emissions
from own operations
2. Funding and
financing committed
to climate and
sustainable finance
3. Develop climate
transition plan for
publication with
2022&#x202F;annual results.
Putting customers at
the heart of what we
do will help people,
families and
businesses to thrive.
We target customer
satisfaction and
the&#x202F;likelihood that
customers will
recommend our
brands in annual
bonus decisions.
A weighted Net
Promoter Score (NPS)
will account for 10%
of the annual bonus
awards for 2022.
RSP awards will also
be assessed to ensure
that performance has
been sustainable
before the vesting
takes place.
We can only deliver
on our purpose-led
strategy by
continuing and
deepening our
relationships with
all&#x202F;our stakeholders.
There are targets to
encourage and grow
businesses and to
increase financial
capability.
The Committee
has&#x202F;discretion when
making decisions to
ensure outcomes are
fair and appropriate.
Variable pay can
also be recovered
from individuals
if&#x202F;we believe the
payments are no
longer justified.
We are committed
to&#x202F;creating a diverse
workforce with
an&#x202F;equitable and
inclusive culture.
This will also help us
in serving our diverse
range of customers
and communities in
the ways they need.
There are targets
to&#x202F;increase the
percentage of
females and Black,
Asian and Minority
Ethnic colleagues in
the top layers of the
organisation.
Together the
Purpose, Culture
and&#x202F;People targets
account for 10% of
annual bonus awards
for 2022.
A very high proportion
of pay is delivered in
shares over many
years. This encourages
executive directors to
think and act in the
best long-term interests
of all our stakeholders.
10% of the 2022 annual
bonus award will be
based on maintaining
efficient and safe
levels&#x202F;of capital.
If risk performance is
not at the required
level, annual bonus
awards can
be&#x202F;adjusted.
RSP awards also take
financial and risk
considerations into
account prior
to&#x202F;vesting.
ESG
alignment
ESG
NatWest Group plc &#x2013; Annual Report on Form 20-F 137
In addition to considering financial measures, the process to determine variable pay for executive directors under the new Policy
will continue to reflect progress against our Environmental, Social and Governance (ESG) priorities. The combined bonus scorecard
for 2022 and the assessment of satisfactory performance under the RSP will align with the five principles of a purpose-led business,
as set out in the Blueprint for Better Business (BfBB) framework. The five principles form part of our purpose framework and you
can find more details of this on page 13 of the Strategic report in this document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g140.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Directors&#x2019; Remuneration Report continued
Our &#x2018;Colleague Listening Strategy&#x2019;
It is more important than ever that we listen to colleagues and use the insight we gain to attract, engage and retain the talent we
need for the future. This helps us improve by assessing colleague(1) sentiment and our progress in creating a great place to work.
Regular engagement  Colleague Advisory Panel (CAP)
  &#x2013; Twice a year, a colleague
opinion survey (Our View)
allows people to have a say
on what it feels like to work
at NatWest Group.
  &#x2013; Just over 46,700 (81%) of
our colleagues participated
in the latest survey
and&#x202F;there is regular
engagement throughout
the&#x202F;year.
  &#x2013; Question and answer
sessions take place
with&#x202F;senior executives
throughout the year.
  &#x2013; Feedback from colleagues
forms part of the People
and Culture measures
that&#x202F;impact executive pay.
  &#x2013; Engagement on
remuneration also takes
place with representatives
from Unite in Great Britain
and Offshore and the
Financial Services Union
in&#x202F;Northern Ireland and
the&#x202F;Republic of Ireland.
The CAP was established in 2018 to help us promote colleague voice in the boardroom. The CAP is
chaired by Lena Wilson, one of our non-executive directors, and allows colleagues to engage directly
with senior management and the Board on topics that are important to them. It includes colleagues
who volunteered to be involved, representatives from trade union bodies and works councils, the
colleague-led networks and junior management teams.
After each meeting, the Board receives a summary and a follow-up call is then held with the CAP
so&#x202F;that CAP members can hear how their views were shared and what happened as a result. The
CAP continues to be highly regarded by those who attend and has proven to be an effective way
of&#x202F;establishing two-way dialogue between colleagues and Board members. In November 2021, the
Committee Chairman met with the CAP to discuss executive and wider workforce remuneration.
There was a focus on fairness, simplicity, transparency and inclusion which runs through all
colleague remuneration.
Members were appreciative of the presentation, saying it was a very clear explanation of NatWest
Group&#x2019;s approach to remuneration. They were keen to see how our Fair Pay Charter could receive
a higher profile and also discussed NatWest Group&#x2019;s approach to salary increases and the impact
of&#x202F;the rising cost of living. The Committee Chairman explained that the combination of inflation and
higher living costs was something employers had not faced for some time. The COVID-19 pandemic
had also had a significant impact across society. Economic factors alongside the external pay
market and longer-term business affordability would all need to be taken in to account when
deciding our investment in fixed pay.
Climate was the overall theme of the November meeting and the Committee Chairman referred
to&#x202F;this in his presentation. He highlighted that executive directors had specific performance goals
and measures linked to climate cost, our climate footprint and colleague feedback, all of which was
considered when deciding their pay awards. New ways of working were also discussed, and the
Group Chief People and Transformation Officer highlighted that focus groups were being run to
understand the cost impact of working from home.
A number of actions were agreed at the meeting for further consideration and the Chair of the
CAP&#x202F;provided the Board with an update on the feedback received from colleagues.
(1)  Colleagues means all employees and, in some instances, other members of the wider workforce (including contractors and agency workers).
NatWest Group plc &#x2013; Annual Report on Form 20-F 138 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g141.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our View survey
The Our View colleague opinion survey compares responses from colleagues at NatWest Group against those from other
companies, known as the Global Financial Services Norm (GFSN). In general, the scores from the Reward category in Our
View&#x202F;have declined over the last year although they remain above the GFSN in all but one category. The reduction in scores was
anticipated as the impact of the global pandemic on our financial performance meant investment in fixed pay was constrained last
year and our bonus pool was reduced. Some colleagues also felt they had limited opportunity over the last year to use some of the
benefits they had purchased under our benefit scheme.
2021 favourable
score
Versus
2020
Versus
GFSN
Total Reward(1) 76 -4 +4
Colleagues who think they are paid fairly for the work they do 67 -6 +4
Understand how their pay is determined 87 -2 +13
Understand how their bonus is determined 72 -5 -5
Believe NatWest Group&#x2019;s benefit programme fits their needs 80 -1 +5
Manager regularly gives them recognition for work well done 87 no change +5
(1)  NatWest Group Our View scores for 2021 exclude Ulster Bank RoI.
Pay gaps and pay ratio disclosures
Pay equality, including neutrality in respect of protected characteristics, is a core feature of our approach, to support equal pay for
equal work. You can find the latest gender and ethnicity pay gap reporting for NatWest Group together with the steps being taken
to address the position in the &#x2018;Our Colleagues&#x2019; section of the Strategic Report and at natwestgroup.com. You can also see the
CEO-to-employee pay ratios and further information on remuneration for the wider workforce later in this report.
Further information on our wider workforce approach.
Fair reward is one of the key things we are committed to in order to provide a great place to work for everyone. Our Fair Pay
Charter is one of the ways we do this and you can find further information on our approach in our ESG Supplement. The &#x2018;Our
Colleagues&#x2019; section of the Strategic Report also sets out how we helping colleagues to thrive and realise their potential, how
we&#x202F;support their wellbeing and how we create a diverse, equitable and inclusive culture.
How we align wider workforce and executive pay
Consistent with our approach to executive pay, our remuneration policy for all colleagues aims to be simple, transparent and
to&#x202F;promote the long-term success of NatWest Group. It encourages a culture where individuals are rewarded for sustained
performance in line with risk appetite and for demonstrating the right behaviours. These principles apply to everyone with
adjustments made where necessary to comply with local requirements. As set out on the previous page, the Committee Chairman
met with colleagues through the CAP in November 2021 to discuss how we take a consistent approach to workforce remuneration.
He also highlighted some of the challenges being faced with the existing Policy for executive directors. The proposed introduction
of&#x202F;annual bonus for executive directors under the new Policy will create closer alignment with the remuneration construct for the
wider workforce. A significant proportion of our colleagues are eligible to receive annual bonus awards, subject to performance.
NatWest Group plc &#x2013; Annual Report on Form 20-F 139
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g142.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">All colleagues Certain colleagues depending on location, grade or job Senior executives only
Base salary and
pension funding
Benefits and share
plans Role-based allowances Annual bonus RSP awards
A competitive level of
salary paid in cash and
reviewed annually. Set
to reflect the talents,
skills and competencies
that the individual brings
to the business.
Additional funding
is&#x202F;provided which
colleagues can use
to&#x202F;save in a company
pension scheme.
Colleagues in the UK
receive pension funding
at 10% of base salary.
The same rate applies
to&#x202F;executive directors.
Rates in other locations
reflect market practice
in those locations.
Some colleagues receive
funding which they can
use towards the cost of
benefits or take as cash.
Benefits offered include
private medical cover,
dental cover, personal
accident insurance, life
assurance and critical
illness insurance.
Individuals in some
jurisdictions can also join
share plans, providing
an efficient way to buy
NatWest Group plc
shares and align their
interests with our
shareholders.
Role-based allowances
reflect the skills and
experience required
for&#x202F;certain jobs.
These are part of
fixed&#x202F;remuneration for
regulatory purposes.
They are delivered in
cash and/or shares
depending on the level
of the allowance and the
seniority of the recipient.
Shares are released
in&#x202F;instalments over a
minimum three-year
period with a five-year
period applying to
executive directors.
This is a way of
rewarding individuals
for superior
performance.
The annual bonus pool
is based on a balanced
scorecard of measures
across our core
strategic areas
and&#x202F;our&#x202F;purpose.
Allocation from the
pool depends on the
performance of the
business area and
the&#x202F;individual.
Awards are made in
cash and/or shares
with larger amounts
paid out over
several&#x202F;years.
These encourage a
sustainable long-term
performance.
Awards are delivered
entirely in shares to provide
direct alignment with our
shareholders. We carry out
performance checks prior
to grant and again after
three years to ensure
satisfactory and sustained
performance has been
achieved.
Awards are paid out in
equal amounts across years
three to seven following
grant, followed by a
12-month retention period.
RSP participants are also
subject to shareholding
requirements.
Fixed pay Variable pay
To drive consistency, we have agreed a set of NatWest Group-wide Remuneration Policy
Principles which are designed to:
1.  support a performance culture &#x2013; we recognise colleagues&#x2019;
skills and experience, the responsibilities of their job and
their geographic location. Ultimately, we &#x2018;pay for
performance&#x2019;, underpinned by a robust performance
management process;
2.  be market facing &#x2013; we benchmark ourselves against a core
peer group and ensure our pay is fair, competitive and
affordable; and
3.  ensure compliance and governance &#x2013; our reward
design&#x202F;must be within policy, meet the expectations and
requirements of our regulators and be appropriately aligned
with the expectations of our shareholders and customers.
  &#x2013; A simple and transparent pay policy supports colleagues in
doing the right thing.
  &#x2013; Our more junior colleagues are typically paid through
fixed&#x202F;pay only, which was increased when variable pay
was&#x202F;removed.
  &#x2013; This provides them with greater security and allows them
to&#x202F;fully focus on the needs of the customer.
Pay for executive directors is aligned with the wider workforce, with two main differences:
i.  the use of RSP awards; and
ii.  a requirement to maintain a holding of shares in NatWest Group, both during and after employment.
These differences are deliberate and recognise that it is in the best interests of our stakeholders for executive directors to have
a&#x202F;significant proportion of their remuneration paid in shares and subject to long-term holding requirements.
Base
Salary
Pension &amp;
Benefit
Funding+
Role-based
Allowances
Annual Bonus
RSP Awards
The Directors&#x2019; remuneration report continued
+ Benefit funding
applies to
certain&#x202F;jobs
Provided to some
Material Risk
Takers (MRTs) only
Mainly manager grade and
above (including executive
directors under the new Policy).
Executive directors and
potentially some of the
CEO&#x2019;s&#x202F;direct reports.
NatWest Group plc &#x2013; Annual Report on Form 20-F 140 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g143.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Our approach to the UK Corporate Governance Code (the &#x2018;Code&#x2019;)
This table supplements other information in this report by demonstrating some of the ways in which we meet the requirements and
spirit of the Code. We continue to monitor and reflect on best practice when developing our remuneration practices. By introducing
weighted annual bonus measures, rather than assessing performance in the round, the new Policy for executive directors creates a
more direct link between the delivery of our strategy and pay and performance outcomes. We consider both the outcomes and how
they have been achieved to encourage and reward behaviours in line with our values. Malus and clawback provisions together with
long holding periods reinforce the need for recipients to act in the best interests of our stakeholders.
Provision Our approach
Review workforce
remuneration
and&#x202F;alignment
with&#x202F;culture&#xA0;
  &#x2013; Every year we consider how pay has been distributed across NatWest Group, analysing performance ratings
by grade and diversity categories. Checks are in place to ensure decisions are made fairly.
  &#x2013; Over the last year, we also offered colleagues the opportunity to join Sharesave in the UK, Poland and India.
This simple savings plan encourages colleagues to think about their financial wellbeing and provides an
option to buy shares and align their interests with our shareholders.
  &#x2013; We also review the annual spend on fixed pay (approximately two-thirds of the workforce receive fixed pay
only). We have targeted recent increases towards our most junior and lowest-paid colleagues, areas where
specialist skills are required leading to high attrition rates and those lowest in their salary range.
  &#x2013; The Committee also approves, and reviews the implementation of, the Group-wide remuneration policy
principles, and approves the bonus pool for bonus-eligible colleagues across the wider workforce.
  &#x2013; Targets exist to help build colleagues&#x2019; capability, strengthen our culture and build a diverse workforce within
an inclusive environment. These form part of the performance measures that are aligned with our strategy
and affect the pay of executive directors and bonus-eligible colleagues.
  &#x2013; An accountability review process allows us to respond where new information would change our variable
pay decisions. The Committee works closely with other Board Committees to consider how to reflect
progress on culture in remuneration.
  &#x2013; The governance of culture is clearly laid out with specific Senior Management Function roles having defined
accountabilities, which are taken into account in determining pay decisions for such roles.
When determining
the executive
director
remuneration
policy, we consider
factors including
clarity, simplicity,
risk, predictability,
proportionality and
alignment to culture
  &#x2013; Most of the remuneration for executive directors is share-based and subject to deferral and retention
requirements, creating significant alignment with our shareholders.
  &#x2013; There is clarity for executives on how performance will be assessed and the behaviours expected of them.
We provide detailed disclosure on decisions made to give our shareholders transparency.
  &#x2013; We take risk into account at various stages of the performance assessment process, with underpins and
malus and clawback provisions providing us with further tools to adjust awards, if necessary.
  &#x2013; Variable pay cannot be awarded above the level of fixed pay. We believe that this is a restrained and
proportionate approach to executive remuneration. RSP awards will be subject to a satisfactory and
sustainable level of performance having been achieved, having regard to our purpose-led strategic goals.
RSP awards will also be deferred over many years to encourage long-term thinking.
Discretion   &#x2013; We can apply discretion under our share plan rules where appropriate. The Committee has in the past
applied downwards discretion in determining variable pay outcomes and did so again this year in respect
of&#x202F;the 2019 LTI awards due to vest in March 2022.
  &#x2013; The Committee can also determine whether an individual would qualify as a good leaver on departure and,
subject to meeting any regulatory requirements, decide that awards held by good leavers should vest earlier
than the normal vesting date.
  &#x2013; Discretion is only used to ensure a fair outcome. We will disclose any use of discretion.
  &#x2013; Further discretions include the ability to: treat variable pay awards in a range of ways in the event of a
change of control, but only within the terms of the share plan rules approved by shareholders; change any
performance measures, targets, and adjust awards if major events occur.
Scope to adjust
variable pay
through malus
and&#x202F;clawback
  &#x2013; Malus allows us to reduce the amount of any unvested variable pay awards, potentially to zero, prior to
payment. Clawback allows the recovery of variable pay awards that have already vested.
  &#x2013; The circumstances in which NatWest Group may apply malus or clawback include:
  &#x2013; conduct which results in significant financial losses for NatWest Group;
  &#x2013; an individual failing to meet appropriate standards of fitness and propriety;
  &#x2013; an individual&#x2019;s misbehaviour or material error;
  &#x2013; NatWest Group or the individual&#x2019;s business unit suffering a material failure of risk management; and
  &#x2013; for malus and in-year bonus reduction only, circumstances where there has been a material downturn in
financial performance.
  &#x2013; This list is not exhaustive and further circumstances may be considered where appropriate.
NatWest Group plc &#x2013; Annual Report on Form 20-F 141
         &#x2013; We have set out scenarios of the possible rewards to executive directors under the new Policy on page 136
    of this document along with the impact of a 50% share price appreciation over the performance period for
    RSP awards. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g144.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Annual remuneration report
Annual
remuneration report
Single total figure of remuneration for executive directors for 2021 (audited)
Alison Rose  Katie Murray
2021
&#xA3;000
2020
&#xA3;000
2021
&#xA3;000
2020
&#xA3;000
Base salary 1,100 1,100 750 750
Fixed share allowance(1) 1,100 674 750 750
Benefits(2) 81 81 30 47
Pension(3) 110 110 75 75
Total fixed remuneration 2,391 1,965 1,605 1,622
Annual bonus n/a n/a n/a n/a
Long-term incentive award(4) 1,197 650 &#x2013; &#x2013;
Total variable remuneration 1,197 650 &#x2013; &#x2013;
Total remuneration 3,588 2,615 1,605 1,622
(1)  The fixed share allowance is based on 100% of salary and, as part of fixed remuneration, is not subject to any performance conditions. In April 2020, Ms Rose announced she would
forgo 25% of her fixed pay for the rest of the year. A reduction of &#xA3;426,078 was applied to her fixed share allowance and NatWest Group made a comparable donation to the NET
Coronavirus Appeal.
(2)  Includes standard benefit funding at &#xA3;26,250 per annum. In addition, Ms Rose received travel assistance in connection with company business (&#xA3;25,314) and assistance with home
security (&#xA3;29,703). Ms Murray also received travel assistance (&#xA3;990) and home security arrangements (&#xA3;2,519) for 2021.
(3)  The executive directors receive a monthly cash allowance and can choose to participate in the company&#x2019;s defined contribution pension arrangements.
(4)  The 2021 value for Ms Rose relates to an LTI award granted in 2019, prior to becoming an executive director. The Committee assessed performance prior to vesting as set out below
and on the next page. No discretion was exercised as a result of the share price changing over the performance period. Ms Murray was not eligible for an LTI award in 2019.
Vesting of 2019 LTI award (audited)
The table summarises the number of shares due to vest to Ms Rose following the pre-grant and pre-vest performance assessments
and the estimated vesting value for the 2019 LTI award, shown in the single total figure of remuneration above. No dividend
equivalents were paid prior to vesting.
Alison Rose
2019 LTI award
Maximum shares
at grant
Reduction at
pre-grant test
Shares granted Further
reduction at
pre&#x2013;vest test
as a percentage
of original
maximum
Shares to vest
644,672 c.11.76% 568,829 5% 536,595
Maximum value
at grant
Reduction in
value from
pre-grant test
Value of Shares
granted
Reduction in
value at pre-vest
test
Reduction due to
fall in share price
Vesting value(1)
&#xA3;1,700,000 &#xA3;200,000 &#xA3;1,500,000 &#xA3;85,000 &#xA3;218,000 &#xA3;1,197,000
(1)  Share price at grant was &#xA3;2.637 and the vesting value was based on share price of &#xA3;2.23, the average over the three-month period from October to December 2021.
NatWest Group plc &#x2013; Annual Report on Form 20-F 142 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g145.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">2019 LTI award &#x2013; Pre-vest performance assessment framework
LTI awards were made in early 2019 following an assessment of performance over the 2018 financial year. Before vesting, the
Committee carries out a further review to consider whether anything has come to light which might call the original award into
question. Internal control functions and PwC, as independent advisers, the Group Board Risk Committee (BRC) and the Group
Sustainable Banking Committee (SBC) support the Committee in this assessment, with the outcome set out below.
Looking back to performance for 2018 and &#x2018;knowing what we know now&#x2019;, has NatWest Group
1. Remained safe and
secure, taking into
account financial results
and the capital position?
Has NatWest
Group breached
a minimum
capital ratio over
the period?
NO
NatWest Group
has remained
well&#x202F;capitalised
since 2018.
YES
Has there been
a material fall
in&#x202F;the NatWest
Group share
price over
the&#x202F;period?
NO
The share price
has risen by
4%&#x202F;since the
end&#x202F;of 2018.
Has Net
Promoter Score
(NPS) fallen
across the
business?
NO
for six segments.
YES
for one of the
five&#x202F;targeted
customer brands.
Have there
been&#x202F;indicators
of a material
deterioration in
the risk culture
or profile, taking
into account
annual
assessments by
the Risk function
and the BRC?
NO
No material
deterioration
in&#x202F;risk culture or
profile since 2018.
Has the
Financial
Services Culture
Board (FSCB)(1)
survey position
fallen materially?
NO
Scores improved
consistently
since&#x202F;2018.
Have colleague
engagement
scores fallen
materially?
NO
Engagement
Index has
increased
since&#x202F;2018.
NO
2. Been a good bank for
customers taking into
account customer and
advocacy performance?
3. Operated in an
environment in which risk
is seen as part of the way
we work and think?
4. Operated in a way that
reflects its stated values?
Core questions
Where the answer is &#x2018;Yes&#x2019;, three further questions are considered:
1.  Is the underperformance due to factors within management&#x2019;s reasonable control in the circumstances?
2.  Can the underperformance be linked back to the performance year to which the award relates, rather
than to performance developments since?
3.  Is it appropriate to reflect the underperformance in the current pre-vest test (i.e. if the underperformance
has not been adequately reflected in other ways such as subsequent pre-grant tests for awards granted in
the interim)?
If the answer to each of these questions is &#x201C;Yes&#x201D;, the Committee may decide that a further adjustment prior
to vesting is appropriate, and it has the discretion to decide the amount.
Further analysis
The areas of customer and risk were investigated with a specific focus on Financial Crime (FC) remediation.
  &#x2013; Supported by external opinion, we concluded that while NPS had declined within Ulster Bank ROI over the
period, it was not considered to be due to factors which related to the 2018 award year or were within
management&#x2019;s reasonable control.
  &#x2013; Although on risk there had been no material deterioration in risk culture or profile over the period, it was
felt appropriate that the management performance relating to FC remediation should be assessed using
the Risk &amp; Control underpin.
(1)  FSCB was formerly the Banking Standards Board. NatWest Group will cease to take part in the FSCB survey from 2022. Going forwards the LTI
pre&#x202F;vest test culture assessment will be assessed using Our View; NatWest Group&#x2019;s internal colleague opinion survey.
Achievement of
&#x2018;threshold level
of&#x202F;sustainable
performance&#x2019; has
been evidenced.
No adjustment
proposed, subject
to the underpins
below.
Evidenced
by
Analysis
Potential underperformance?
NatWest Group plc &#x2013; Annual Report on Form 20-F 143 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g146.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">BRC assessment and recommendation to invoke the Risk &amp; Control underpin
Following a detailed investigation by management, the BRC concluded that, while management had taken significant action to drive
delivery of the FC remediation programme, there had not been a full appreciation of the scale, complexity and interdependencies of
the programme at the time of the 2019 LTI grant which had resulted in technology and programme delays. This had led to target
dates being pushed out for critical deliverables to return within risk appetite, with such delays not being fully reflected at grant or
in&#x202F;subsequent grants. Following the steps above, the BRC recommended that the Committee consider applying the Risk &amp; Control
underpin for the 2019 LTI awards.
Assessment by the Committee and final outcome (audited)
After considering the Risk &amp; Control underpin and the organisational significance of the FC remediation programme alongside
the&#x202F;Group&#x2019;s other priorities and performance in 2018, the Committee agreed that the awards of three individuals holding 2019 LTI
awards would be adjusted. Ross McEwan was viewed as having supervisory responsibility for the delivery of the FC remediation
programme and Alison Rose was considered to have had joint primary responsibility for the delivery of the programme, during
2018. The third individual, who is not currently an executive director and has not held such a role in the past, was also considered
to have joint primary responsibility for the programme in 2018. The Committee considered at length the differing level of
involvement of and responsibilities held by the three individuals, to ensure that fair and proportionate adjustments were made.
Mr McEwan received an LTI award of 625,712 shares out of a maximum of 663,633 shares in 2019 after the application of the
pre-grant performance assessment. Under the pre-vest assessment above, a further reduction of 5% of the maximum award was
applied using the Risk &amp; Control underpin, resulting in a balance of 592,530 shares. Ms Rose received a 2019 LTI award of 568,829
shares following the pre-grant test, representing a 11.76% reduction from the maximum possible award. The Committee and the
Board agreed that a further reduction of 5% of Ms Rose&#x2019;s 2019 LTI maximum award level would be appropriate using the Risk &amp;
Control underpin, resulting in a balance of 536,595 shares. Applying a consistent reduction for Mr McEwan and Ms Rose was
considered to be appropriate as whilst Mr McEwan was not primarily responsible for the delivery of the programme, he continued
to play a significant role as Group CEO and was expected to provide clear line manager direction and oversight given the
importance of the FC remediation programme. These pre-vest reductions to the 2019 LTI awards of Mr McEwan and Ms Rose
resulted in a total reduction, based on their respective maximum 2019 LTI awards, of 11% for Mr McEwan and 17% for Ms Rose.
Further details on Mr McEwan&#x2019;s arrangements can be found in the payments to past directors&#x2019; section.
Scheme interests &#x2013; LTI awards granted during 2021 (audited)
Grant date Face value Award
price
Shares
awarded(1) Vesting levels Performance requirements
Alison Rose  &#x2013; &#x2013; &#x2013; &#x2013;
Between 0%
&#x2013; 100% with
no set
minimum
vesting
The award was subject to a pre-grant assessment of
performance over 2020. A further assessment will take
place following the end of the 2023 financial year to
check that nothing has come to light that would
change the original decision. This assessment will
operate in a similar way to the framework for the 2019
LTI award pre-vest assessment, as set out above.
Katie
Murray
8 March
2021
&#xA3;682,000 &#xA3;1.6746 407,262
(1)  An indicative PY 2020 award of &#xA3;899k was approved in principle for Ms Rose. However, as Ms Rose confirmed in April 2020 that she did not wish to be considered for a 2021 LTI
award, due to the impact of COVID-19, she declined this award. The conditional share award granted to Ms Murray equates to c.91% of base salary. The number of shares was
calculated taking into account performance and the maximum potential award for Ms Murray. The award price was based on the average share price over five business days prior
to&#x202F;grant. Subject to the pre-vest assessment, these awards will vest in equal amounts between years 2024 and 2028. Service conditions and malus provisions apply up until vest, and
clawback provisions apply for a period of at least seven years from the date of grant.
Pre-grant assessment of performance in 2021 (for LTI awards to be granted in 2022)
For each of the core performance areas, the Committee considers whether the executive directors have achieved what would
reasonably have been expected of them over the performance year prior to grant. We use a robust process to review performance
against pre-set goals relevant to NatWest Group&#x2019;s strategic aims for that year, but apply our judgment without a formulaic range
for vesting or mechanistic weightings. Risk &amp; Control and Stakeholder Perception underpins also apply, under which we can
consider if there are any other factors that would lead to a downwards adjustment. The CFO&#x2019;s performance was assessed in line
with the framework set out below and also with reference to the performance of the Finance function.
Annual remuneration report continued
Risk &amp; Control and Stakeholder Perception underpins
We use the underpins to give us scope to consider significant risk, stakeholder or reputational matters not already captured
in&#x202F;the performance assessment, taking into account advice from the BRC and the SBC. We can use the underpins to consider
events arising during the period between grant and the end of year three. Having reviewed the facts relating to management
performance with regard to FC remediation, and recognising its significance, BRC agreed it would be appropriate for the
Committee to consider an adjustment to 2019 LTI vest levels.
NatWest Group plc &#x2013; Annual Report on Form 20-F 144
A further performance assessment will take place in early 2025 before any vesting takes place. This will operate in a similar way to
the pre-vest framework in place for the 2019 LTI awards, as described in detail on page 143 of this document. It will consider
whether anything has come to light that would indicate the assessment below did not represent a correct view of performance at
that time. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g147.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Core strategic
areas
Measures and targets to assess pre-grant
performance Performance against targets for 2021  Ratings
Scorecard
Financial &amp;
Business Delivery
Purpose
alignment
Has a purpose
which delivers
long-term
sustainable
performance
Run a safe and secure bank
Achieve cost reduction target by reducing
other expenses, excluding operating lease
depreciation, by around 4% in comparison
to&#x202F;2020. Priority
Achieve CET1 ratio targets for NatWest
Group of 15.3% and NWH Group of 14.5%,
with appropriate repatriation of capital to
NatWest Group. Priority
Above market rate net lending growth
across&#x202F;the retail and commercial businesses,
excluding UK Government financial support
schemes. Increase focus on climate lending.
Priority
Achieve RoTE target of 0.8% for NatWest
Group. Progress towards execution of
the&#x202F;NatWest Markets strategic review by
achieving the majority of the remaining RWA
reduction towards our medium-term target of
&#xA3;20 billion by the end of 2021. Priority
NatWest Group cost savings were &#xA3;256 million or
4.0% meaning the target has been met.
NatWest Group CET1 was 18.2% at year end and
exceeded the target. In the year, NatWest Group
made significant shareholder distributions. NWH
Group CET1 was 15.9% with appropriate capital
repatriation to NatWest Group, which also
exceeded the target.
Across the UK and RBSI retail and commercial
businesses, and excluding UK Government
support schemes, net lending increased by 2.6%.
Mortgage growth exceeded the market, however
commercial lending was behind market as we
have sought to reduce certain exposures, through
targeted sector reductions and capital actions,
whilst continuing to focus on supporting
customers through sustainable lending.
Significant outperformance on RoTE which was
9.4% for the year, benefiting from a significant
impairment release.
NatWest Markets did not achieve its 2021 RWA
reduction target.
Partially
met
Scorecard
Risk &amp; Control
Purpose
alignment
Has a purpose
which delivers
long-term
sustainable
performance
Maintain a robust control environment
NatWest Group and NWH Group to achieve
a&#x202F;control environment rating of &#x2018;2&#x2019;, with
evidence to support progress against
regulatory responsibilities and priorities.
Compliance with minimum controls under
ring-fencing rules.
Priority
The control environment rating across NatWest
Group and NWH Group remained a &#x2018;3&#x2019;, meaning
the target was not met.
NatWest Group is materially compliant with
ring-fencing requirements. Internal arrangements
including frameworks, processes and controls
have been developed to facilitate demonstration
of compliance with the ring-fencing regime
Not met
Material progress towards our desired
risk&#x202F;culture
NatWest Group and NWH Group to each
achieve a &#x2018;2&#x2019; systematic risk culture rating
as&#x202F;a minimum, with key Enterprise Wide
Risk&#x202F;Management Framework (EWRMF)
milestones delivered and decisions made
through application of a &#x2018;purpose&#x2019; lens.
Priority
NWH Group risk culture has improved to
systematic. However at NatWest Group level, risk
culture is still assessed as being proactive and as
such the target has not been met.
Group key risk policies and key components of the
non-financial risk framework were delivered for
implementation on 1 January 2022 meaning the
EWRMF element of the risk culture measure was
achieved in line with target.
Partially
met
Scorecard
Customer &amp;
Stakeholder
Purpose
alignment
Honest and fair
with customers
and suppliers
A good citizen
Meaningful increase in customer advocacy
Achievement of targets across the top four
customer journeys prioritised for 2021.
Aiming for Net Promoter Score (NPS)
improvement of:
  &#x2013; Six points for NatWest Account Opening
or&#x202F;be fourth or better;
  &#x2013; Two points for NatWest Commercial
Lending;
  &#x2013; Two points for NatWest Day-to-Day
Business Servicing.
Maintain NPS for NatWest Mortgages or
be&#x202F;second or better.
As at Q3 2021, customer NPS performance was
positive with targets met for two out of four
customer NPS journeys.
NatWest Account Opening NPS exceeded target
by six points, up 12 points year on year and
ranking third.
NatWest Lending NPS missed target by one point.
NatWest Day-to-Day Business Servicing has
exceeded its target by five points.
NatWest Mortgages NPS missed its target as a
result of dropping one point and dropping one
place to third.
Partially
met
NatWest Group plc &#x2013; Annual Report on Form 20-F 145 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g148.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Core strategic
areas
Measures and targets to assess pre-grant
performance Performance against targets for 2021 Ratings
Increase the likelihood that customers will
recommend our brands
Achievement of NPS targets for our core customer
facing businesses. Priority
Aiming for NPS improvement of:
  &#x2013; One point for NatWest Retail Main Bank or be fifth
or better;
  &#x2013; Four points for NatWest Business Banking and be
third or better; and
  &#x2013; Five points for Mid-Markets NPS or be first by
five&#x202F;points.
As at Q3 2021, customer NPS
performance has been positive with
targets met or exceeded for two out of
the three core customer facing businesses.
NatWest Retail main bank NPS exceeded
its target by five points, up six points year
on year. NatWest is now ranked third
compared to equal seventh a year&#x202F;ago.
NatWest Business Banking NPS missed
its target by two points and continues
to&#x202F;be ranked third. After a strong start
to&#x202F;the year, NPS flattened following
NatWest Group asking customers to pay
back their loans (in line with approach
advised by the Government), which
contributed to a change in sentiment.
NatWest Business Mid-Markets NPS
increased by four points but met target
by regaining first position and its lead
over the next best competitor.
Partially
met
Improve the financial capability of our customers,
colleagues and communities
Aiming to help an additional 500,000 customers to
start saving at least &#xA3;100. Priority
NatWest Group to reach 3.2 million individuals
through agreed financial capability interactions.
We have supported an additional
471,000 customers to start saving
at&#x202F;least &#xA3;100.
We have reached 6.1 million individuals
through financial capability interactions.
Partially
met
Remove barriers to UK enterprise growth
Support removal of barriers to UK enterprise growth
through networking and funding interventions.
Support 35,000 businesses through enterprise
programmes with 200,000 customer interactions to
help them start, run and grow a business. Priority
Support to be distributed:
  &#x2013; 75% to UK regions outside London and the
South&#x202F;East;
  &#x2013; 60% to females;
  &#x2013; 20% to Black, Asian and Minority Ethnic
individuals; and
  &#x2013; 10% to people intending to create
purpose-led businesses.
NatWest Group supported c.54,500
businesses through enterprise
programmes with c.200,000(1)
customer&#x202F;interactions focused on
supporting businesses to start, run
and&#x202F;grow. Support was distributed:
  &#x2013; 79% to UK regions outside London
and&#x202F;the South East;
  &#x2013; 60% to females;
  &#x2013; 26% to Black, Asian and Minority
Ethnic individuals; and
  &#x2013; 52% to people intending to create
purpose-led businesses.
Met
A guardian for
future generations
To be a leading bank in helping to address the
climate challenge
Progress towards Climate Positive own operations
by&#x202F;2025. Reduce carbon emissions from our direct
operational footprint by 25% of NatWest Group&#x2019;s
2019 baseline position.
Providing &#xA3;8 billion of funding and financing for
climate and sustainable finance in 2021.
Complete footprint estimate of 2019 total financed
emissions. Develop estimates aligned with the 2015
Paris Agreement for a further four sectors. Priority
Progress has continued to be made
against the carbon emissions target,
with&#x202F;NatWest Group exceeding the
target with a 46% reduction in
emissions&#x202F;in 2021.
Funding and financing for climate and
sustainable finance totalled &#xA3;17.5 billion,
meaning the target has been exceeded.
NatWest Group has completed its footprint
estimate of 2019 total financed emissions.
We developed 2019 financed emissions
estimates for a further eight sectors,
meaning the target has been&#x202F;exceeded.
Exceeded
(1)  Represents approximate number of interactions delivered by enterprise programmes during 2021 which is based upon data provided by third parties delivering these interactions
without further independent verification by NatWest Group.
Annual remuneration report continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 146 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g149.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Core strategic
areas Measures and targets to assess pre-grant performance Performance against targets for 2021 Ratings
Scorecard
People &amp; Culture
Purpose
alignment
A responsible
and&#x202F;responsive
employer
Build the capability of our colleagues to realise
their&#x202F;potential.
Achieving the capability targets as measured through
the &#x2018;Our View&#x2019; colleague survey, NatWest Group to be
15 points above and NWH Group to be 16 points above
the Global Financial Services Norm.
NatWest Group and NWH Group
building capability scores both
missed&#x202F;the target by one point.
Not met
Build up and strengthen a healthy culture.
Achieving the culture targets as measured through the
Our View colleague survey. NatWest Group to be seven
points above and NWH Group to be eight points above
the FSCB. Priority
NatWest Group and NWH Group
culture scores both exceeded
the&#x202F;target by two points.
Exceeded
Embed our shared purpose across the business
and&#x202F;brands
Achieving the shared purpose target as measured
through the &#x2018;Our View&#x2019; colleague survey. NatWest
Group and NWH Group to be six points above the
FSCB. Priority
NatWest Group and NWH Group
shared purpose scores exceeded
the&#x202F;target by three points and four
points&#x202F;respectively.
Exceeded
A diverse workforce and inclusive environment
To increase the percentage of females in the top three
layers of NatWest Group from 39% to 40% on aggregate.
To increase the percentage of Black, Asian and
Minority Ethnic UK employees in the top four layers
of&#x202F;NatWest Group from 10% to 11% on aggregate.
Achieving the inclusion target as measured through the
&#x2018;Our View&#x2019; colleague survey. NatWest Group and NWH
Group to be 13 points above the Global Financial
Services Norm.
The percentage of females in top
three layers of NatWest Group, in
aggregate, increased from 39% to 40%
as at Q3 2021, meaning the target has
been met.
The percentage of Black, Asian and
Minority Ethnic UK employees in the
top four layers of NatWest Group, in
aggregate, increased from 10% to 11%
as at Q3 2021, meaning the target has
been met.
The NatWest Group and NWH Group
inclusion index scores both exceeded
target by one point.
Met
Outcome of the pre-grant assessment for LTI awards to be granted in 2022 (audited)
In assessing performance against the above framework, the Committee also received advice from the BRC and the SBC in
making&#x202F;its final assessment. As part of its &#x2018;performance in the round&#x2019; judgment, the Committee noted that targets had been met
or&#x202F;exceeded for five of the areas above, while five were partially met and two were missed, albeit narrowly in both cases. The
highlighted priority measures were a key focus for the Committee as it applied its judgment to assess performance for the year.
Alison Rose (audited)
Turning to individual performance, Ms Rose was considered to have had a strong year. NatWest Group&#x2019;s underlying financial
performance was viewed as strong, which had resulted in significant shareholder distributions across 2021. Progress had been
made against NatWest Group&#x2019;s Enterprise and Climate goals and NatWest Group&#x2019;s contribution to COP26 was considered to have
been strong. People scores remained strong, despite a marginal &#x2018;miss&#x2019; on building capability, and Customer scores were improved
in most areas. NatWest Group continued to be behind target on its Risk performance, although progress had been made in some
areas. Taking into account performance against the core goals as set out above, the Committee agreed an LTI award level of
&#xA3;1,598,000 would be appropriate, which represents 145% of salary and 83% of the maximum LTI award. In order to ensure parity
of&#x202F;treatment with the wider workforce, the LTI outcome reflected an adjustment to mirror the downward adjustment to the 2021
bonus pool for the fine imposed by the FCA on NatWest Bank Plc for breaches of the Money Laundering Regulations 2007 and
ongoing FC remediation considerations.
NatWest Group plc &#x2013; Annual Report on Form 20-F 147 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g150.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Katie Murray (audited)
Maximum award
Reduction
for pre- grant
performance
 LTI award to be
made in 2022
Award level agreed
by Committee
(% of maximum)
Alison Rose &#xA3;1,925,000 &#xA3;327,000 &#xA3;1,598,000 83%
Katie Murray &#xA3;1,500,000 &#xA3;442,500 &#xA3;1,057,500 71%
Remuneration for the Chairman and non-executive directors
A change was made to the level of fees for the Group Performance and Remuneration Committee, with the Committee Chairman
receiving an increase from &#xA3;60,000 to &#xA3;68,000 per annum and members receiving an increase from &#xA3;30,000 to &#xA3;34,000 per annum
with effect from 1 July 2021. Committee fees had not changed since 2014 and the review took place after considering the time
commitment against the other NatWest Group Board Committees and market practice. The number of meetings remained
consistently high and was not expected to change due to the heavily-regulated nature of remuneration at large banks. The annual
engagement with our stakeholders on remuneration also required a significant amount of work, particularly for the Committee
Chairman. After reflecting on current and expected future time commitment, it was agreed to bring the rates in line with those
currently paid for the BRC and the Group Audit Committee. No directors are involved in decisions regarding their own remuneration.
The temporary increase in the fees for the Chairman of the CAP, to reflect additional engagement with the workforce due to
COVID-19, came to an end on 1 April 2021 with fees reverting from &#xA3;30,000 to &#xA3;15,000 per annum. For NatWest Group plc Board
directors who also serve on the Boards and Committees of NatWest Holdings Limited, National Westminster Bank Plc, The Royal
Bank of Scotland plc and Ulster Bank Limited, the fees below reflect membership of all five boards and their respective Board
Committees. Directors may also receive fees for membership of other subsidiary company Boards and Committees, the value
of&#x202F;which is included below. No variable pay is provided to the Chairman and non-executive directors.
Total remuneration for the Chairman and non-executive directors in 2021 (audited)
 Fees Benefits(1) Total
Chairman (composite fee)
2021
&#xA3;000
2020
&#xA3;000
2021
&#xA3;000
2020
&#xA3;000
2021
&#xA3;000
2020
&#xA3;000
Howard Davies 750 750 13 12 763 762
Non-executive directors
Fees Benefits(2) Total
Board
&#xA3;000
N&amp;G
&#xA3;000
GAC
&#xA3;000
BRC
&#xA3;000
RemCo
&#xA3;000
SBC
&#xA3;000
TIC
&#xA3;000
SID
&#xA3;000
CAP
&#xA3;000
Other
&#xA3;000
2021
&#xA3;000
2020
&#xA3;000
2021
&#xA3;000
2020
&#xA3;000
2021
&#xA3;000
2020
&#xA3;000
Frank Dangeard(3) 262 262 260 1 1 263 261
Patrick Flynn 80 15 68 34 30 227 227 1 3 228 230
Morten Friis 80 15 34 68 197 168 22 7 219 175
Robert Gillespie 80 15 34 34 64 227 221 2 3 229 224
Yasmin Jetha 80 30 60 170 128 1 &#x2013; 171 128
Mike Rogers 80 32 60 172 170 &#x2013; 2 172 172
Mark Seligman 80 15 34 32 30 191 189 1 1 192 190
Lena Wilson 80 34 32 30 19 195 180 5 4 200 184
(1)  The benefits column for Howard Davies, Chairman, includes private medical cover, life cover and expenses in connection with attendance at Board meetings. In April 2020, the
Chairman announced he would donate 25% of his fees for the rest of 2020 to the NET Coronavirus Appeal.
(2)  Non-executive directors are reimbursed expenses incurred in connection with travel and attendance at Board meetings.
(3)  Under the &#x2018;Other&#x2019; column, Frank Dangeard received a composite fee as Chairman of the NatWest Markets Plc (NWM Plc) Board.
Key to table:
N&amp;G Group Nominations and Governance Committee SBC Group Sustainable Banking Committee
GAC Group Audit Committee TIC Technology and Innovation Committee
BRC Group Board Risk Committee SID Senior Independent Director
RemCo  Group Performance and Remuneration Committee  CAP Colleague Advisory Panel
Annual remuneration report continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 148
Ms Murray&#x2019;s performance was also considered to be strong in 2021, with highlights including her proactive engagement
with investors, the refresh of NatWest Group&#x2019;s Annual Report on Form 20-F process and reporting frameworks and on scenario
modelling, with improvements having been delivered in forecasting capabilities. Ms Murray had shown excellent leadership on
the cost and investment agenda and had made progress on the Finance transformation agenda. In light of performance achieved,
the Committee agreed that an LTI award of &#xA3;1,057,500 would be appropriate, which represents 141% of salary and 71% of the
maximum award available. In line with the approach taken for Ms Rose, the LTI outcome reflected an adjustment to mirror the
downward adjustment to the 2021 bonus pool for the fine imposed on NatWest Bank Plc for breaches of the Money Laundering
Regulations 2007 and ongoing FC remediation considerations.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g151.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Payments for loss of office and payments to past directors (audited)
There were no payments for loss of office made to directors in 2021. Ross McEwan stepped down from the Board as CEO in
October 2019. Mr McEwan qualified for good leaver treatment meaning his outstanding LTI awards continue to vest on their
scheduled vesting dates and pro-rating does not apply. All awards remain subject to a performance assessment prior to vesting
and&#x202F;the potential application of malus and clawback provisions.
As set out earlier in this report, Mr McEwan received an LTI award of 625,712 shares in 2019 which was reduced to 592,530 shares
following the application of the pre-vest assessment and Risk and Control underpin. The remaining shares are due to vest between
2022 and 2026, subject to good leaver criteria continuing to be met. The value of the shares is &#xA3;1,321,342 based on the average
share price over October to December 2021. A further disclosure will be made in next year&#x2019;s report following the pre-vest
assessment of the final LTI award granted to Mr McEwan in 2020. In addition, Mr McEwan received assistance with his UK tax
return for his final year of employment with NatWest Group and a payment was made in relation to taxes incurred as a result of a
business trip to California while in employment, with payments totalling &#xA3;10,700. There are no other payments to past directors to
disclose for 2021.
Implementation of remuneration policy in 2022
Pay arrangements
Salary
(1 Jan 2022)
Salary
(1&#x202F;April 2022)
Standard
benefits(1)

Pension
Fixed share
allowance(2)
Maximum bonus
award for 2022(3)
Maximum RSP award
for 2022(4)
Alison Rose &#xA3;1,100,000  &#xA3;1,122,000 &#xA3;26,250 10% of salary 100% of salary 85% of salary 125% of salary
Katie Murray &#xA3;750,000 &#xA3;765,000 &#xA3;26,250 10% of salary 100% of salary 85% of salary 125% of salary
(1)  Amounts shown relates to standard benefit funding. Executive directors are also entitled to travel assistance and security arrangements in line with the policy. We will disclose the value
of benefits received each year.
(2)  Fixed share allowance is payable broadly in arrears, currently in four instalments per year. The first payment for January to March 2022 will be made under the existing Policy, with the
shares released in equal amounts over a three-year period. The remaining instalments for 2022 will be made under the new Policy, with shares released in equal amounts over a
five-year period.
(3)  The maximum bonus award under the Policy is set at 100% of base salary, however, in the first year of implementation this will be limited to 85% of base salary as part of a phased
increase. The calculation of award maximum is based on salary earned over the year. As the salary increase is effective from 1 April, three months of the year will be based on existing
salary with nine months based on the post April salary. The annual bonus award is expected to vest at 50% where target performance is achieved across the scorecard.
(4)  The maximum RSP award under the Policy will be set at 150% of base salary, however, in the first year of implementation this will be limited to 125% of base salary as part of a phased
increase. As per above, the calculation of maximum is based on salary earned over the year. The RSP award is normally expected to vest in full, subject to underpin criteria that will
ensure there is no payment for failure.
Annual bonus and RSP
Annual bonus
The 2022 bonus scorecard will be based on weighted performance measures and appropriately stretching targets across financial
and non-financial areas that align with our purpose-led strategy. For 2022, these will be apportioned as follows:
  &#x2013; Financial performance measures will represent 60% of the overall scorecard. Target ranges have been set in line with
the&#x202F;budget. A qualitative overlay will be applied to consider actual performance and how the outcome has been achieved.
Any&#x202F;M&amp;A activity and performance versus the market will be considered in the final assessment;
  &#x2013; Non-financial measures will be focused across Climate, Customer, Purpose, Culture and People, Enterprise and Capability.
For&#x202F;2022, these areas will represent an aggregate of 35% of the scorecard;
  &#x2013; Personal measures will represent 5% of the overall scorecard and the performance of each executive director will be based on
a&#x202F;discretionary assessment at year end; and
  &#x2013; A downward Risk modifier will also apply, enabling risk performance to be assessed and awards reduced, potentially to zero,
as&#x202F;required. This will be based on an assessment of:
  &#x2013; Annual risk performance assessment of Franchises/Functions/Legal Entities;
  &#x2013; Annual assessment of individual performance against executive director risk and control goals; and
  &#x2013; Qualitative behavioural observations from the Group Chief Risk Officer.
In the first year of implementation the annual bonus will be granted at a maximum value of 85% of base salary.
NatWest Group plc &#x2013; Annual Report on Form 20-F 149
Both executive directors will receive LTI awards in March 2022 in respect of the 2021 performance year. You can find details of
these awards on page 148 of this document. Under the existing Policy, a salary increase of 2% has been agreed for executive
directors from 1 April 2022, which is below the expected average salary increase for the wider global workforce of 3.6%. Subject to
 the new Policy being approved by shareholders at the 2022 AGM, the revised annual pay arrangements that will apply from the
date of the AGM for the 2022 performance year are set out below.
Subject to being approved by shareholders at the 2022 AGM, the Policy on pages 127 to 131 of this document will apply to the
executive directors from 2022. The Committee intends to implement the new Policy as follows.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g152.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Annual remuneration report continued
Annual bonus performance assessment under the new Policy for 2022
Threshold and maximum targets will be disclosed retrospectively at the end of the performance period in the 2022 Directors&#x2019;
Remuneration Report, alongside the actual level of performance achieved and associated narrative. No award will be made if
threshold performance, as determined by the Committee, is not achieved.
The level of the award to be paid will vary between 10% for threshold performance and 100% for maximum performance. Target
performance will pay out at 50% of maximum opportunity.
All assessments of performance are subject to the Committee&#x2019;s judgment to determine the appropriate outcome. Discretion will
only&#x202F;be used by the Committee when the application of the formulaic performance outcome drives an unrepresentative outcome or
when it is necessary to take into account strategic, economic or societal impacts that were not or could not have been accounted
for at the point of agreeing the bonus scorecard.
Annual bonus performance measure and targets for 2022
Category Performance measures Target Weighting
%
Financial
Go-forward group(1) ROTE. Targets set and the extent of their achievement will be disclosed
in the 2022 Annual Report as the Committee considers them to
be&#x202F;commercially sensitive at this point in time.
30%
Financial
(60%)
Underlying income growth of the
Go-forward group.
Income excluding notable items to exceed &#xA3;11.0 billion in the
Go-forward group.
10%
Go-forward group operating expenses,
excluding litigation and conduct costs.
Around 3% cost reduction. 10%
Progress to medium-term capital target. CET1 ratio of around 14% post distributions. 10%
Non-Financial
Climate Progress towards halving
emissions for own direct
operations by 2025.
Funding and financing
committed to climate and
sustainable finance.
Develop climate transition
plan&#x202F;for publication.
Maintain 40% reduction in carbon emissions from our direct
operational footprint against 2019 baseline.
&#xA3;17.5 billion of funding and financing for climate and sustainable
finance in 2022.
Development of NWG climate transition plan for publication with
the 2022 annual results.
10%
Strategic
(35%)
Customer Achieving Net Promoter
Score&#x202F;(NPS) targets on
an&#x202F;aggregated basis for
NatWest&#x202F;Group.
NPS improvement of:
  &#x2013; One point for NatWest Retail Banking or be 2nd or better
  &#x2013; Two points for NatWest Premier Banking
  &#x2013; One point for Coutts
  &#x2013; One point for NatWest Business Banking and be 3rd or better
  &#x2013; Two points for RBSI
Maintain NPS for NatWest Commercial &amp; Corporate Banking and
maintain 1st position.
Achieve a Customer Touchpoint Rating of 70 for NatWest Markets(2).
10%
Purpose,
Culture
and
People
Progress against
purpose&#x202F;targets.
Progress against
culture&#x202F;targets.
Number of females in
senior&#x202F;roles.
Black, Asian and Minority
Ethnic representation.
Maintain current purpose score of 90.
Maintain current culture score of 83.
Progression towards the achievement of our externally published
long-term target (2030) for gender of 50%. Increase percentage
of&#x202F;females in top three layers of the organisation to 41%.
Progression towards the achievement of our externally published
medium-term target (2025) for ethnicity of 15%. Increase
percentage of Black, Asian and Minority Ethnic colleagues in top
four layers of the organisation to 12%.
10%
NatWest Group plc &#x2013; Annual Report on Form 20-F 150 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g153.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Enterprise
&amp;
Capability
Support a Springboard to
Sustainable Recovery and
prioritise support for harder
to&#x202F;reach groups.
Encourage youth participation
in enterprise.
Increase number of customers
to save at least &#xA3;100.
Number of financial capability
interactions which require
active engagement, give
knowledge or skills or
change&#x202F;behaviour.
Support 35,000 businesses through enterprise programmes with
250,000 customer interactions to start, run and grow a business.
Support being distributed as follows:
  &#x2013; 75% support to UK regions outside London &amp; South East;
  &#x2013; 60% support to females;
  &#x2013; 20% support to Black, Asian and Minority Ethnic individuals;
  &#x2013; 20% to people intending to create purpose-led businesses.
30,000 young adults engaged in enterprise and
entrepreneurship&#x202F;activity.
Help an additional 530,000 customers to start saving.
Reach 4 million people through financial capability interactions.
 5%
Personal
(5%)
Discretionary assessment at year end for
both executive directors.
CEO performance is based on recommendation from Chairman
taking into account additional individual performance factors.
CFO performance is based on recommendation from CEO taking
into account individual performance goals and the performance of
the Finance function.
5%
Risk
(0-100%)
Risk performance assessment based on
Group, NatWest Holdings, Functional
(CFO&#x202F;only) and individual risk performance.
Discretionary downwards modifier. 0
-100%
(1)  Go-forward group excludes Ulster Bank RoI.
(2)  As NPS is not available for the NatWest Markets business, an internal Customer Touchpoint Rating is applied to assess NatWest Markets&#x2019; customer performance.
RSP performance assessment under the new Policy for 2022
The new tests are simpler than those currently operated under the existing LTI-only construct. The RSP is bolstered by the annual
bonus, which ensures that executive directors are also incentivised to deliver on the key strategic priorities of NatWest Group, with
robust weighted performance measures as set out on the previous page. After the pre-grant test and underpin, the RSP would be
expected to pay out at 100% in the vast majority of cases to deliver the expected value under the construct. In the first year of
implementation, the RSP will be granted at a maximum value of 125% of base salary. This will rise to 150% of base salary in
the&#x202F;second year of the new Policy.
Pre-grant test
The first RSP award will be granted in early 2023. Executive directors will be granted an RSP award provided the Committee
considers performance over 2022 has been satisfactory, based on an assessment against our performance management framework.
Pre-vest underpin
RSP awards will not be subject to further performance conditions. However, before vesting, the Committee will review the
outcomes of the business against the following underpin criteria.
A sustainable level of performance over the period will be considered with reference to:
1.  the level of capital held relative to the maximum distributable amount;
2.  total distributions paid relative to our distribution policy; and
3.  any material deterioration in the risk or regulatory compliance profile or control environment of NatWest Group, or a serious
conduct or reputational event.
The Committee will make an assessment at the end of the three-year performance period to determine whether sustainable
performance has been achieved. The Committee will refer to the above underpin criteria in determining whether this has been
the&#x202F;case. Following the Committee&#x2019;s assessment, RSP awards may vest in full, in part or lapse in their entirety. The Committee will
also retain the right to consider other factors and apply discretion before making a decision on the final vesting outcome. This will
mitigate any potential unintended outcomes that might arise and ensure that there is a fair outcome. The Committee will explain
its&#x202F;reasons for applying discretion in either direction, or for not doing so. The Committee reserves the right to change the underpin
criteria when granting new RSP awards over the Policy period.
NatWest Group plc &#x2013; Annual Report on Form 20-F 151 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g154.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Annual remuneration report continued
Chairman and non-executive directors&#x2019; annual fees for 2022
Following a review of fees paid during 2021, the only change is to increase the fees for the Senior Independent Director role.
The&#x202F;rate will increase from &#xA3;30,000 per annum to &#xA3;34,000 per annum. This is closer to the fees paid for the equivalent role at
peer&#x202F;banks and also aligns with the rates currently being paid to members of the Group Board Risk Committee, the Group Audit
Committee and the Group Performance and Remuneration Committee. The change will apply from 1 January 2022 and is within
the limits allowed under the existing remuneration policy.
Fees for NatWest Group plc Board(1)
Rates from
1&#x202F;January 2022
Chairman (composite fee) &#xA3;750,000
Non-executive director basic fee &#xA3;80,000
Senior Independent Director &#xA3;34,000
Fees for NatWest Group plc Board Committees(1) Member Chairman
Group Board Risk Committee &#xA3;34,000 &#xA3;68,000
Group Audit Committee &#xA3;34,000 &#xA3;68,000
Group Performance and Remuneration Committee &#xA3;34,000 &#xA3;68,000
Group Sustainable Banking Committee &#xA3;30,000 &#xA3;60,000
Technology and Innovation Committee &#xA3;30,000 &#xA3;60,000
Group Nominations and Governance Committee  &#xA3;15,000 &#x2013;
Other fees for NatWest Group plc Board directors
Chairman of NatWest Markets Plc (composite fee to cover all boards and committees) &#xA3;264,000
Chairman of the Colleague Advisory Panel &#xA3;15,000
(1)  No additional fees are payable where the director is also a member of the boards and respective board committees of NatWest Holdings Limited, National Westminster Bank Plc and
The Royal Bank of Scotland plc. Where appropriate, directors receive additional fees for membership of other subsidiary company boards and committees including NatWest Markets
Plc. We will disclose the value of fees received in this report each year.
125% of
base salary
85% of
base salary
Annual
bonus
perf.
assessment
period
RSP
pre-grant
perf.
period
Cash
vesting
Share
vesting
Grant
Given 60% of variable is in the RSP, there would normally
be no deferral requirements for the bonus
210% of base salary
(maximum variable pay for 2022)
Base salary Pension FSA RSP Post-vesting retention period Bonus
Total Year 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031
100%
100%
10%
20%
20%
20%
20%
20%
20%
20%
Underpin
assessment
20%
Share
release
20%
20%
Structure and timing of payments under the new Policy for 2022
NatWest Group plc &#x2013; Annual Report on Form 20-F 152 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g155.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Other external directorships
The Board must approve any additional appointments undertaken by directors outside NatWest Group. Steps are in place to
make&#x202F;sure that directors comply with regulatory limits on the number of directorships held. The Board also considers whether
it&#x202F;is&#x202F;appropriate for executive directors to retain any remuneration from any new external roles, depending on the appointment.
You can find details of current external appointments in the biographies section of the Corporate Governance report.
Annual change in directors&#x2019; pay compared to average change in employee pay
Remuneration for employees is based on salary, benefits and annual bonus. The CEO and CFO receive fixed share allowances
and&#x202F;are eligible for LTI awards rather than an annual bonus. The Chairman and non-executive directors receive fees rather than
salary and do not receive any variable pay. We regularly review membership of Board Committees and changes in membership will
impact the level of fees paid to non-executive directors from one year to the next. The benefits figures for non-executive directors
can also change significantly year on year depending on the amount of travel undertaken in connection with Board meetings.
2020 to 2021 2019 to 2020
Annual percentage change Salary Benefits(1) Annual Bonus Salary Benefits(1) Annual Bonus
UK employees(2) 2.02% 4.68% 35.24% 2.86% 1.70% -32.4%
Executive directors
Alison Rose(3) 0% 0% n/a &#x2013; &#x2013; n/a
Katie Murray 0% 0% n/a 0% 0% n/a
Chairman and non-executive directors Fees Benefits Annual Bonus Fees Benefits Annual Bonus
Howard Davies 0% 8% n/a 0% 9% n/a
Frank Dangeard 1% 0% n/a 0% -75% n/a
Patrick Flynn 0% -67% n/a 2% -70% n/a
Morten Friis 17% 214% n/a 14% -80% n/a
Robert Gillespie 3% -33% n/a -3% -84% n/a
Yasmin Jetha(4) 33% 100% n/a &#x2013; &#x2013; n/a
Mike Rogers 1% -100% n/a 0% -83% n/a
Mark Seligman 1% 0% n/a -4% -88% n/a
Lena Wilson 8% 25% n/a 16% -64% n/a
(1)  Standard benefit funding for executive directors has remained unchanged. The figures above excludes any other benefits to executive directors such as travel assistance in connection
with company business, the value of which is disclosed each year in the total remuneration table.
(2)  NatWest Group plc is a holding company and is not an employing entity. Therefore the disclosure above is made on a voluntary basis to compare any change in directors&#x2019; pay with all
employees based in the UK. The data above is based on full-year average salary costs of UK based employees of NatWest Group, excluding the CEO and the CFO. This is considered
to be the most representative comparator group, as it covers the majority of employees and the CEO and CFO are based in the UK.
(3)  Alison Rose, CEO, was appointed on 1 November 2019 and therefore the annual change comparison to 2020 is not relevant. No change has been made to Ms Rose&#x2019;s salary over the
last two years.
(4)  Yasmin Jetha re-joined the Board on 1 April 2020, so there is no comparison for the 2019 to 2020 annual change.
NatWest Group plc &#x2013; Annual Report on Form 20-F 153 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g156.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Annual remuneration report continued
CEO to employee pay ratios
The ratios compare the total pay of the CEO against the pay of three UK employees, whose earnings represent the lower,
median&#x202F;and upper quartiles of the UK employee population. A significant proportion of the CEO&#x2019;s pay is delivered in LTI awards.
As&#x202F;these are linked to performance and share price movements, this part of the ratio can fluctuate significantly from one year to
the next. None of the three employees identified this year received LTI awards. Information based on salary only is included as a
further comparison.
The pay ratios reflect the diverse range of roles and pay levels across NatWest Group as a large financial services company. The
median employee for 2021 works in Services and the median pay ratio is consistent with the pay, reward and progression policies
for UK employees taken as a whole. We are committed to paying each individual a fair rate for the role performed, using consistent
reward policies and offering opportunities for progression. We set out further information on our fair pay approach earlier in this
report and in the supporting ESG Supplement at natwestgroup.com. The change in the median pay ratio since 2018 is largely
driven by the more volatile nature of pay for the CEO. In April 2020, the CEO decided to forgo 25% of her fixed pay for the rest of
the year which also contributed to the ratio falling in 2020 before returning to more typical levels in 2021. Based on a comparison
of&#x202F;salary only, the trend is more stable.
Pay ratios Remuneration values (&#xA3;000)
Year Methodology
P25
(LQ)
P50
(Median)
P75
(UQ) Calculation CEO
Y25
(LQ)
Y50
(Median)
Y75
(UQ)
2018 A Total remuneration 143:1 97:1 56:1 Total remuneration 3,578 25 37 64
Salary only 44:1 30:1 19:1 Salary only 1,000 23 33 51
2019 A Total remuneration 175:1 118:1 69:1 Total remuneration 4,517 26 38 66
Salary only 44:1 30:1 19:1 Salary only 1,017 23 34 52
2020 A Total remuneration 99:1 66:1 39:1 Total remuneration 2,615 26 40 66
Salary only 46:1 31:1 20:1 Salary only 1,100 24 36 54
2021 A Total remuneration 130:1 87:1 51:1 Total remuneration 3,588 28 41 70
Salary only 44:1 29:1 20:1 Salary only 1,100 25 37 55
Supplementary information on the pay ratio table:
(1)  The data for 2021 is based on remuneration earned by Alison Rose, as set out in the single figure of remuneration table in this report.
(2)  The employees at the 25th, 50th and 75th percentiles (lower, median and upper quartiles) were determined as at 31 December of the relevant year, based on full-time equivalent
remuneration for all UK employees. This includes fixed pay (salary, pension funding and where relevant benefit funding and other allowances) and also any variable pay (based on the
amount to be paid). For employees who work part-time, fixed pay is grossed up to the full-time equivalent.
(3)  &#x2018;Option A&#x2019; methodology was selected as this is considered the most statistically accurate method under the reporting regulations. UK employees receive a pension funding allowance
set as a percentage of salary. Some employees, but not the CEO, continue to participate in the defined benefit pension scheme. Under this, it would be possible to recognise a higher
value, which would in turn reduce the ratios. However, for simplicity and consistency with regulatory disclosures, we have included the pension funding allowance value in the
calculation for all employees.
(4)  The data for the three employees identified has been considered and fairly reflects pay at the relevant quartiles among the UK employee population. Each of the three individuals was
a&#x202F;full-time employee during the year and none received an exceptional award that would otherwise inflate their pay figure
Summary of remuneration levels for employees in 2021
49,171 employees earned total remuneration up to &#xA3;50,000
12,678 employees earned total remuneration between &#xA3;50,000 and &#xA3;100,000
5,256 employees earned total remuneration between &#xA3;100,000 and &#xA3;250,000
790 employees earned total remuneration over &#xA3;250,000
(1)  For 2021, the disclosure of remuneration levels for employees includes anyone employed by NatWest Group during the year. This is a change of approach from previous years when
we only included colleagues employed at year end.
NatWest Group plc &#x2013; Annual Report on Form 20-F 154
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g157.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Directors&#x2019; interests in NatWest Group plc shares (audited)
0 100 200 300 400 500 600 700
Alison Rose
Katie Murray
168%
316%
&#xA3;1.1m
49% 267%
501% 59% 442%
Values as percentage
of salary
Shares held outright Shares awards still subject
to performance
Shares awards that count
towards requirement
Shareholding requirement
Share interests held by directors
Alison
Rose
Katie
Murray
Howard
Davies
Frank
Dangeard
Patrick
Flynn
Morten
Friis(2)
Robert
Gillespie
Yasmin
Jetha
Mike
Rogers
Mark
Seligman(3)
Lena
Wilson
Shares held(1) 2,155,298 886,232 100,000 5,000 20,000 20,000 25,000 30,000 20,000 30,000 20,000
Shareholding requirement
400% of
salary
250% of
salary &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Position against requirement
501% of
salary
316% of
salary &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
(1)  Shares owned beneficially as at 31 December 2021 or at the date of stepping down from the Board if earlier. Includes shares held by persons closely associated with the directors. As
at 17 February 2022, there were no changes to the shares held as shown above. Share awards, as shown below, are also included for the purposes of the shareholding requirement
once any performance assessment has been completed. All share awards are included net-of-taxes due to be paid on vesting. The position against the requirement was calculated as
at 31 December 2021, at which point both executive directors exceeded the requirement based on the closing price of &#xA3;2.257.
(2)  The share interest held is over 10,000 American Depositary Receipts representing 20,000 ordinary shares.
(3)  10,000 shares are held in the name of M Seligman &amp; Co Limited, of which Mr Seligman and Louise Seligman are shareholders.
Share awards under share plans
Year
Awards held
1 Jan 2021
Awards
granted
Award price
&#xA3;
Awards
vested
Awards
lapsed
Awards
forfeited
Awards held
31 Dec 2021 Expected vesting dates
Alison Rose
LTI award 2016 100,780 2.26 100,780 0
LTI award 2017 223,677 2.41 55,919 167,758(1) 07.03.22 &#x2013; 07.03.24
LTI award 2018 488,906 2.66 92,140 28,206 368,560(1) 07.03.22 &#x2013; 07.03.25
LTI award 2019 568,829 2.64 568,829(2) 07.03.22 &#x2013; 07.03.26
LTI award 2020 881,679 1.70 881,679(2) 07.03.23 &#x2013; 07.03.27
2,263,871 248,839 28,206 1,986,826
Total LTI awards subject to service 536,318(1)
Total LTI awards subject to performance and service 1,450,508(2)
Katie Murray
LTI award 2016 9,142 2.26 9,142 0
Deferred award 2017 34,171 2.41 17,087 17,084(1) 07.03.22
LTI award 2017 62,382 2.41 31,191 31,191(1) 07.03.22
Deferred award 2018 80,387 2.66 26,796 53,591(1) 07.03.22 &#x2013; 07.03.23
Deferred award 2019 226,388 2.64 17,443 208,945(1) 07.03.22 &#x2013; 07.03.26
LTI award 2020 646,565 1.70 646,565(2) 07.03.23 &#x2013; 07.03.27
Sharesave 2020 3,200 1.12 3,200(3) 18.12.23
LTI award 2021 407,262 1.67 407,262(2) 07.03.24 &#x2013; 07.03.28
1,062,235 407,262 101,659 1,367,838
Total LTI and deferred awards subject to service 310,811(1)
Total LTI awards subject to performance and service 1,053,827(2)
Total Sharesave options 3,200(3)
(1)  Performance assessment has taken place and awards remain subject to deferral and employment conditions before vesting. These awards count on a net of tax basis towards meeting
the shareholding requirement.
(2)  Awards are subject to the LTI pre-vest performance assessment along with deferral and employment conditions before vesting. See earlier in this report for the pre-vest assessment of
the 2019 LTI award. The first vesting of this award is due to take place in March 2022, which will be reflected in next year&#x2019;s table together with the shares lapsed for performance.
(3)  Sharesave options enable colleagues to save from their salary with an option to buy shares at the end of the savings period. The award price is the price at which shares can be
bought. Sharesave options are normally exercisable for a period of six months from the maturity date at an option price that is discounted by up to 20% of the market value around the
time of the award.
NatWest Group plc &#x2013; Annual Report on Form 20-F 155
Under the existing shareholding requirements, the CEO and CFO need to build up and maintain shares to the value of 400% of
salary and 250% of salary respectively. The requirements apply both during employment and for two years after leaving, in line
with best practice. Procedures are in place to enforce the shareholding requirements, and you can find further details on page 137
of this report. Subject to approval of the new Policy by shareholders at the 2022 AGM, the requirements will be increased to 500%
of salary for the CEO and 300% of salary for the CFO.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g158.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Annual remuneration report continued
CEO pay over the same period
2012 2013 2014  2015 2016  2017  2018 2019 2020 2021
Total remuneration (&#xA3;000s)(1) AR 1,401 2,615 3,588
RM 393 1,878 3,492 3,702 3,487 3,578 4,066
SH 1,646 1,235
Annual bonus against
maximum&#x202F;opportunity SH 0% 0% n/a  n/a  n/a  n/a n/a n/a n/a n/a
LTI vesting rates against
maximum&#x202F;opportunity(2)
AR 60% 82% 83%
RM 73% 62%  56% 89% 41% 78%
SH 0% 0%
(1)  CEOs are Alison Rose (AR), Ross McEwan (RM) and Stephen Hester (SH) with figures based on the single figure of remuneration for the relevant year.
(2)  Maximum opportunity is set according to the approved policy and, for LTI awards granted in 2015 and onwards, the regulatory cap.
Relative importance of spend on pay
2021
&#xA3;m
2020
&#xA3;m Change
Remuneration paid to all employees(1,2) 3,156 3,324 -5.05%
Distributions to holders of ordinary shares(3) 693 &#x2013; n/a
Distributions to holders of preference shares and paid-in equity  318 381 -16.5%
(3)  Dividends proposed for payment during 2020 were withdrawn in line with regulatory requirements. The Board has confirmed its intention to pay a dividend of 7.5p per ordinary share
in respect of financial year 2021, subject to approval by shareholders at the Annual General Meeting on 28 April 2022.
Total Shareholder Return (TSR) performance
The graph compares the TSR performance of NatWest Group with companies comprising the FTSE 100 Index over the last
10 years. We have selected this index because it represents a cross-section of leading UK companies. We have added the TSR
for FTSE UK banks for the same period as a further comparison. Source: Datastream
250
200
150
100
50
0
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
FTSE 100 FTSE UK Banks NatWest Group
Shareholder dilution and share sourcing
NatWest Group can use new issue, market-purchase or treasury shares to deliver shares that are required for employee share
plans. Best practice dilution limits are monitored and govern the number of shares that may be issued to satisfy share plan awards.
NatWest Group plc &#x2013; Annual Report on Form 20-F 156
(1)  Remuneration paid to all employees represents total staff expenses as per Note 3 to the consolidated financial statements in the Annual Report on Form 20-F, exclusive of social security and
      other staff costs.
(2)  Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated
financial statements in the Annual Report on Form 20-F.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g159.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Statement of shareholder voting
The tables below set out the latest resolutions to approve the Directors&#x2019; Remuneration Policy and the Annual remuneration report.
Directors&#x2019; Remuneration Policy &#x2013; 2020 Annual remuneration report &#x2013; 2021
Vote Number of shares Percentage Vote Number of shares Percentage
For 39,142,662,676 90.14% For 40,070,096,464 99.89%
Against 4,281,775,516 9.86% Against 42,368,132 0.11%
Withheld 12,426,752 &#x2013; Withheld 1,371,168,504 &#x2013;
The Group Performance and Remuneration Committee
Role of the
Committee
The Committee is responsible for:
  &#x2013; approving the remuneration policy for all colleagues and reviewing the effectiveness of its implementation;
  &#x2013; reviewing performance and making recommendations to the Board on arrangements for
executive&#x202F;directors;
  &#x2013; approving remuneration for a defined &#x2018;in-scope&#x2019; population comprising members and attendees of the
Senior Executive Committees and direct reports of the CEO, control function heads and the Company
Secretary. The Committee also approves arrangements where individuals earn total compensation above
&#xA3;1 million; and
  &#x2013; setting the remuneration framework and principles for colleagues identified as Material Risk Takers
(MRTs). The terms of reference (ToR) of the Committee are reviewed annually and available on
natwestgroup.com
Main activities
One of the main
activities of the
Committee was to
reflect on stakeholder
feedback on the new
Policy for executive
directors, and
developing revised
proposals as set out in
this report.
Wider workforce Executive remuneration Governance and regulatory
  &#x2013; Approving and overseeing
the&#x202F;NatWest Group-wide
Remuneration Policy.
  &#x2013; Considering how pay has been
allocated across the workforce,
including analysis by colleague
level, geography and diversity.
  &#x2013; Reviewing fixed pay proposals.
  &#x2013; Approving Sharesave offers
to&#x202F;colleagues.
  &#x2013; Reviewing performance over the
year and approving bonus pools
for the business areas.
  &#x2013; Reviewing gender and ethnicity
pay gap reporting.
  &#x2013; Reviewing performance
assessments and remuneration
arrangements for the
Committee&#x2019;s &#x2018;in scope&#x2019;
population.
  &#x2013; Setting performance objectives
for Senior Executives for the
year ahead.
  &#x2013; Approving vesting and grant
levels for LTI awards.
  &#x2013; Approving remuneration for
senior hires and arrangements
for any leavers.
  &#x2013; Engaging with stakeholders
on&#x202F;our remuneration proposals.
  &#x2013; Reviewing and approving the
Directors&#x2019; Remuneration Report.
  &#x2013; Receiving benchmarking
data&#x202F;on executive pay and
peer&#x202F;practice.
  &#x2013; Approving agenda planners
and&#x202F;ensuring the Committee is
meeting all its obligations under
its ToR.
  &#x2013; Considering matters escalated
by other Board Committees and
subsidiary Performance and
Remuneration Committees.
  &#x2013; Overseeing the MRT
identification process.
  &#x2013; Approving submissions through
the year to the UK regulators.
  &#x2013; Receiving quarterly updates
on&#x202F;accountability reviews and
approving accountability
decisions for the population
within its governance.
  &#x2013; Carrying out the annual
evaluation of its performance.
NatWest Group plc &#x2013; Annual Report on Form 20-F 157
Membership All members of the Committee are independent non-executive directors. In order to be considered for the
role of Committee Chairman, an individual must first have served on a remuneration committee for at least
12 months. During 2021, Robert Gillespie was the Committee Chairman. Frank Dangeard, Mike Rogers, Mark
Seligman and Lena Wilson were members. The Committee held eight scheduled meetings in 2021 and a
further three ad hoc meetings. You can find further details on members and attendance in the Corporate
Governance report on page 87 of this report.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g160.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Annual remuneration report continued
Operation of the
policy
The remuneration policy operated broadly as intended during the year, with adjustments made for
performance where appropriate. Some shareholders continued to express concerns with some parts of
the&#x202F;policy for executive directors, as explained earlier in this report, and the challenges in maintaining a
competitive level of pay for executive directors have heightened over the past year. This led the Committee
to believe that amendments should be proposed to shareholders at the 2022 AGM.
Managing conflicts To mitigate potential conflicts of interest, directors are not involved in decisions regarding their own
remuneration and the Committee rather than management appoint remuneration advisers. Attendees
also&#x202F;play an important role in advising the Committee but are not present when their own remuneration is
discussed. The Group Chief People &amp; Transformation Officer may be present when discussions take place on
senior executive pay, as there is considerable benefit from her participation. However, she is never present
for discussions on her remuneration.
Committee Advisers PricewaterhouseCoopers LLP (PwC) was first appointed as remuneration adviser by the Committee in 2010
and reappointed in 2021, following an annual review of the quality of advice and the level of fees. PwC is a
signatory to the voluntary code of conduct in relation to remuneration consulting in the UK. The Committee
also took account of the views of the Chairman, the CEO, the CFO, the Group Chief HR Officer, the Group
Chief People &amp; Transformation Officer, the Director of Reward &amp; Employment, the Group Chief Risk Officer
and the Group Chief Audit Executive. The Committee also received input from the BRC, the GAC, the SBC
and the Performance and Remuneration Committees for the principal legal entities across NatWest Group.
The professional services PwC provides in the ordinary course of business include assurance, advisory,
tax&#x202F;and legal advice to NatWest Group subsidiaries. The Committee is satisfied that the advice received is
independent and objective. We also receive an annual statement setting out the protocols PwC has followed
to maintain independence. There are no connections between PwC and individual directors to be disclosed.
Fees paid to PwC for advising the Committee are based on a fixed fee structure with any exceptional items
charged on a time/cost basis. Fees for 2021 in relation to directors&#x2019; remuneration rose compared to last year
primarily due to additional work in relation to the new Policy, amounting to &#xA3;211,041 in total excluding VAT
(2020 &#x2013; &#xA3;136,830 excluding VAT).
Performance
evaluation
The 2021 performance evaluation for the Committee was conducted externally by Independent Board
Evaluation. The Committee was considered to have managed a number of challenging items well in a
difficult&#x202F;year. It was noted there had been a number of unscheduled meetings, but on balance the
Committee&#x202F;recognised that additional discussions had been necessary.
The Committee requested the governance team to explore whether there was an opportunity to simplify
and&#x202F;streamline the remuneration governance framework, with it being noted that remuneration outcomes
currently flowed through a number of key legal entity performance and remuneration committees and board
risk committees.
Robert Gillespie
Chairman of the NatWest Group Performance and Remuneration Committee
17 February 2022
NatWest Group plc &#x2013; Annual Report on Form 20-F 158 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g161.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Other remuneration disclosures
Remuneration policy for all colleagues
The remuneration policy supports the business strategy and is
designed to promote the long-term success of NatWest Group.
It aims to reward the delivery of good performance provided
this is achieved in a manner consistent with NatWest Group
values and within acceptable risk parameters.
The remuneration policy applies the same principles to
everyone, including Material Risk Takers (MRTs), with some
minor adjustments where necessary to comply with local
regulatory requirements. The main elements of the Policy
are&#x202F;set out below.
Base salary
The purpose is to provide a competitive level of fixed
cash&#x202F;remuneration.
Operation
We review base salaries annually to ensure they reflect the
talents, skills and competencies that the individual brings to
the&#x202F;business.
Role-based allowance
Certain MRT roles receive role-based allowances in order
to&#x202F;provide fixed pay that reflects the skills and experience
required for the role.
Operation
Role-based allowances are fixed allowances which form an
element of overall fixed remuneration for regulatory purposes.
They are based on the role the individual performs.
They are delivered in cash and/or shares depending on
the&#x202F;level of the allowance and the seniority of the recipient.
Shares&#x202F;are subject to a minimum three-year retention period.
Benefits and pension
The purpose is to provide a range of flexible and
competitive&#x202F;benefits.
Operation
In most jurisdictions, benefits or a cash equivalent are provided
from a flexible benefits account. Pension funding forms part
of&#x202F;fixed remuneration and NatWest Group does not provide
discretionary pension benefits.
Annual bonus
The purpose is to support a culture where individuals recognise
the importance of helping people, families and businesses to
thrive and are rewarded for superior performance.
Operation
The annual bonus pool is based on a balanced scorecard of
measures including financial and business delivery, customer,
people and culture, climate and risk and control measures.
Allocation from the pool depends on the performance of
the&#x202F;business area and the individual.
We use a structured performance management framework to
support individual performance assessment. This is designed to
assess performance against longer-term business requirements
across a range of financial and non-financial metrics. It also
evaluates adherence to internal controls and risk management.
We use a balanced scorecard to align with the business
strategy. Each individual will have defined measures of
success&#x202F;for their role.
We also take risk and conduct performance into account.
Control functions are assessed independently of the business
units that they oversee. Objectives and remuneration are set
according to the priorities of the control area, not the targets
of the businesses they support. The Group Chief Risk Officer
and the Chief Audit Executive have the authority to
escalate&#x202F;matters to Board level if management do
not&#x202F;respond&#x202F;appropriately.
Independent control functions exist for the main legal entities
outside the ring fence (NWM Plc and RBSI). Dual solid reporting
lines are in place into the respective legal entity CEOs and the
NatWest Group Control Function Heads.
Awards may be granted up to a maximum of 100% of fixed
pay. For awards made in respect of the 2021 performance
year, immediate cash awards continue to be limited to a
maximum of &#xA3;2,000. In line with regulatory requirements for
MRTs, 40% of awards under &#xA3;500,000 will be deferred over
four, five or seven years. This rises to 60% for awards over
&#xA3;500,000. For MRTs, a minimum of 50% of any variable pay
is&#x202F;delivered in shares and a 12-month retention period applies
to&#x202F;the shares after vesting.
The deferral period is four years for standard MRTs and Risk
Manager MRTs who meet the &#x2018;non-higher paid&#x2019; condition. It
rises to five years for &#x2018;higher paid&#x2019; Risk Manager MRTs, FCA
Senior Management Functions (SMF) roles and PRA SMFs who
meet the &#x2018;non-higher paid&#x2019; condition; and to seven years for
&#x2018;higher paid&#x2019; PRA SMFs. All awards are subject to malus and
clawback provisions.
Long-term incentive (LTI) awards
The purpose and operation of LTI awards is explained in detail
in the Directors&#x2019; remuneration report. Instead of an annual
bonus, NatWest Group provides executive directors and certain
members of NatWest Group&#x2019;s senior executive committees with
LTI awards. Any awards made are subject to a performance
assessment prior to grant and again prior to vesting.
Shareholding requirements
The requirements promote long-term alignment between
senior executives and shareholders.
NatWest Group plc &#x2013; Annual Report on Form 20-F 159
This section contains disclosures which are required in
accordance with UK regulatory requirements and the
Basel Committee on Banking Supervision Pillar 3 disclosure
requirements. They also take into account the European
Banking Authority (EBA) guidelines on sound remuneration
policies. It should be read in conjunction with the Directors&#x2019;
remuneration report starting on page 120 of this
document.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g162.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Other remuneration disclosures continued
Operation
Executive directors and certain members of NatWest Group&#x2019;s
senior executive committees are required to build up and hold
a shareholding equivalent to a percentage of salary. There is
a&#x202F;restriction on the number of shares that individuals can sell
until this requirement is met.
Company share plans
The purpose is to provide an easy way for individuals to
hold&#x202F;shares in NatWest Group plc, which helps to encourage
long-term thinking and provides a direct involvement in
NatWest Group&#x2019;s performance.
Operation
Colleagues in certain jurisdictions are offered the opportunity
to contribute from salary and acquire shares in NatWest Group
plc through company share plans. This includes Sharesave and
the Buy As You Earn plan in the UK. Any shares held are not
subject to performance conditions.
Criteria for identifying MRTs
The EBA has issued criteria for identifying MRT roles, which
includes those staff whose activities have a material influence
over NatWest Group&#x2019;s performance or risk profile. These
criteria are both qualitative (based on the nature of the role)
and quantitative (based on the amount a colleague is paid).
In 2021, MRTs were identified for 11 legal entities (including
at&#x202F;parent holding company and consolidated levels) within
NatWest Group. The MRT criteria are applied for each of these
entities, and consequently many MRTs are identified in relation
to more than one entity.
The qualitative criteria can be summarised as: staff within
the&#x202F;management body; senior management; other staff with
key functional or managerial responsibilities including for
risk&#x202F;management; and staff who individually, or as part of a
Committee, have authority to approve new business products
or to commit to credit risk exposures and market risk
transactions above certain levels.
The quantitative criteria are: individuals earning &#xA3;658,000
or&#x202F;more in the previous year; individuals earning less than
&#xA3;658,000 in the previous year, but more than a threshold set
at&#x202F;the higher of &#xA3;440,000 or the average total earnings of the
management body and senior management for the relevant
legal entity and who can impact the risk profile of a material
business unit; and individuals in the top 0.3% of earners of
the&#x202F;relevant legal entity for the previous year. In addition to
the&#x202F;qualitative and quantitative criteria, NatWest Group has
applied&#x202F;its own minimum standards to identify roles that are
considered to have a material influence over its risk profile.
Personal hedging strategies
The conditions attached to discretionary share-based awards
prohibit the use of any personal hedging strategies to lessen
the impact of a reduction in the value of such awards.
Recipients explicitly acknowledge and accept these
conditions&#x202F;when any share-based awards are granted.
Risk in the remuneration process
NatWest Group&#x2019;s approach to remuneration promotes effective
risk management through having a clear distinction between
fixed remuneration (which reflects the role undertaken by an
individual) and variable remuneration (which is directly linked
to performance and can be risk-adjusted). Fixed pay is set at
an appropriate level to discourage excessive risk-taking and
which would allow NatWest Group to pay zero variable pay.
We achieve focus on risk through clear inclusion of risk in
performance goals, performance reviews, the determination
of&#x202F;variable pay pools, incentive plan design and the application
of malus and clawback. The Committee is supported in this by
the Group Board Risk Committee (BRC) and the Risk function,
as well as independent oversight by the Internal Audit function.
We use a robust process to assess risk performance. We
consider a range of measures, specifically: capital, liquidity and
funding risk; credit risk; market risk; pension risk; compliance
and conduct risk; financial crime; climate risk; operational risk;
business risk and reputational risk. We also consider our overall
risk culture.
Remuneration arrangements are in line with regulatory
requirements and we fully disclose and discuss the steps taken
to ensure appropriate and thorough risk adjustment with the
PRA and the FCA.
Variable pay determination
For the 2021 performance year, NatWest Group operated
a&#x202F;robust control function-led, multi-step process to assess
performance and determine the appropriate bonus pool by
business area and function. At multiple points throughout the
process, we made reference to NatWest Group-wide business
performance (from both affordability and appropriateness
perspectives) and the need to distinguish between &#x2018;go-forward&#x2019;
and &#x2018;resolution&#x2019; activities.
The process uses financial, climate, customer and people
measures to consider a balanced scorecard of performance
assessments at the level of each business area or function.
We&#x202F;then undertake risk and conduct assessments at the same
level to ensure performance achieved without appropriate
consideration of risk, risk culture and conduct controls, is
not&#x202F;inappropriately rewarded.
BRC reviews any material risk and conduct events and, if
appropriate, an underpin may be applied to the individual
business and function bonus pools or to the overall bonus
pool.&#x202F;BRC may recommend a reduction of a bonus pool if it
considers that risk and conduct performance is unacceptable
or that the impact of poor risk management has yet to be fully
reflected in the respective inputs.
Following further review against overall performance
and&#x202F;conduct, taking into account input from the CFO on
affordability and capital and liquidity adequacy, the CEO will
make a final recommendation to the Committee, informed by
all the previous steps and her strategic view of the business.
The Committee will then make an independent decision on the
final bonus pool taking all of these earlier steps into account.
NatWest Group plc &#x2013; Annual Report on Form 20-F 160 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g163.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The assessment process for LTI awards to executive directors
and other recipients is also founded on a balanced scorecard
approach. The scorecard is aligned with the multi-step bonus
pool process, reflecting a consistent risk management
performance assessment.
Remuneration and culture
NatWest Group continues to assess conduct and its impact
on&#x202F;remuneration as part of the annual Group-wide bonus pool
process and also via the accountability review framework.
Many colleagues receive fixed pay only, which provides them
with greater security and allows them to fully focus on the
needs of the customer. The Committee will continue to review
workforce remuneration and the alignment of incentives and
reward with culture.
The governance of culture is clearly laid out. SMF roles
have&#x202F;clearly defined accountabilities. The delivery of these
accountabilities is taken into account in their performance
and&#x202F;pay decisions. The Board and Group Sustainable Banking
Committee (SBC) also play essential roles in building cultural
priorities. Frameworks are in place to measure progress.
Accountability review process and
malus/clawback
We introduced the accountability review process in 2012 to
identify any material risk management, control and general
policy breach failures, and to ensure accountability for
those&#x202F;events.
This allows NatWest Group to respond to instances where new
information would change the variable pay decisions made in
previous years and/or the decisions to be made in the current
year. Potential outcomes under the accountability review
process are:
  &#x2013; malus &#x2013; to reduce (to zero if appropriate) the amount
of&#x202F;any&#x202F;unvested variable pay awards prior to payment;
  &#x2013; clawback &#x2013; to recover awards that have already vested;
and
  &#x2013; in-year bonus reductions &#x2013; to adjust variable pay that
would&#x202F;have otherwise been awarded for the current year.
During 2021 a number of issues and events were considered
under the accountability review framework. The outcomes
covered a range of actions including reduction (to zero where
appropriate) of unvested awards through malus and the
suspension of awards pending further investigation.
Remuneration of MRTs
The quantitative disclosures below are made in accordance
with regulatory requirements in relation to 846 individuals who
have been identified as MRTs for one or more entities across
NatWest Group plc. The number of MRTs identified has
decreased since last year due to a reduction in credit
&#x2018;initiators&#x2019;&#x202F;and changes in credit authorities.
We have excluded two individuals from the tables below on
the&#x202F;basis that, although they have been identified as an MRT in
relation to a role within a subsidiary entity, they do not receive
any remuneration for this role and are not an MRT in relation
to their primary role for NatWest Group.
You can find details of remuneration paid to MRTs in Pillar 3
reporting on a consolidated, sub-consolidated and solo entity
level at natwestgroup.com.
NatWest Group plc &#x2013; Annual Report on Form 20-F 161
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.
As part of the acceptance of variable pay awards, colleagues
must agree to terms that state that malus and clawback may
be applied. Any variable pay awarded to MRTs is subject to
clawback for seven years from the date of grant. Since the
2016 performance year onwards, this period can be extended
to 10 years for MRTs who perform a SMF role under the
Senior Managers Regime where there are outstanding internal
or regulatory investigations at the end of the normal seven-
year clawback period. Awards to other colleagues (non-MRTs)
are subject to clawback for 12 months from each vesting date.
You can read more about the circumstances in which malus,
clawback or in-year bonus reduction may be applied on page
 141.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g164.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Other remuneration disclosures continued
Total remuneration awarded to MRTs for the financial year
Other senior management and other MRTs
split by business area
NatWest
Group plc
NEDs
NatWest
Group plc
EDs
Other
senior
mngt.
Other
MRTs
NatWest
Holdings
NatWest
Markets RBSI
Corporate
functions
Control
functions Total
Fixed remuneration(1)
Total number of MRTs 9 2 18 817 846
Other senior management &#x2013; split by
business area 3 1 1 7 6
Other MRTs &#x2013; split by business area 181 128 22 105 381
&#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Total fixed remuneration of MRTs 2.40 3.94 16.48 186.99 42.57 57.16 3.94 34.50 65.30 209.81
 Cash-based 2.40 2.09 13.97 185.77 41.76 55.76 3.79 34.02 64.39 204.23
 Share-based &#x2013; 1.85 2.51 1.22 0.81 1.39 0.15 0.48 0.91 5.58
 Other instruments or forms &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Variable remuneration(2)
Total number of MRTs &#x2013; 2 16 661 679
Other senior management &#x2013; split by
business area 3 1 1 7 4
Other MRTs &#x2013; split by business area 142 94 17 79 329
&#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Total variable remuneration of MRTs &#x2013; 2.65 9.99 76.28 18.86 27.27 2.17 15.44 22.52 88.92
Cash-based &#x2013; &#x2013; 1.25 40.52 8.82 13.29 0.88 7.36 11.41 41.77
Of which: deferred cash &#x2013; &#x2013; 0.55 15.05 3.08 5.87 0.25 2.97 3.43 15.60
Share-based (annual bonus) &#x2013; &#x2013; 1.24 35.76 7.57 13.23 0.63 7.14 8.43 37.00
Of which: deferred shares &#x2013; &#x2013; 0.55 15.05 3.08 5.87 0.25 2.97 3.43 15.60
Share-based (LTI awards) &#x2013; 2.65 7.50 &#x2013; 2.46 0.75 0.66 0.94 2.69 10.15
Of which: deferred shares &#x2013; 2.65 7.50 &#x2013; 2.46 0.75 0.66 0.94 2.69 10.15
Other instruments or forms &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Total remuneration of MRTs 2.40 6.59 26.47 263.27 61.43 84.43 6.11 49.94 87.82 298.73
(1)  Fixed remuneration consists of salaries, allowances, pension and benefit funding.
(2)  Variable remuneration consists of a combination of annual bonus and long-term incentive awards, deferred over a four to seven year period in accordance with regulatory
requirements. Under the NatWest Group bonus deferral structure, immediate cash awards are limited to &#xA3;2,000 per person, with a further payment of cash and shares within Year 0.
(3)  Long-term incentive awards vest subject to the extent to which performance conditions were met and can result in zero payment.
(4)  Under CRD V regulations, a notional discount is available which allows variable pay to be awarded at a level that would otherwise exceed the 1:1 ratio, provided that variable pay is
delivered &#x2018;in instruments&#x2019; (shares) and deferred over five years or more. The discount rate was not used for remuneration awarded in respect of the 2021 performance year.
Derogations
The regulations allow some flexibility not to apply certain requirements that would normally apply to MRTs where an individual&#x2019;s
annual variable remuneration does not exceed &#xA3;44,000 and does not represent more than one third of the individual&#x2019;s total annual
remuneration (derogations permitted under point (b) of Article 94(3) of CRD V). We have used this flexibility to disapply MRT rules
relating to deferral and delivery of awards in shares for 274 MRTs in respect of the performance year 2021. Total remuneration
for&#x202F;these individuals in 2021 was &#xA3;35.88 million (of which &#xA3;31.16 million was fixed pay and &#xA3;4.72 million was variable pay).
Ratio between fixed and variable remuneration
The variable component of total remuneration for MRTs at NatWest Group shall not exceed 100% of the fixed component (except
where local jurisdictions apply a lower maximum ratio for variable pay). The average ratio between fixed and variable remuneration
for 2021 was approximately 1 to 0.42. The majority of MRTs were based in the UK.
NatWest Group plc &#x2013; Annual Report on Form 20-F 162 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g165.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Outstanding deferred remuneration
The table below includes deferred remuneration awarded or paid out in 2021 relating to prior performance years.
Deferred and retained remuneration
Total amount
of&#x202F;deferred
remuneration
awarded for
previous
performance
periods
&#xA3;m
Of which: due
to&#x202F;vest in the
financial year
&#xA3;m
Of which:
vesting in
subsequent
financial years
&#xA3;m
Amount of
performance
adjustment
to&#x202F;deferred
remuneration
that was due to
vest in the
financial year
&#xA3;m
Amount of
performance
adjustment
to&#x202F;deferred
remuneration
due to vest in
future financial
years
&#xA3;m
Total amount
of&#x202F;adjustment
during the
financial year
due to ex post
implicit
adjustments(1)
&#xA3;m
Total amount
of&#x202F;deferred
remuneration
awarded before
the financial
year actually
paid out in the
financial year
&#xA3;m
Total amount
of&#x202F;deferred
remuneration
awarded for
previous
performance
period that has
vested but is
subject to
retention
&#xA3;m
NatWest Group plc NEDs &#x2013; No deferred or retained remuneration held
NatWest Group plc EDs
Cash-based &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Shares or equivalent interests 7.23 0.88 6.36 (0.01) (0.06) 1.93 0.86 0.36
Other instruments or forms &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Other senior management
Cash-based &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Shares or equivalent interests 18.46 3.08 15.37 &#x2013; &#x2013; 4.96 3.09 2.04
Other instruments or forms &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Other MRTs
Cash-based &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Shares or equivalent interests 91.65 38.97 52.68 0.17 &#x2013; 24.75 38.32 34.67
Other instruments or forms &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013; &#x2013;
Total amount 117.34 42.93 74.41 0.16 (0.06) 31.64 42.27 37.07
(1)  i.e. Changes of value of deferred remuneration due to the changes of prices of instruments.
(2)  Deferred remuneration reduced during the year relates to long-term incentives that lapsed when performance conditions were not met, long-term incentives and deferred awards
forfeited on leaving and malus adjustments of prior year deferred awards and long-term incentives.
NatWest Group plc &#x2013; Annual Report on Form 20-F 163 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g166.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Guaranteed awards (including &#x2018;sign-on&#x2019; awards) and severance payments
Special payments
NatWest Group
plc NEDs
NatWest Group
plc EDs
Other senior
management Other MRTs
Guaranteed awards and sign on awards
Number of MRTs &#x2013; &#x2013; 1 2
&#xA3;m &#xA3;m &#xA3;m &#xA3;m
Total amount &#x2013; &#x2013; 0.12 0.26
Of which: paid during the financial year that are not taken into account in the
bonus cap &#x2013;&#x2013;&#x2013;&#x2013;
Severance payments awarded in previous periods,
paid out during the financial year
Number of MRTs &#x2013; &#x2013; 2 10
&#xA3;m &#xA3;m &#xA3;m &#xA3;m
Total amount &#x2013; &#x2013; 0.42 2.17
Severance payment awarded during the financial year
Number of MRTs &#x2013; &#x2013; 2 57
&#xA3;m &#xA3;m &#xA3;m &#xA3;m
Total amount &#x2013; &#x2013; 0.26 12.10
Of which: paid during the financial year &#x2013; &#x2013; 0.26 11.31
Of which: deferred &#x2013; &#x2013; &#x2013; 0.79
Of which: paid during the financial year that are not taken into account in the
bonus cap &#x2013; &#x2013; 0.26 12.10
Of which: highest payment that has been awarded to a single person &#x2013; &#x2013; 0.16 0.77
(1)  NatWest Group does not offer sign-on awards. Guaranteed awards may only be granted for new hires in exceptional circumstances in compensation for awards forgone on their
previous company and are limited to first year of service.
(2)  Severance payments and/or arrangements can be made to colleagues who leave NatWest Group in certain situations, including redundancy. Such payments are calculated by a
pre-determined formula set out within the relevant social plans, policies, agreements or local laws. Where local laws permit, there is a cap on the maximum amount that can be paid.
(3)  No severance payments in excess of contractual payments, local policies, standards or statutory amounts were made to MRTs during the year, other than payments to five individuals
totalling &#xA3;522,373. There were four non-standard payments totalling &#xA3;443,973 in relation to litigation and one non compete payment of &#xA3;78,410.
Total remuneration by band for all colleagues earning &gt;&#x20AC;1million
2021 Number of MRTs
&#x20AC;1.0 million to below &#x20AC;1.5 million 42
&#x20AC;1.5 million to below &#x20AC;2.0 million 14
&#x20AC;2.0 million to below &#x20AC;2.5million 6
&#x20AC;2.5 million to below &#x20AC;3.0 million &#x2013;
&#x20AC;3.0 million to below &#x20AC;3.5 million 1
&#x20AC;3.5 million to below &#x20AC;4.0 million &#x2013;
More than &#x20AC;4.0 million &#x2013;
Total 63
(1)  Total remuneration in the table above includes fixed pay, pension and benefit funding and variable pay.
(2)  Where applicable, the table is based on an average exchange rate of &#x20AC;1.163 to &#xA3;1 for 2021.
Colleagues who earned total remuneration of over &#x20AC;1 million in 2021 represent 0.09% of the workforce. These individuals include
those who manage major businesses and functions with responsibility for significant assets, earnings or areas of strategic activity
and can be grouped as follows:
clients with more complex financial transactions, including financial restructuring.
  &#x2013; Those responsible for managing balance sheet and liquidity and funding positions across the business.
Other remuneration disclosures continued
 &#x2013; The CEOs responsible for each area and their direct reports.
 &#x2013; Those who manage large business areas.
 &#x2013; Income generators responsible for high levels of income including those involved in managing trading activity and supporting
NatWest Group plc &#x2013; Annual Report on Form 20-F 164 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g167.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Compliance report
Statement of compliance
NatWest Group plc is committed to high standards of
corporate&#x202F;governance, business integrity and professionalism
in all its activities.
Throughout the year ended 31 December 2021, NatWest
Group plc has applied the Principles and complied with all of
the Provisions of the UK Corporate Governance Code issued
by the Financial Reporting Council dated July 2018 (the &#x2018;Code&#x2019;)
except in relation to:
  &#x2013; Provision 17, in respect of the requirement that the Group
Nominations and Governance Committee should ensure
plans are in place for orderly succession to both the
Board&#x202F;and senior management positions and oversee
the&#x202F;development of a diverse pipeline for succession; and
  &#x2013; Provision 33 that the Group Performance and Remuneration
Committee (Group RemCo) should have delegated
responsibility for setting remuneration for the Chairman
and&#x202F;executive directors.
In respect of Provision 17, whilst the Board is supported on
board succession by the Group Nominations and Governance
Committee, the Board considers this is a matter of significant
importance which should rightly be reserved for the full Board.
Adopting this approach ensures that all directors have an
opportunity to contribute to succession planning discussions
for&#x202F;Board and senior management, in support of achieving
an&#x202F;appropriate balance of skills, experience, knowledge and
diversity at senior levels within NatWest Group and on the
Board. It also means that all directors have an opportunity to
review, consider and become familiar with the next generation
of executive leaders.
In respect of Provision 33, the Board also considers that this is
a matter which should rightly be reserved for the Board and
this is an approach the Board has adopted for a number
of&#x202F;years. Remuneration for the executive directors is first
considered by the Group RemCo which then makes
recommendations to the Board for consideration. This
approach allows all non-executive directors, and not just
those&#x202F;who are members of the Group RemCo, to participate
in&#x202F;decisions on the executive directors&#x2019; and the Chairman&#x2019;s
remuneration and also allows the executive directors to input
to the decision on the Chairman&#x2019;s remuneration. The Board
believes this approach is very much in line with the spirit of the
Code and no director is involved in decisions regarding his or
her own remuneration. A copy of the Code can be found at
www.frc.org.uk.
The Board does not anticipate any changes to its approach on
these aspects of the Code.
Further information on how NatWest Group plc has applied the
Principles, and complied with the Provisions, of the Code can
be found in the Corporate governance section of this report,
which includes cross-references to relevant sections of the
Strategic report and other related disclosures.
NatWest Group plc has complied in all material respects with
the Financial Reporting Council Guidance on Audit Committees
issued in September 2012 and April 2016.
Under the US Sarbanes-Oxley Act of 2002, specific standards
of corporate governance and business and financial disclosures
and controls apply to companies with securities registered in
the US. NatWest Group plc complies with all applicable sections
of the US Sarbanes-Oxley Act of 2002, subject to a number of
exceptions available to foreign private issuers.
Internal control
The Board of Directors is responsible for the system of internal
controls that is designed to maintain effective and efficient
operations, compliant with applicable laws and regulations.
The system of internal controls is designed to manage, or
mitigate, risk to an acceptable residual level rather than
eliminate it entirely. Systems of internal control can only
provide reasonable and not absolute assurance against
material misstatement, fraud or loss.
NatWest Group operates a three lines of defence model, which
provides an effective apportionment of responsibilities and
accountabilities across the organisation. As part of its second
line of defence role, the Risk oversight function exercises
oversight and challenge of the risk management activities
undertaken by the first line of defence, which is responsible for
designing, implementing and maintaining effective processes,
procedures and controls to mitigate risks within risk appetite.
The Internal Audit function, which is the third line of defence,
undertakes independent and objective assurance activities and
provides reports to the Board and executive management on
the quality and effectiveness of governance, risk management
and internal controls to monitor, manage and mitigate risks in
achieving NatWest Group&#x2019;s objectives.
NatWest Group plc &#x2013; Annual Report on Form 20-F 165
Ongoing processes for the identification, evaluation and
management of the principal risks faced by NatWest Group
operated throughout the period from 1 January 2021 to 3
March 2022, the date the directors approved the Annual
Report on Form 20-F. These included the semi-annual Control
Environment Certification process, which requires senior
members of the executive and management to assess the
adequacy and effectiveness of their internal control
frameworks and certify that their business or function is
compliant with the requirements of Sarbanes-Oxley Section
404 and the UK Corporate Governance Code. The policies
that govern these processes &#x2013; and reports on internal controls
arising from them &#x2013; are reviewed by the Board and meet the
requirements of the Financial Reporting Council&#x2019;s Guidance on
Risk Management Internal Control and Related Financial and
Business Reporting.
The effectiveness of NatWest Group&#x2019;s internal controls is
reviewed regularly by the Board, the Group Audit Committee
and the Group Board Risk Committee. In addition, the Board
receives a risk management report at each scheduled Board
meeting. Executive management committees in each of
NatWest Group&#x2019;s businesses also receive regular reports on
significant risks facing their business and how these are being
controlled. Details of the bank&#x2019;s approach to risk management
are given in the Risk &amp; Capital Management section of the
Annual Report on Form 20-F.
While work continues to enhance the control environment
relating to financial crime risk, operational weaknesses
between 2012 and 2016 resulted in the inadequate monitoring
of a UK-incorporated NatWest Bank Plc customer. Regulations
require risk-sensitive ongoing monitoring of customers for the
purposes of preventing money laundering. NatWest Bank Plc
co-operated fully with the regulator&#x2019;s investigation into this
case and, in October 2021, pleaded guilty to three breaches
of the Money Laundering Regulations 2007. NatWest Group
takes its responsibility to prevent and detect financial crime
extremely seriously and continues to make significant multi-
year investments to strengthen and improve its overall financial
crime framework with prevention systems and capabilities.
Almost &#xA3;700 million has been invested in the last five years,
including upgrades to transaction monitoring systems,
automated customer screening and new customer due
diligence solutions.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g168.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Compliance report continued
While work continues to enhance the control environment
relating to financial crime risk, operational weaknesses
between 2012 and 2016 resulted in the inadequate monitoring
of a UK-incorporated NatWest Bank Plc customer. Regulations
require risk-sensitive ongoing monitoring of customers for the
purposes of preventing money laundering. NatWest Bank Plc
co-operated fully with the regulator&#x2019;s investigation into this
case and, in October 2021, pleaded guilty to three breaches
of&#x202F;the Money Laundering Regulations 2007. NatWest Group
takes its responsibility to prevent and detect financial crime
extremely seriously and continues to make significant multi-
year investments to strengthen and improve its overall financial
crime framework with prevention systems and capabilities.
Almost &#xA3;700 million has been invested in the last five years,
including upgrades to transaction monitoring systems,
automated customer screening and new customer due
diligence solutions.
NatWest Group continued to make enhancements to other
aspects of the wider control environment in 2021. This has
included the management of delivery of regulated programmes
such as the IRB programme, as required by Prudential
Regulatory Authority (PRA) and the European Banking
Authority (EBA). NWG continued to focus on the embedding of
a strong risk culture to support a robust control environment.
The remediation of known control issues continued to be an
important focus for both the Group Audit Committee and the
Board Risk Committee during 2021. For further information
on&#x202F;their oversight of remediation of the most significant issues,
please refer to the Report of the Group Audit Committee
and&#x202F;the Report of the Group Board Risk Committee. As part
of&#x202F;its activities, the Group Audit Committee has received
confirmation that management has taken, or is taking, action
to remedy significant failings or weaknesses identified through
NatWest Group&#x2019;s control framework.
While not being part of the bank&#x2019;s system of internal control,
the Group&#x2019;s independent auditors present to the Group Audit
Committee reports that include details of any significant
internal control deficiencies they have identified. Further,
the&#x202F;system of internal controls is also subject to regulatory
oversight in the UK and overseas. Additional details of
regulatory oversight are given in the Risk &amp; Capital
Management section.
While several planned activities designed to enhance the
control environment were disrupted by the extensive impact of
COVID-19 (thereby delaying the achievement of the NatWest
Group&#x2019;s control environment target), the control environment
remained largely stable in 2021. There was continuing
management focus on the delivery of regulatory programmes
&#x2013; including the internal transformation programme established
in response to updated IRB regulation from the Prudential
Regulatory Authority (PRA) and the European Banking
Authority (EBA) &#x2013; as well as a review of the controls and
processes relating to certain regulatory reporting. There was
also significant focus on work to enhance controls relating to
financial crime risks &#x2013; including ongoing work to strengthen
customer due diligence standards. The focus of the of NatWest
Group in establishing and maintaining a robust risk culture made
a valuable contribution to the overall control environment.
The remediation of known control issues remained a focus
of&#x202F;the Group Audit Committee and the Group Board Risk
Committee during 2021. For further information on their
oversight of remediation of the most significant issues, please
refer to the Report of the Group Audit Committee and the
Report of the Group Board Risk Committee. The Group Audit
Committee has received confirmation that management has
taken, or is taking, action to remedy significant failings or
weaknesses identified through NatWest Group&#x2019;s control
framework. The Group Audit Committee and the Group Board
Risk Committee will continue to focus on such remediation
activity, particularly in view of the transformation agenda.
While not being part of the Group&#x2019;s system of internal control,
the Group&#x2019;s independent auditors present to the Group Audit
Committee reports that include details of any significant
internal control deficiencies they have identified. Further,
the&#x202F;system of internal controls is also subject to regulatory
oversight in the UK and overseas. Additional details of
regulatory oversight are given in the Risk and capital
management section.
NatWest Group plc &#x2013; Annual Report on Form 20-F 166
Management's report on internal control over
financial reporting


 internal control over financial reporting is
a component of an overall system of internal control and is
designed to provide reasonable assurance regarding the
preparation, reliability and fair presentation of financial
statements for external purposes in accordance with
International Financial Reporting Standards (IFRS) and includes:

-   Policies and procedures that relate to the maintenance of
    records that, in reasonable detail, fairly and accurately reflect
    the transactions and disposition of assets.
-   Controls providing reasonable assurance that transactions
are recorded as necessary to permit the preparation of
financial statements in accordance with IFRS, and that
receipts and expenditures are being made only as
authorised by management.
urance regarding the -    Controls providing reasonable ass
prevention or timely detection of unauthorised
acquisition, use or disposition of assets that could have a
material effect on the financial statements.
Because of its inherent limitations, internal control over financial
reporting may not prevent or detect misstatements. In addition,
projections of any evaluation of effectiveness to future periods
are subject to the risk that controls may become inadequate
because of changes in conditions or because the degree of
compliance with policies or procedures may deteriorate.
Management is responsible for establishing and maintaining
adequate internal control over financial reporting for NatWest
Group.
NatWest Group&#x2019;s
Management has assessed the effectiveness of its internal
control over financial reporting as of 31 December 2021 based
on the criteria set forth by the Committee of Sponsoring
Organizations of the Treadway Commission in the 2013
publication of &#x2018;Internal Control - Integrated Framework&#x2019;. Based
on its assessment, management has concluded that, as of 31
December 2021, NatWest Group&#x2019;s internal  control over
financial reporting is effective. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g169.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Changes in internal control
There was no change in NatWest Group&#x2019;s internal control over
financial reporting that occurred during the period covered by
this report that has materially affected, or is reasonably likely
to materially affect, NatWest Group&#x2019;s internal control over
financial reporting.
The New York Stock Exchange
As a foreign private issuer with American Depository Shares
representing ordinary shares, preference shares and debt
securities listed on the New York Stock Exchange (the NYSE),
NatWest Group plc is not required to comply with all of the
NYSE governance standards applicable to US domestic
companies (the NYSE Standards) provided that it follows home
country practice in lieu of the NYSE Standards and discloses
any significant ways in which its corporate governance
practices differ from the NYSE Standards. NatWest Group plc
is also required to provide an Annual Written Affirmation to the
NYSE of its compliance with the mandatory applicable NYSE
Standards. In March 2021 NatWest Group plc submitted its
most recent Annual Written Affirmation to the NYSE which
confirmed NatWest Group plc&#x2019;s full compliance with the
applicable provisions.
The Board has reviewed its corporate governance
arrangements and is satisfied that these are consistent with
the NYSE Standards, subject to the following departures:
i.  NYSE Standards require the majority of the Board
to&#x202F;be independent. The NYSE Standards contain
different tests from the Code for determining
whether&#x202F;a director is independent. NatWest Group
plc&#x202F;follows the Code&#x2019;s requirements in determining
the independence of its directors and currently has
eight&#x202F;independent non-executive directors, one
of&#x202F;whom is the Senior Independent Director.
ii.  The NYSE Standards require non-management
directors to hold regular sessions without
management present, and that independent
directors&#x202F;meet at least once a year. The Code
requires the Chairman to hold meetings with non-
executive directors without the executives present
and non-executive directors are to meet without the
Chairman present at least once a year to appraise
the&#x202F;Chairman&#x2019;s performance and NatWest Group plc
complies with the requirements of the Code.
iii. The NYSE Standards require that the nominating/
corporate governance committee of a listed company
be composed entirely of independent directors. The
Chairman of the Board is also the Chairman of the
Group Nominations and Governance Committee,
which is permitted under the Code (since the
Chairman was considered independent on
appointment). The terms of reference of the Group
Nominations and Governance Committee differ in
certain limited respects from the requirements set out
in the NYSE Standards, including because the Group
Nominations and Governance Committee does not
have responsibility for overseeing the evaluation
of&#x202F;management.
iv. The NYSE standards require that the compensation
committee of a listed company be composed entirely
of independent directors. Although the members
of&#x202F;the Group RemCo are deemed independent in
compliance with the provisions of the Code, the Board
has not assessed the independence of the members
of&#x202F;the Group RemCo and Group RemCo has not
assessed the independence of any compensation
consultant, legal counsel or other adviser, in each
case, in accordance with the independence tests
prescribed by the NYSE Standards. The NYSE
Standards require that the compensation committee
must have direct responsibility to review and approve
the CEO&#x2019;s remuneration. As stated at the start of this
Compliance report, in the case of NatWest Group plc,
the Board rather than the Group RemCo reserves
the&#x202F;authority to make the final determination of
the&#x202F;remuneration of the CEO.
v.  The NYSE Standards require listed companies to
adopt and disclose corporate governance guidelines.
Throughout the year ended 31 December 2021,
NatWest Group plc has complied with all of the
provisions of the Code (subject to the exception
described above) and the Code does not require
NatWest Group plc to disclose the full range of
corporate governance guidelines with which
it&#x202F;complies.
vi. The NYSE Standards require listed companies to
adopt and disclose a code of business conduct and
ethics for directors, officers and employees, and
promptly disclose any waivers of the code for
directors or executive officers. NatWest Group has
adopted a code of conduct which is supplemented
by&#x202F;a number of key policies and guidance dealing
with&#x202F;matters including, among others, anti-bribery
and corruption, anti-money laundering, sanctions,
confidentiality, inside information, health, safety and
environment, conflicts of interest, market conduct and
management records. This code of conduct applies to
all officers and employees and is fully aligned to the
PRA and FCA Conduct Rules which apply to all
directors. The Code of Conduct is available to view
on&#x202F;NatWest Group&#x2019;s website at natwestgroup.com.
This Compliance report forms part of the Corporate
governance report and the Report of the directors.
NatWest Group plc &#x2013; Annual Report on Form 20-F 167
Disclosure controls and procedures
As required by Exchange Act rules, management (including
the Group CEO and Group CFO) have conducted an evaluation
of the effectiveness and design of NatWest Group&#x2019;s disclosure
controls and procedures (as defined in the Exchange Act rules)
as at 31 December 2021. Based on this evaluation,
management (including the Group CEO and Group CFO)
concluded that NatWest Group plc&#x2019;s disclosure controls and
procedures were effective as of the end of the period covered
by this Annual Report on Form 20-F.
The effectiveness of NatWest Group&#x2019;s internal control
over financial reporting as of 31 December 2021 has been
audited by Ernst &amp; Young LLP, NatWest Group&#x2019;s independent
registered public accounting firm. The report of the
independent registered public accounting firm to the directors
 of NatWest Group plc expresses an unqualified opinion on
NatWest Group&#x2019;s internal control over financial reporting as
of the 31 December 2021.
The Group Audit Committee fully complies with the mandatory
provisions of the NYSE Standards (including by reference to
the rules of the Exchange Act) that relate to the composition,
responsibilities and operation of audit committees. More
detailed information about the Group Audit Committee and
its work during 2021 is set out in the Group Audit Committee
report on pages 100 to 107 of this document.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g170.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">The directors present their report together with the audited
accounts for the year ended 31 December 2021.
Group structure
During 2018, in preparation for ring-fencing a number of changes
were made to the NatWest Group structure. Following these
changes the company owns three main subsidiaries, NatWest
Holdings Limited (the parent of the ring-fenced group which
includes National Westminster Bank Plc, The Royal Bank of
Scotland plc and Ulster Bank Ireland DAC), NatWest Markets Plc
(the investment bank and the parent of NatWest Markets N.V.)
and&#x202F;The Royal Bank of Scotland International (Holdings) Limited
(the parent of The Royal Bank of Scotland International&#x202F;Limited).
Following placing and open offers in December 2008 and in April
2009, HM Treasury (HMT) owned approximately 70.3% of&#x202F;the
enlarged ordinary share capital of the company. In December
2009, the company issued a further &#xA3;25.5 billion of&#x202F;new capital to
HMT in the form of B shares. HMT sold 630&#x202F;million of its holding of
the company&#x2019;s ordinary shares in August 2015. In October 2015
HMT converted its entire holding of 51 billion B shares into 5.1
billion new ordinary shares of &#xA3;1 each in the company. HMT sold a
further 925 million of its holding of the company&#x2019;s ordinary shares
in June 2018.
In March 2021, the company carried out an off-market purchase of
591 million of its ordinary shares from HMT.
In May 2021, HMT sold 580 million ordinary shares through
an&#x202F;accelerated book building process to institutional investors.
In July 2021, HMT announced its intention to sell part of its
shareholding over a 12 month period from August 2021 via
a&#x202F;trading plan, for up to 15% of the aggregate total trading&#x202F;volume.
At 31 December 2021, HMT&#x2019;s holding in the total voting rights of
the company was 52.96%. The percentage was correct as at&#x202F;the
date of notification on 5 November 2021.
Activities
NatWest Group is engaged principally in providing a wide range
of&#x202F;banking and other financial services. Further details of the
organisational structure and business overview of NatWest Group,
including the products and services provided by each of its
operating segments and the markets in which they operate
are&#x202F;contained in the Business review. Details of the strategy
for&#x202F;delivering the company&#x2019;s objectives can be found in the
Strategic report.
Results and dividends
UK company law provides that dividends can only be paid if&#x202F;a
company has sufficient distributable profits available to cover&#x202F;the
dividend. A company&#x2019;s distributable profits are its accumulated,
realised profits not previously distributed or capitalised, less its
accumulated, realised losses not previously written off in a
reduction or re-organisation of capital. At 31 December 2021,
NatWest Group Plc&#x2019;s distributable profits were&#x202F;&#xA3;31 billion.
In 2021 NatWest Group paid an interim dividend of &#xA3;347 million,
or&#x202F;3.0p per ordinary share (2020 &#x2013; nil).
The company has announced that the directors have recommended
a final dividend of &#xA3;844 million, or 7.5p per ordinary share (2020
&#x2013; &#xA3;364 million or 3.0p per ordinary share). The final dividend
recommended by directors is subject to shareholders&#x2019; approval
at&#x202F;the Annual General Meeting on 28&#x202F;April 2022.
If approved, payment will be made on 4 May 2022 to shareholders
on the register at the close of business on 18&#x202F;March 2022. The
ex-dividend date will be 17 March 2022.
Subject to above mentioned condition, the payment of interim
dividends on ordinary shares is at the discretion of the Board.
Colleagues
As at 31 December 2021, NatWest Group employed 57,800 people
(excluding temporary staff). Details of all related costs are included
in Note 3 to the consolidated accounts.
Employment for disabled persons
For colleagues with disabilities NatWest Group supports them with
workplace adjustments so that they can succeed. If a colleague
becomes disabled NatWest Group will, wherever possible, make
adjustments to support them in their existing role or re-deploy
them to a more suitable alternative role.
With external recruitment, the NatWest Group Careers site gives
comprehensive insights into NatWest Group jobs, culture, locations
and application processes. It also hosts a variety of blog content
to&#x202F;portray stories of what it is like to work at NatWest Group. The
company also makes sure that candidates can easily request any
adjustments to help complete their application or assessment.
Going concern
Report of
the directors
NatWest Group plc &#x2013; Annual Report on Form 20-F 168
Further details of the principal subsidiary undertakings are shown
in Note 33 of the consolidated financial statements.
The profit attributable to the ordinary shareholders of NatWest
Group plc for the year ended 31 December 2021 amounted
to &#xA3;2,950 million compared with a loss of &#xA3;753 million for the
year ended 31 December 2020, as set out in the consolidated
income statement on page 27 of the Annual Report on Form
20-F.
NatWest Group&#x2019;s business activities and financial position, the
factors likely to affect its future development and performance and
its objectives and policies in managing the financial risks to which
it is exposed and its capital are discussed in the Business review.
The risk factors which could materially affect NatWest Group&#x2019;s
future results are set out on pages 129 to 150 of the Annual
Report on Form 20-F. NatWest Group&#x2019;s regulatory capital
resources and significant developments in 2021 and anticipated
future developments are detailed in the Capital, liquidity and
funding section on pages 234 to 249 of this document. This section
 also describes NatWest Group&#x2019;s funding and liquidity profile,
including changes in key metrics and the build up of liquidity
reserves.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g171.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Having reviewed NatWest Group&#x2019;s principal risks, forecasts,
projections and&#x202F;other relevant evidence, the directors have a
reasonable expectation that the Group will continue in operational
existence for a period of 12 months from the date of this report.
Accordingly, the financial statements of NatWest Group and of
the&#x202F;company have been prepared on a going concern basis.
UK Code for Financial Reporting Disclosure
NatWest Group plc&#x2019;s 2021 financial statements have been
prepared in compliance with the principles set out in the Code for
Financial Reporting Disclosure published by the British Bankers&#x2019;
Association in 2010. The Code sets out five disclosure principles
together with supporting guidance. The principles are that NatWest
Group and other major UK banks will provide high quality,
meaningful and decision-useful disclosures; review and enhance
their financial instrument disclosures for key areas of interest to
market participants; assess the applicability and relevance of good
practice recommendations to their disclosures, acknowledging the
importance of such guidance; seek to enhance the comparability of
financial statement disclosures across the UK banking sector; and
clearly differentiate in their annual reports between information
that is audited and information that is unaudited.
Enhanced Disclosure Task Force (EDTF)
and&#x202F;Disclosures on Expected Credit Losses
(DECL) Taskforce recommendations
The EDTF, established by the Financial Stability Board, published
its report &#x2018;Enhancing the Risk Disclosures of Banks&#x2019; in October
2012, with an update in November 2015 covering IFRS 9 expected
credit losses (ECL). The DECL Taskforce, jointly established by the
Financial Conduct Authority, Financial Reporting Council and the
Prudential Regulatory Authority, published its phase 2 report
recommendations in December&#x202F;2019.
Authority to repurchase shares
At the Annual General Meeting in 2021 shareholders authorised
the company to make market purchases of up to&#x202F;1,216,656,575
ordinary shares. The directors utilised the authority obtained
at the 2021 AGM to conduct a share buyback programme (the
&#x2018;Programme&#x2019;) of up to &#xA3;750 million, as announced to the market on
30 July 2021. The Programme&#x2019;s purpose is to reduce the ordinary
share capital&#x202F;of NatWest Group.
Taking into account the reduction in issued ordinary share capital
which occurred as a result of the off-market buyback announced
on 19 March 2021, the maximum number of ordinary shares that
could be purchased by the company under the Programme was
1,157,583,542. The Programme commenced on 2 August 2021
and, as at 31 December 2021, 310,802,416 ordinary shares
(nominal value &#xA3;310,802,416) had been purchased by the company
at an average purchase price of 217.5796p per ordinary share for
the total consideration of &#xA3;676,242,656. A further 29,735,044
ordinary shares (nominal value &#xA3;29,735,044) were purchased by
the company from 1&#x202F;January to 18 January 2022 at an average
purchase price of&#x202F;245.5264p per ordinary share for the total
consideration of&#x202F;&#xA3;73,007,375. All of the purchased ordinary shares
were cancelled, representing 2.93% of the company&#x2019;s issued
ordinary share capital. Shareholders will be asked to renew
this&#x202F;authorisation at the Annual General Meeting in 2022.
The company utilised the authority it obtained at the 2020&#x202F;AGM
to&#x202F;make an off-market purchase of 590,730,325 ordinary shares
(nominal value &#xA3;590,730,325) in the company from HMT on 19
March 2021, at a price of 190.50p per ordinary share for the
total&#x202F;consideration of &#xA3;1,125,341,269, representing 4.86% of the
company&#x2019;s issued ordinary share capital. The company cancelled
390,730,325 of the purchased ordinary shares and held the
remaining 200,000,000 ordinary shares in treasury. The company
has used a total of 19,062,290 treasury shares to satisfy the
exercise of options and the vesting of share awards under the
employee share plans and the balance of ordinary shares held
in&#x202F;treasury as at&#x202F;31 December 2021 was 180,937,710.
At the 2021 Annual General Meeting, shareholders authorised&#x202F;the
company to make an off-market purchase of preference shares in
the company. The company announced on 15 December 2021 that
it had utilised this authority to purchase 157,546 5.5% cumulative
preference shares (nominal value &#xA3;157,546), representing 39.39%
of the share class, at a purchase price of 102%, for the total
consideration of &#xA3;160,697 and 259,314 11.00% cumulative
preference shares (nominal value &#xA3;259,314), representing 51.86%
of the share class, at a purchase price of 155%, for the total
consideration of &#xA3;401,937. The company cancelled all of the
purchased preference shares.
Additional information
Where not provided elsewhere in the Report of the directors, the
following additional information is required to be disclosed by Part
6 of Schedule 7 to the Large and Medium-sized Companies and
Groups (Accounts and Reports) Regulations&#x202F;2008.
The rights and obligations attached to the company&#x2019;s ordinary
shares and preference shares are set out in our Articles of
Association, copies of which can be obtained from Companies
House in the UK or can be found at natwestgroup.com. Non-
cumulative preference share details are set out in Note 22 of
the&#x202F;consolidated accounts.
The cumulative preference shares represent less than 0.005% of
the total voting rights of the company, the remainder being
represented by the ordinary shares.
In a show of hands at a General Meeting of the company, every
holder of ordinary shares and cumulative preference shares, present
in person or by proxy and entitled to vote, shall&#x202F;have one vote.
On a poll, every holder of ordinary shares or cumulative
preference shares present in person or by proxy and entitled
to&#x202F;vote, shall have four votes for every share held. The notices
of&#x202F;Annual General Meetings and General Meetings specify the
deadlines for exercising voting rights and appointing a proxy or
proxies to vote in relation to resolutions to be passed at the&#x202F;meeting.
There are no restrictions on the transfer of ordinary shares in the
company other than certain restrictions which may from time to
time be imposed by laws and regulations (for example, insider
trading laws). At the 2021 Annual General Meeting, shareholders
gave authority to directors to offer a scrip dividend alternative on
any dividend paid up to the conclusion of the Annual General
Meeting in 2024. Pursuant to the UK Listing Rules, certain
employees of the company require the approval of the company
to&#x202F;deal in the company&#x2019;s shares.
The rules governing the powers of directors, including in&#x202F;relation to
issuing or buying back shares and their appointment, are set out in
our Articles of Association. It will be&#x202F;proposed at the 2022 Annual
General Meeting that the directors&#x2019; authorities to allot shares under
the Companies Act&#x202F;2006 (the Companies Act) be renewed. The
Articles of Association may only be amended by a special
resolution at a General Meeting of shareholders. The company is
not aware of&#x202F;any agreements between shareholders that may
result in restrictions on the transfer of securities and/or voting
rights. There are no persons holding securities carrying special
rights with regard to control of the company. A number of the
company&#x2019;s employee share plans include restrictions on transfers
of shares while shares are subject to the plans. Note&#x202F;3 sets out a
summary of the plans.
On 6 February 2019 the company held a General Meeting and
shareholders approved a special resolution to give the company
authority to make off-market purchases of up to 4.99% of its
ordinary share capital in issuance from HMT (or its nominee) at
such times as the directors may determine is appropriate. Full
details of the proposal are set out in the Circular and Notice of
General Meeting available at natwestgroup.com. This authority
was renewed at the Annual General Meeting in 2021 and
shareholders will be asked to renew the authority at the
Annual General Meeting in 2022.
NatWest Group plc &#x2013; Annual Report on Form 20-F 169
NatWest Group plc&#x2019;s 2021 Annual Report on Form 20-F and
 Pillar 3 Report reflect EDTF and have regard to DECL
Taskforce recommendations.
Any information contained on websites linked or reports referenced in this section is for information only and will not be deemed to be incorporated by reference herein.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g172.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Report of the directors continued
Under the rules of certain employee share plans, voting rights&#x202F;are
exercised by the Trustees of the plan on receipt of&#x202F;participants&#x2019;
instructions. If a participant does not submit an&#x202F;instruction to the
Trustee no vote is registered.
For shares held in the company&#x2019;s other employee share trusts,
the&#x202F;voting rights are exercisable by the Trustees. However, in
accordance with investor protection guidelines, the Trustees
abstain from voting. The Trustees would take independent advice
before accepting any offer in respect of their shareholdings for the
company in a takeover bid situation. The&#x202F;Trustees have chosen
to&#x202F;waive their entitlement to the dividend on shares held by
the&#x202F;Trusts.
A change of control of the company following a takeover bid may
cause a number of agreements to which the company is party to
take effect, alter or terminate. All of the company&#x2019;s employee
share plans contain provisions relating to a change of control.
In&#x202F;the context of the company as a whole, these agreements
are&#x202F;not considered to be significant.
Directors
Howard Davies, Frank Dangeard, Patrick Flynn, Morten Friis,
Robert Gillespie, Yasmin Jetha, Katie Murray, Mike Rogers, Alison
Rose, Mark Seligman and Lena Wilson all served throughout the
year and to the date of signing of the financial&#x202F;statements.
All directors of the company are required to stand for election
or&#x202F;re-election annually by shareholders at the Annual&#x202F;General
Meeting and, in accordance with the UK Listing Rules, the election
or re-election of independent directors requires approval by all
shareholders and also by&#x202F;independent shareholders.
Directors&#x2019; interests
Directors&#x2019; indemnities
In terms of section 236 of the Companies Act, Qualifying Third
Party Indemnity Provisions have been issued by the company to
its&#x202F;directors, members of the NatWest Group and NWH Executive
Committees, individuals authorised by the PRA/FCA, certain
directors and/or officers of NatWest Group subsidiaries and
all&#x202F;trustees of NatWest Group pension schemes.
Controlling shareholder
In accordance with the UK Listing Rules, the company has entered
into an agreement with HM Treasury (the &#x2018;Controlling Shareholder&#x2019;)
which is intended to ensure that the Controlling Shareholder
complies with the independence provisions set out&#x202F;in the UK
Listing&#x202F;Rules. The company has complied with the independence
provisions in the relationship agreement and&#x202F;as far as the company
is aware the independence and procurement provisions in the
relationship agreement have been complied with in the period
by&#x202F;the controlling shareholder.
Shareholdings
The table below shows shareholders that have notified NatWest
Group that they hold more than 3% of the total voting&#x202F;rights of the
company at 31 December 2021.
Ordinary
shares
(millions)
% of issued
share capital
with voting
rights held1
Solicitor For The Affairs of
Her Majesty&#x2019;s Treasury as Nominee
for Her Majesty&#x2019;s Treasury 6,038 52.96
Norges Bank 348 3.07
(1)  Percentages provided were correct at the date of notification on 5 November 2021.
On 11 February 2022 a notification under Rule 5 of the Disclosure
and Transparency Rules (&#x2018;DTR&#x2019;) was received from&#x202F;HMT notifying
that they held 5,735 million ordinary shares, representing 50.94% of
the issued share capital with&#x202F;voting rights.
As at 17 February 2022, no further notifications have been
received under Rule 5 of the DTR.
Listing rule 9.8.4
Political donations
At the Annual General Meeting in 2021, shareholders gave
authority under Part 14 of the Companies Act 2006, for a period of
one year, for the company (and its subsidiaries) to make political
donations and incur political expenditure up to a maximum
aggregate sum of &#xA3;100,000. This authorisation was taken as a
precaution only, as the company has a longstanding policy of not
making political donations or incurring political expenditure within
the ordinary meaning of those words.
During 2021, NatWest Group made no political donations,
nor&#x202F;incurred any political expenditure in the UK or EU and it is&#x202F;not
proposed that NatWest Group&#x2019;s longstanding policy of not making
contributions to any political party be changed. Shareholders will
be asked to renew this authorisation at the&#x202F;Annual General
Meeting in 2022.
Directors&#x2019; disclosure to auditors
Each of the directors at the date of approval of this report
confirms&#x202F;that:
(a) so far as the director is aware, there is no relevant audit
information of which the company&#x2019;s auditors are unaware; and
(b) the director has taken all the steps that he/she ought to have
taken as a director to make himself/herself aware of any relevant
audit information and to establish that the company&#x2019;s auditors are
aware of that information.
This confirmation is given and should be interpreted in accordance
with the provisions of section 418 of the Companies Act.
Auditors
Ernst &amp; Young LLP (EY LLP) are the auditors and have
indicated their willingness to continue in office. A resolution to
re-appoint EY LLP as the company&#x2019;s auditors will be proposed
at the forthcoming Annual General Meeting.
By order of the Board
Jan Cargill
Chief Governance Officer and Company Secretary
17 February 2022
NatWest Group plc
is registered in Scotland No. SC45551
NatWest Group plc &#x2013; Annual Report on Form 20-F 170
The names and brief biographical details of the current directors
are shown on pages 82 to 85 of this document.
The information to be disclosed in the Annual Report on Form 20-F
under LR 9.8.4, is set out in this Directors&#x2019; report with the exception
 of details of contracts of significance under LR 9.8.4 (10) and (11)
given in Material contracts on page 154 of the NatWest Group
Annual Report on Form 20-F.
The interests of the directors in the shares of the company at
31 December 2021 are shown on page 155 of this document.
None of the directors held an interest in the loan capital of the
company or in the shares or loan capital of any of the subsidiary
undertakings of the company, during the period from 1 January
2021 to 17 February 2022.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1168"src="nwg-20211231xex15d2g173.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">  &#x2013; select suitable accounting policies and then apply them consistently;
  &#x2013; make judgments and estimates that are reasonable, relevant and reliable; and
  &#x2013; state whether applicable accounting standards have been followed, subject to any material departures disclosed and explained
in the financial statements.
  &#x2013; prepare the financial statements on a going concern basis unless it is inappropriate to presume that the company and Group will
continue in business.
Under applicable law and regulations, the directors are also responsible for preparing a Strategic report, Directors&#x2019; report,
Directors&#x2019; remuneration report and Corporate governance statement that comply with that law and those regulations. The directors
are responsible for the maintenance and integrity of the corporate and financial information included on the company&#x2019;s website.
The directors confirm that to the best of their knowledge:
  &#x2013; the financial statements, prepared in accordance with UK adopted International Accounting Standards, International Financial
Reporting Standards as issued by the International Accounting Standards Board and IFRS as adopted by the European Union,
give a true and fair view of the assets, liabilities, financial position and profit or loss of the company and the undertakings
included in the consolidation taken as a whole; and
  &#x2013; the Strategic report and Directors&#x2019; report (incorporating the Financial review) include a fair review of the development and
performance of the business and the position of the company and the undertakings included in the consolidation taken as
a&#x202F;whole, together with a description of the principal risks and uncertainties that they face.
By order of the Board
Howard Davies
Chairman
Alison Rose-Slade
Group Chief Executive Officer
Katie Murray
Group Chief Financial Officer
17 February 2022
Board of directors
Chairman
Howard Davies
Executive directors
Alison Rose-Slade
Katie Murray
Non-executive directors
Frank Dangeard
Patrick Flynn
Morten Friis
Robert Gillespie
Yasmin Jetha
Mike Rogers
Mark Seligman
Lena Wilson
NatWest Group plc &#x2013; Annual Report on Form 20-F 171
The directors are responsible for the preparation of the Annual Report on Form 20-F. The directors are required to prepare Group
financial statements, and as permitted by the Companies Act 2006 have elected to prepare company financial statements, for each
financial year in accordance with UK adopted International Accounting Standards, International Financial Reporting Standards as
issued by the International Accounting Standards Board and IFRS as adopted by the European Union. They are responsible for
preparing financial statements that present fairly the financial position, financial performance and cash flows of NatWest Group.
In preparing those financial statements, the directors are required to:
The directors are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time
the financial position of NatWest Group and to enable them to ensure that the Annual Report on Form 20-F complies with the
Companies Act 2006. They are also responsible for safeguarding the assets of NatWest Group and hence for taking reasonable
steps for the prevention and detection of fraud and other irregularities.
In addition, the directors are of the opinion that the Annual Report on Form 20-F, taken as a whole, are fair, balanced and
understandable and provide the information necessary for shareholders to assess the company&#x2019;s position and performance,
business model and strategy.
This statement should be read in conjunction with the responsibilities of the auditor set out in their report on pages 22 to 26 of
 the Annual Report on Form 20-F.
Statement of directors&#x2019; responsibilities</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g174.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and
capital
management
172 Risk and capital management
173 Presentation of information
173 Update on COVID-19
173 Risk management framework
173 Introduction
173 Culture
174 Governance
176 Risk appetite
177 Identification and measurement
177 Mitigation
177 Testing and monitoring
177 Stress testing
181 Credit risk
181 Definition, sources of risk and key developments
181 Governance and risk appetite
181 Identification and measurement
181 Mitigation
182 Assessment and monitoring
183 Problem debt management
184 Forbearance
184 Impairment, provisioning and write-offs
187 Significant increase in credit risk and asset lifetimes
189    Economic loss drivers and UK economic uncertainty
195     Measurement uncertainty and ECL sensitivity analysis
197     Measurement uncertainty and ECL adequacy
198     Banking activities
229 Trading activities
233 Capital, liquidity and funding risk
233 Definitions and sources of risk
234 Capital, liquidity and funding management
235 Key points
236 Minimum requirements
237 Measurement
250 Market risk
250 Non-traded market risk
258 Traded market risk
261 Market risk &#x2013; linkage to balance sheet
262 Pension risk
263 Compliance &amp; conduct risk
263 Financial crime risk
264 Climate risk
265 Operational risk
268 Model risk
268 Reputational risk</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g175.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management
NatWest Group plc &#x2013; Annual Report on Form 20-F 173
Presentation of information
Update on COVID-19
While the immediate disruption diminished during the year, the
ongoing impacts of the global pandemic remained a significant
focus for risk management in 2021 and uncertainty in the
operating environment continued. NatWest Group remained
committed to supporting its customers while operating safely
and soundly in line with its strategic objectives.
Against the backdrop of a slowly-recovering economy, the
credit risk profile remains heightened and there is an
expectation that the impacts of the pandemic will continue to
be seen in the performance of NatWest Group&#x2019;s portfolios for
some time. NatWest Group anticipates increased default levels
in 2022 as a result.
While the direct impact on NatWest Group&#x2019;s operational risk
profile reduced, NatWest Group continued to closely monitor
the second-order impacts on its transformation agenda, with a
significant focus on managing resource to protect key
regulatory deliveries. The continued evolution of NatWest
Group&#x2019;s ways of working &#x2013; to include large-scale working from
home &#x2013; also required significant operational risk focus,
particularly in terms of business resilience.
As a result of its strong balance sheet and prudent approach to
risk management, NatWest Group remains well placed to
withstand these aftershocks as well as providing support to
customers when they need it most.
Risk management framework
Introduction
NatWest Group operates an enterprise-wide risk management
framework, which is centred around the embedding of a strong
risk culture. The framework ensures the governance,
capabilities and methods are in place to facilitate risk
management and decision-making across the organisation.
The framework ensures that NatWest Group&#x2019;s principal risks &#x2013;
which are detailed in this section &#x2013; are appropriately controlled
and managed. It sets out the standards and objectives for risk
management as well as defining the division of roles and
responsibilities.
This seeks to ensure a consistent approach to risk management
across NatWest Group and its subsidiaries. It aligns risk
management with NatWest Group&#x2019;s overall strategic objectives.
The framework, which is designed and maintained by NatWest
Group&#x2019;s independent Risk function, is owned by the Chief Risk
Officer. It is reviewed and approved annually by the Board. The
framework incorporates risk governance, NatWest Group&#x2019;s
three lines of defence operating model and the Risk function&#x2019;s
mandate.
Risk appetite, supported by a robust set of principles, policies
and practices, defines the levels of tolerance for a variety of
risks and provides a structured approach to risk-taking within
agreed boundaries.
While all NatWest Group colleagues are responsible for
managing risk, the Risk function provides oversight and
monitoring of risk management activities, including the
implementation of the framework and adherence to its
supporting policies, standards and operational procedures. The
Chief Risk Officer plays an integral role in providing the Board
with advice on NatWest Group&#x2019;s risk profile, the performance of
its controls and in providing challenge where a proposed
business strategy may exceed risk tolerance.

In addition, there is a process to identify and manage top risks,
which are those that could have a significant negative impact
on NatWest Group&#x2019;s ability to meet its strategic objectives. A
complementary process operates to identify emerging risks.
Both top and emerging risks may incorporate aspects of &#x2013; or
correlate to &#x2013; a number of principal risks and are reported
alongside them to the Board on a regular basis.
Culture
Risk culture is at the heart of NatWest Group&#x2019;s risk
management framework and its risk management practice.
The risk culture target is to make risk part of the way
employees work and think.
A focus on leaders as role models and action to build clarity,
develop capability and motivate employees to reach the
required standards of behaviour are key to achieving the risk
culture target. Colleagues are expected to:
&#xF02D; Take personal responsibility for understanding and proactively
managing the risks associated with individual roles.
&#xF02D; Respect risk management and the part it plays in daily work.
&#xF02D; Understand the risks associated with individual roles.
&#xF02D; Align decision-making to NatWest Group&#x2019;s risk appetite.
&#xF02D; Consider risk in all actions and decisions.
&#xF02D; Escalate risks and issues early; taking action to mitigate risks
and learning from mistakes and near-misses.
&#xF02D; Challenge others&#x2019; attitudes, ideas and actions.
&#xF02D; Report and communicate risks transparently.

The target risk culture behaviours are embedded in NatWest
Group&#x2019;s Critical People Capabilities and are clearly aligned to
the core values of &#x201C;serving customers&#x201D;, &#x201C;working together&#x201D;,
&#x201C;doing the right thing&#x201D; and &#x201C;thinking long term&#x201D;. These act as
an effective basis for a strong risk culture because the Critical
People Capabilities form the basis of all recruitment and
selection processes.
Training
Enabling employees to have the capabilities and confidence to
manage risk is core to NatWest Group&#x2019;s learning strategy.
NatWest Group offers a wide range of learning, both technical
and behavioural, across the risk disciplines. This training can be
mandatory, role-specific or for personal development.
Mandatory learning for all staff is focused on keeping
employees, customers and NatWest Group safe. This is easily
accessed online and is assigned to each person according to
their role and business area. The system allows monitoring at
all levels to ensure completion.
Our Code
NatWest Group&#x2019;s conduct guidance, Our Code, provides
direction on expected behaviour and sets out the standards of
conduct that support the values. The code explains the effect of
decisions that are taken and describes the principles that must
be followed.
These principles cover conduct-related issues as well as wider
business activities. They focus on desired outcomes, with
practical guidelines to align the values with commercial
strategy and actions. The embedding of these principles
facilitates sound decision-making and a clear focus on good
customer outcomes.
Where marked as audited in the section header, certain
information in the Risk and capital management section (pages
172 to 269 of this document) is within the scope of the
Independent auditor&#x2019;s report.
Where appropriate, if conduct falls short of NatWest Group&#x2019;s
required standards, the accountability review process is used to
assess how this should be reflected in pay outcomes for the
individuals concerned (for more information on this process
refer to page 139 of this document). The NatWest Group
remuneration policy ensures that the remuneration
arrangements for all employees reflect the principles and
standards prescribed by the PRA rulebook and the FCA
handbook. Any employee falling short of the expected
standards would also be subject to internal disciplinary policies
and procedures. If appropriate, the relevant authority would be
notified. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g176.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 174
Risk management framework continued
Governance
Committee structure
The diagram shows NatWest Group&#x2019;s risk committee structure in 2021 and the main purposes of each committee.




































(1) The Group Executive Risk Committee is chaired by the Group Chief Executive Officer and supports her (and other accountable executives) in discharging risk management
accountabilities.
(2) The Group Executive Committee is chaired by the Group Chief Executive Officer and supports her in discharging her individual accountabilities in accordance with the authority
delegated to her by the Board.
(3) The Group Asset &amp; Liability Management Committee is chaired by the Group Chief Financial Officer and supports her in discharging her individual accountabilities relating to
treasury and balance sheet management.
(4) In addition, the Group Technical Asset &amp; Liability Management Committee, chaired by the Group Treasurer, provides oversight of capital and balance sheet management in line with
approved risk appetite under normal and stress conditions. Reviews and challenges the financial strategy, risk management, balance sheet and remuneration and policy implications
of the Group&#x2019;s pension schemes.
(5) The Group Executive Disclosure Committee is chaired by the Group Chief Financial Officer and supports her in discharging her accountabilities relating to the production and
integrity of the Group&#x2019;s financial information and disclosures.



NatWest Group plc Board










Group Board Risk
Committee
Provides oversight and
advice to the Board on
current and future risk
exposures, risk profile, risk
appetite and risk culture.
Reviews the design and
implementation of the risk
management framework
and provides input to
remuneration d ecisions.
Group Asset &amp;
Liability
Management
Committee (3, 4)

Supports the Group CFO in
overseeing the effective
management of the Group&#x2019;s
current and future balance
sheet in line with Board-
approved strategy and
 risk appetite.

Group Executive Risk
Committee (1)
Reviews, challenges and
debates all material risk and
control matters across the
Group. Supports the CEO and
other accountable executives in
discharging risk management
accountabilities. Considers the
Group&#x2019;s risk profile relative to
current and future strategy and
oversees implementation of the
risk management framework.

Group Executive
Committee (2)
Supports the Group CEO in
discharging her individual
accountabilities including matters
relating to strategy, financials,
capital, risk and operational
issues. Monitors the
implementation of culture
change. Supports the Group CEO
in forming recommendations to
the Board and to relevant Board
committees.

Group Audit
Committee
Assists the Board in carrying
out its accounting, internal
control and financial
reporting responsibilities.
Reviews the effectiveness of
internal controls systems
relating to financial
management and
compliance with financial
reporting, asset
safeguarding and
accounting standards.

Considers material risks and approves, as appropriate, actions recommended by the Group Board Risk Committee.
Monitors performance against risk appetite. Reviews and approves the risk appetite framework and qualitative
statements of risk appetite for all key risks.
 Group Executive
Disclosure Committee (5)

Ensures that NatWest Group
and relevant subsidiary
disclosures are accurate,
complete and fair. Supports the
Group CRO in reviewing and
evaluating all significant
expected credit losses and the
Group CFO in reviewing and
evaluating related provisions
and valuations.
.. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g177.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 175
Risk management framework continued
Risk management structure
The diagram shows NatWest Group&#x2019;s risk management structure in 2021 and key risk management responsibilities.

























































(1) The Group Chief Executive Officer also performs the NWH Chief Executive Officer role.
(2) The Group Chief Risk Officer also performs the NWH Chief Risk Officer role.
(3) The NWH Risk function provides risk management services across NWH, including to the NWH Chief Risk Officer and &#x2013; where agreed &#x2013; to NWM and RBSI Chief Risk Officers. These
services are managed, as appropriate, through service level agreements.
(4) The NWH Risk function is independent of the NWH customer-facing franchises and support functions. Its structure is divided into three parts (Directors of Risk, Specialist Risk
Directors and Chief Operating Officer) to facilitate effective management of the risks facing NWH. Risk committees in the customer businesses oversee risk exposures arising from
management and business activities and focus on ensuring that these are adequately monitored and controlled. The Directors of Risk, (Retail Banking; Commercial Banking; wealth
businesses; Financial &amp; Strategic Risk; Non-Financial Risk &amp; Frameworks and Compliance &amp; Conduct) as well as the Director, Financial Crime Risk NatWest Holdings and the Chief
Operating Officer report to the NWH Chief Risk Officer. The Director of Risk, Ulster Bank Ireland DAC reports to the Ulster Bank Ireland DAC Chief Executive. He also has a
reporting line to the NWH Chief Risk Officer and to the Chair of the Ulster Bank Ireland DAC Board Risk Committee.
(5) The Chief Risk Officers for NWM and RBSI have dual reporting lines into the Group Chief Risk Officer and the respective Chief Executive Officers of their entities. There are
additional reporting lines to the NWM and RBSI Board Risk Committee chairs and a right of access to the respective Risk Committees.

NWM
Chief Risk
Officer
NWH
Chief Risk
Officer
Leads the NatWest Group Risk function. Defines and delivers
the risk, conduct, compliance and financial crime strategies.
Defines overall risk service provision requirements to enable
delivery of NatWest Group strategies, including policies,
governance, frameworks, oversight and challenge, risk
culture and risk reporting. Contributes to the development of
strategy, transformation and culture as a member of the
Executive Committee.
RBSI
Chief Executive
Officer
NWH
Chief Executive
Officer
NWM
Chief Executive
Officer
RBS Chief
Executive
Group
Chief Risk
Officer
RBSI
Chief Risk
Officer
Group
Chief Executive
Officer
Leads the NWH Risk function. Responsibilities include policy,
governance, frameworks, oversight and challenge, risk
culture and reporting. Delivers risk services across NatWest
Group governed by appropriate service level agreements.
Contributes to NWH strategy as a member of the NWH
Executive Committee.

Leads the NWM Risk function. Responsibilities include policy,
governance, frameworks, oversight and challenge, risk
culture and reporting. Contributes to NWM strategy as a
member of the NWM Executive Committee.

Leads the RBSI Risk function. Responsibilities include policy,
governance, frameworks, oversight and challenge, risk
culture and reporting. Contributes to RBSI strategy as a
member of the RBSI Executive Committee. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g178.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 176
Risk management framework continued
Three lines of defence
NatWest Group uses the industry-standard three lines of
defence model to articulate accountabilities and responsibilities
for managing risk. This supports the embedding of effective risk
management throughout the organisation. All roles below the
CEO sit within one of the three lines. The CEO ensures the
efficient use of resources and the effective management of
risks as stipulated in the risk management framework and is
therefore considered to be outside the three lines of defence
principles.
First line of defence
The first line of defence incorporates most roles in NatWest
Group, including those in the customer-facing franchises,
Technology and Services as well as support functions such as
Human Resources, Legal and Finance.
The first line of defence is empowered to take risks within the
constraints of the risk management framework and policies as
well as the risk appetite statements and measures set by the
Board.
The first line of defence is responsible for managing its direct
risks. With the support of specialist functions such as Legal,
Human Resources and Technology, it is also responsible for
managing its consequential risks by identifying, assessing,
mitigating, monitoring and reporting risks.
Second line of defence
The second line of defence comprises the Risk function and is
independent of the first line.
The second line of defence is empowered to design and
maintain the risk management framework and its components.
It undertakes proactive risk oversight and continuous
monitoring activities to confirm that NatWest Group engages in
permissible and sustainable risk-taking activities.
The second line of defence advises on, monitors, challenges,
approves, escalates and reports on the risk-taking activities of
the first line, ensuring that these are within the constraints of
the risk management framework and policies as well as the risk
appetite statements and measures set by the Board.
Third line of defence
The third line of defence is the Internal Audit function and is
independent of the first and second lines.
The third line of defence is responsible for providing
independent and objective assurance to the Board, its
subsidiary legal entity boards and executive management on
the adequacy and effectiveness of key internal controls,
governance and the risk management in place to monitor,
manage and mitigate the key risks to NatWest Group and its
subsidiary companies achieving their objectives.
The third line of defence executes its duties freely and
objectively in accordance with the Chartered Institute of
Internal Auditors&#x2019; Code of Ethics and International Standards.
Risk appetite
Risk appetite defines the type and aggregate level of risk
NatWest Group is willing to accept in pursuit of its strategic
objectives and business plans. Risk appetite supports sound risk
taking, the promotion of robust risk practices and risk
behaviours, and is calibrated annually.



For certain principal risks, risk capacity defines the maximum
level of risk NatWest Group can assume before breaching
constraints determined by regulatory capital and liquidity
requirements, the operational environment, and from a conduct
perspective. Establishing risk capacity helps determine where
risk appetite should be set, ensuring there is a buffer between
internal risk appetite and NatWest Group&#x2019;s ultimate capacity to
absorb losses.
Risk appetite framework
The risk appetite framework supports effective risk
management by promoting sound risk-taking through a
structured approach, within agreed boundaries. It also ensures
emerging risks and risk-taking activities that might be out of
appetite are identified, assessed, escalated and addressed in a
timely manner.
To facilitate this, a detailed annual review of the framework is
carried out. The review includes:
&#xF02D; Assessing the adequacy of the framework when compared
to internal and external expectations.
&#xF02D; Ensuring the framework remains effective and acts as a
strong control environment for risk appetite.
&#xF02D; Assessing the level of embedding of risk appetite across the
organisation.
The Board approves the risk appetite framework annually.
Establishing risk appetite
In line with NatWest Group&#x2019;s risk appetite framework, risk
appetite is maintained across NatWest Group through risk
appetite statements. These are in place for all principal risks
and describe the extent and type of activities that can be
undertaken.
Risk appetite statements consist of qualitative statements of
appetite supported by risk limits and triggers that operate as a
defence against excessive risk-taking. Risk measures and their
associated limits are an integral part of the risk appetite
approach and a key part of embedding risk appetite in day-to-
day risk management decisions. A clear tolerance for each
principal risk is set in alignment with business activities.
The annual process of reviewing and updating risk appetite
statements is completed alongside the business and financial
planning process. This ensures that plans and risk appetite are
appropriately aligned.
The Board sets risk appetite for all principal risks to help ensure
NatWest Group is well placed to meet its priorities and long-
term targets even in challenging economic environments. This
supports NatWest Group in remaining resilient and secure as it
pursues its strategic business objectives.
NatWest Group&#x2019;s risk profile is frequently reviewed and
monitored. Management focus is concentrated on all principal
risks as well as the top and emerging risk issues which may
correlate to them. Risk profile relative to risk appetite is
reported regularly to senior management and the Board.
NatWest Group policies directly support the qualitative aspects
of risk appetite. They define the qualitative expectations,
guidance and standards that stipulate the nature and extent of
permissible risk taking and are consistently applied across
NatWest Group and its subsidiaries.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g179.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 177
Risk management framework continued
Identification and measurement
Identification and measurement within the risk management
process comprises:
&#xF02D; Regular assessment of the overall risk profile, incorporating
market developments and trends, as well as external and
internal factors.
&#xF02D; Monitoring of the risks associated with lending and credit
exposures.
&#xF02D; Assessment of trading and non-trading portfolios.
&#xF02D; Review of potential risks in new business activities and
processes.
&#xF02D; Analysis of potential risks in any complex and unusual
business transactions.
The financial and non-financial risks that NatWest Group faces
are detailed in its Risk Directory. This provides a common risk
language to ensure consistent terminology is used across
NatWest Group. The Risk Directory is subject to annual review
to ensure it continues to fully reflect the risks that NatWest
Group faces.
Mitigation
Mitigation is a critical aspect of ensuring that risk profile
remains within risk appetite. Risk mitigation strategies are
discussed and agreed within NatWest Group.
When evaluating possible strategies, costs and benefits, residual
risks (risks that are retained) and secondary risks (those that
arise from risk mitigation actions themselves) are also
considered. Monitoring and review processes are in place to
evaluate results. Early identification, and effective management
of changes in legislation and regulation are critical to the
successful mitigation of compliance and conduct risk. The
effects of all changes are managed to ensure the timely
achievement of compliance. Those changes assessed as having
a high or medium-high impact are managed more closely.
Emerging risks that could affect future results and performance
are also closely monitored. Action is taken to mitigate potential
risks as and when required. Further in-depth analysis, including
the stress testing of exposures, is also carried out.
Testing and monitoring
Targeted risk processes and controls &#x2013; including controls within
the scope of Section 404 of the Sarbanes-Oxley Act 2002 &#x2013; are
subject to independent testing and monitoring.
This activity is carried out to confirm to both internal and
external stakeholders &#x2013; including the Board, senior
management, the customer-facing franchises, Internal Audit and
NatWest Group&#x2019;s regulators &#x2013; that such processes and controls
are being correctly implemented and operate adequately and
effectively. A consistent testing and monitoring methodology is
in place across NatWest Group.
Testing and monitoring activity focuses on processes and
controls relating to credit risk, financial crime risk, operational
resilience, and compliance and conduct risk. However, a range
of controls and processes relating to other risk types is also
subject to testing and monitoring activity as deemed appropriate
within the context of a robust control environment.
The Risk Testing &amp; Monitoring Forum assesses and validates the
annual plan as well as the ongoing programme of reviews.

Stress testing
Stress testing &#x2013; capital management
Stress testing is a key risk management tool and a fundamental
component of NatWest Group&#x2019;s approach to capital
management. It is used to quantify and evaluate the potential
impact of specified changes to risk factors on the financial
strength of NatWest Group, including its capital position.
Stress testing includes:
&#xF02D; Scenario testing, which examines the impact of a
hypothetical future state to define changes in risk factors.
&#xF02D; Sensitivity testing, which examines the impact of an
incremental change to one or more risk factors.

The process for stress testing consists of four broad stages:

Define
scenarios

&#xF02D; Identify macro and NatWest Group
specific vulnerabilities and risks.
&#xF02D; Define and calibrate scenarios to
examine risks and vulnerabilities.
&#xF02D; Formal governance process to agree
scenarios.
Assess
impact

&#xF02D; Translate scenarios into risk drivers.
&#xF02D; Assess impact to current and projected
P&amp;L and balance sheet across NatWest
Group.
Calculate
results and
assess
implications
&#xF02D; Aggregate impacts into overall results.
&#xF02D; Results form part of the risk
management process.
&#xF02D; Scenario results are used to inform
business and capital plans.
Develop and
agree
management
actions

&#xF02D; Scenario results are analysed by
subject matter experts. Appropriate
management actions are then
developed.
&#xF02D; Scenario results and management
actions are reviewed by the relevant
Executive Risk Committees and Board
Risk Committees and agreed by the
relevant Boards.

Stress testing is used widely across NatWest Group. The
diagram below summarises key areas of focus.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g180.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 178
Risk management framework continued
Specific areas that involve capital management include:
&#xF02D; Strategic financial and capital planning &#x2013; by assessing the
impact of sensitivities and scenarios on the capital plan and
capital ratios.
&#xF02D; Risk appetite &#x2013; by gaining a better understanding of the
drivers of, and the underlying risks associated with, risk
appetite.
&#xF02D; Risk monitoring &#x2013; by monitoring the risks and horizon
scanning events that could potentially affect NatWest
Group&#x2019;s financial strength and capital position.
&#xF02D; Risk mitigation &#x2013; by identifying actions to mitigate risks, or
those that could be taken, in the event of adverse changes
to the business or economic environment. Key risk
mitigating actions are documented in NatWest Group&#x2019;s
recovery plan.
Reverse stress testing is also carried out in order to identify
circumstances that may lead to specific, defined outcomes such
as business failure. Reverse stress testing allows potential
vulnerabilities in the business model to be examined more fully.
Capital sufficiency &#x2013; going concern forward-looking view
Going concern capital requirements are examined on a
forward-looking basis &#x2013; including as part of the annual
budgeting process &#x2013; by assessing the resilience of capital
adequacy and leverage ratios under hypothetical future states.
These assessments include assumptions about regulatory and
accounting factors (such as IFRS 9). They incorporate
economic variables and key assumptions on balance sheet and
P&amp;L drivers, such as impairments, to demonstrate that NatWest
Group and its operating subsidiaries maintain sufficient capital.
A range of future states are tested. In particular, capital
requirements are assessed:
&#xF02D; Based on a forecast of future business performance, given
expectations of economic and market conditions over the
forecast period.
&#xF02D; Based on a forecast of future business performance under
adverse economic and market conditions over the forecast
period. Scenarios of different severity may be examined.

The potential impact of normal and adverse economic and
market conditions on capital requirements is assessed through
stress testing, the results of which are not only used widely
across NatWest Group but also by the regulators to set specific
capital buffers. NatWest Group takes part in stress tests run by
regulatory authorities to test industry-wide vulnerabilities under
crystallising global and domestic systemic risks.
Stress and peak-to-trough movements are used to help assess
the amount of capital NatWest Group needs to hold in stress
conditions in accordance with the capital risk appetite
framework.
Internal assessment of capital adequacy
An internal assessment of material risks is carried out annually
to enable an evaluation of the amount, type and distribution of
capital required to cover these risks. This is referred to as the
Internal Capital Adequacy Assessment Process (ICAAP). The
ICAAP consists of a point-in-time assessment of exposures and
risks at the end of the financial year together with a forward-
looking stress capital assessment. The ICAAP is approved by
the Board and submitted to the PRA.
The ICAAP is used to form a view of capital adequacy
separately to the minimum regulatory requirements. The ICAAP
is used by the PRA to assess NatWest Group&#x2019;s specific capital
requirements through the Pillar 2 framework.
Capital allocation
NatWest Group has mechanisms to allocate capital across its
legal entities and businesses. These aim to optimise the use of
capital resources taking into account applicable regulatory
requirements, strategic and business objectives and risk
appetite. The framework for allocating capital is approved by
the CFO with support from the Asset &amp; Liability Management
Committee.

Governance
Capital management is subject to substantial review and
governance. The Board approves the capital plans, including
those for key legal entities and businesses as well as the results
of the stress tests relating to those capital plans.
Stress testing &#x2013; liquidity
Liquidity risk monitoring and contingency planning
A suite of tools is used to monitor, limit and stress test the risks
on the balance sheet. Limit frameworks are in place to control
the level of liquidity risk, asset and liability mismatches and
funding concentrations. Liquidity risks are reviewed at
significant legal entity and business levels daily, with
performance reported to the Asset &amp; Liability Management
Committee on a regular basis. Liquidity Condition Indicators are
monitored daily. This ensures any build-up of stress is detected
early and the response escalated appropriately through
recovery planning.
Internal assessment of liquidity
Under the liquidity risk management framework, NatWest
Group maintains the Internal Liquidity Adequacy Assessment
Process. This includes assessment of net stressed liquidity
outflows under a range of severe but plausible stress scenarios.
Each scenario evaluates either an idiosyncratic, market-wide or
combined stress event as described in the table below.

Type Description
Idiosyncratic
scenario
The market perceives NatWest Group to be
suffering from a severe stress event, which
results in an immediate assumption of
increased credit risk or concerns over
solvency.
Market-wide
scenario
A market stress event affecting all
participants in a market through contagion,
potential counterparty failure and other
market risks. NatWest Group is affected under
this scenario but no more severely than any
other participants with equivalent exposure.
Combined
scenario
This scenario models the combined impact of
an idiosyncratic and market stress occurring
at once, severely affecting funding markets
and the liquidity of some assets.

NatWest Group uses the most severe outcome to set the
internal stress testing scenario which underpins its internal
liquidity risk appetite. This complements the regulatory liquidity
coverage ratio requirement.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g181.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 179
Risk management framework continued
Stress testing &#x2013; recovery and resolution planning
The NatWest Group recovery plan explains how NatWest Group
and its subsidiaries &#x2013; as a consolidated group &#x2013; would identify
and respond to a financial stress event and restore its financial
position so that it remains viable on an ongoing basis.
The recovery plan ensures risks that could delay the
implementation of a recovery strategy are highlighted and
preparations are made to minimise the impact of these risks.
Preparations include:
&#xF02D; Developing a series of recovery indicators to provide early
warning of potential stress events.
&#xF02D; Clarifying roles, responsibilities and escalation routes to
minimise uncertainty or delay.
&#xF02D; Developing a recovery playbook to provide a concise
description of the actions required during recovery.
&#xF02D; Detailing a range of options to address different stress
conditions.
&#xF02D; Appointing dedicated option owners to reduce the risk of
delay and capacity concerns.

The plan is intended to enable NatWest Group to maintain
critical services and products it provides to its customers,
maintain its core business lines and operate within risk appetite
while restoring NatWest Group&#x2019;s financial condition. It is
assessed for appropriateness on an ongoing basis and is
updated annually. The plan is reviewed and approved by the
Board prior to submission to the PRA each year. Individual
recovery plans are also prepared for NatWest Holdings Limited,
NatWest Markets Plc, RBS International (Holdings) Limited,
Ulster Bank Ireland DAC and NatWest Markets N.V.. These
plans detail the recovery options, recovery indicators and
escalation routes for each entity.
Fire drill simulations of possible recovery events are used to
test the effectiveness of NatWest Group and individual legal
entity recovery plans. The fire drills are designed to replicate
possible financial stress conditions and allow senior
management to rehearse the responses and decisions that may
be required in an actual stress event. The results and lessons
learnt from the fire drills are used to enhance NatWest Group&#x2019;s
approach to recovery planning.
Under the resolution assessment part of the PRA rulebook,
NatWest Group is required to carry out an assessment of its
preparations for resolution, submit a report of the assessment
to the PRA and publish a summary of this report.
Resolution would be implemented if NatWest Group was
assessed by the UK authorities to have failed and the
appropriate regulator put it into resolution. The process of
resolution is owned and implemented by the Bank of England
(as the UK resolution authority). A multi-year programme is in
place to further develop resolution capability in line with
regulatory requirements.

Stress testing &#x2013; market risk
Non-traded market risk
Non-traded exposures are reported to the PRA on a quarterly
basis. This provides the regulator with an overview of NatWest
Group&#x2019;s banking book interest rate exposure. The report
includes detailed product information analysed by interest rate
driver and other characteristics, including accounting
classification, currency and counterparty type.
Scenario analysis based on hypothetical adverse scenarios is
performed on non-traded exposures as part of the Bank of
England and European Banking Authority stress test exercises.
NatWest Group also produces an internal scenario analysis as
part of its financial planning cycles.
Non-traded exposures are capitalised through the ICAAP. This
covers gap risk, basis risk, credit spread risk, pipeline risk,
structural foreign exchange risk, prepayment risk, equity risk
and accounting volatility risk. The ICAAP is completed with a
combination of value and earnings measures. The total non-
traded market risk capital requirement is determined by adding
the different charges for each sub risk type. The ICAAP
methodology captures at least ten years of historical volatility,
produced with a 99% confidence level. Methodologies are
reviewed by NatWest Group Model Risk and the results are
approved by the NatWest Group Technical Asset &amp; Liability
Management Committee.
Non-traded market risk stress results are combined with those
for other risks into the capital plan presented to the Board. The
cross-risk capital planning process is conducted once a year,
with a planning horizon of five years. The scenario narratives
cover both regulatory scenarios and macroeconomic scenarios
identified by NatWest Group.
Vulnerability-based stress testing begins with the analysis of a
portfolio and expresses its key vulnerabilities in terms of
plausible, vulnerability scenarios under which the portfolio
would suffer material losses. These scenarios can be historical,
macroeconomic or forward-looking/hypothetical. Vulnerability-
based stress testing is used for internal management
information and is not subject to limits. The results for relevant
scenarios are reported to senior management.
Traded market risk
NatWest Group carries out regular market risk stress testing to
identify vulnerabilities and potential losses in excess of, or not
captured in, value-at-risk. The calculated stresses measure the
impact of changes in risk factors on the fair values of the
trading portfolios.
NatWest Group conducts historical, macroeconomic and
vulnerability-based stress testing. Historical stress testing is a
measure that is used for internal management. Using the
historical simulation framework employed for value-at-risk, the
current portfolio is stressed using historical data since 1
January 2005. This methodology simulates the impact of the
99.9 percentile loss that would be incurred by historical risk
factor movements over the period, assuming variable holding
periods specific to the risk factors and the businesses.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g182.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 180
Risk management framework continued
Historical stress tests form part of the market risk limit
framework and their results are reported regularly to senior
management. Macroeconomic stress tests are carried out
periodically as part of the bank-wide, cross-risk capital
planning process. The scenario narratives are translated into
risk factor shocks using historical events and insights by
economists, risk managers and the first line.
Market risk stress results are combined with those for other
risks into the capital plan presented to the Board. The cross-
risk capital planning process is conducted once a year, with a
planning horizon of five years. The scenario narratives cover
both regulatory scenarios and macroeconomic scenarios
identified by NatWest Group.
Vulnerability-based stress testing begins with the analysis of a
portfolio and expresses its key vulnerabilities in terms of
plausible, vulnerability scenarios under which the portfolio
would suffer material losses. These scenarios can be historical,
macroeconomic or forward-looking/hypothetical. Vulnerability-
based stress testing is used for internal management
information and is not subject to limits. The results for relevant
scenarios are reported to senior management.
Internal scenarios
During 2021, NatWest Group continuously refined and reviewed
a series of internal scenarios &#x2013; benchmarked against the Bank
of England&#x2019;s illustrative scenario &#x2013; as the impact of COVID-19
evolved, including actual and potential effects on economic
fundamentals. These scenarios included:
&#xF02D; The impact of travel restrictions, social distancing policies,
self-isolation and sickness on GDP, employment and
consumer spending.
&#xF02D; The impacts on business investment in critical sectors.
&#xF02D; The effect on house prices, commercial real estate values
and major project finance.
&#xF02D; The effect of government interventions such as the Job
Retention Scheme and the Coronavirus Business
Interruption Loan Scheme.

Applying the macro-scenarios to NatWest Group&#x2019;s earnings,
capital, liquidity and funding positions did not result in a breach
of any regulatory thresholds.
Internal scenarios were also used to assess the potential
impacts of severe weather events on NatWest Group&#x2019;s
operations in the UK and India.

Regulatory stress testing
In 2021, NatWest Group participated in the regulatory stress tests conducted by the Bank of England following their suspension in
2020 as a result of COVID-19. The scenario was hypothetical in nature and does not represent a forecast of NatWest Group&#x2019;s
future business or profitability. The results of regulatory stress tests are carefully assessed and form part of the wider risk
management of NatWest Group. Following the UK&#x2019;s exit from the European Union on 31 December 2020, only relevant European
subsidiaries of NatWest Group will take part in the European Banking Authority stress tests going forward. NatWest Group itself will
not participate.
NatWest Group also took part in the Bank of England&#x2019;s Climate Biennial Exploratory Scenario (CBES). This exercise was designed
to assess the resilience of the largest UK banks and insurers to the physical and transition risks associated with climate change.
The CBES used three 30-year scenarios to explore the risks &#x2013; Early Action (in which the transition to a net-zero emissions economy
gets underway with carbon taxes and associated policies intensifying gradually), Late Action (in which the transition is delayed
until 2031, with a sudden increase in the intensity of carbon taxes and climate policy leading to a recession) and No Additional
Action (in which no new climate policies are introduced and the physical impacts of climate change are most severe). The Bank of
England is expected to publish aggregate findings in 2022 though, given the exploratory nature of the exercise, it will not use CBES
to set capital requirements.

 Bank of England stress test
Scenario
Designed to assess the resilience of major UK banks to reasonable worst-case stress in the current
environment. The severity of the test is related to policymakers&#x2019; assessments of risk levels across
markets and regions.
The 2021 stress test assessed the impact of a severe economic path from 2021 to 2025 on top of the
economic shocks arising from the pandemic. The scenario implied a cumulative three-year loss of 37%
of 2019 UK GDP and 31% of 2019 global GDP with the UK&#x2019;s trading partners experiencing severe and
synchronised slowdowns, a decline in equity prices and a rise in bond spreads. The scenario also
included a 33% fall in UK residential property prices and a rise in UK unemployment of 5.6 percentage
points to peak at 11.9%.
The stress was based on an end-of-2020 balance sheet starting position.
Results
Under the 2021 Bank of England solvency stress test, on an IFRS 9 transitional basis, the CET1 ratio
reached a low point of 10.4%. This was above the reference rate of 7%.
Tier 1 leverage ratio was projected to be 4.4% under stress. This was above the reference rate of 3.6%
On an IFRS 9 non-transitional basis, the CET1 ratio reached a low point of 10.3%. This was above the
reference rate of 7%.  Tier 1 leverage ratio was projected to be 4.4% under stress.  This was above the
reference rate of 3.6%
What does this
mean?
The 2021 Bank of England solvency stress result demonstrated that the balance sheet continues to be
robust with a strong capital position. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g183.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 181
Credit risk
Definition (audited)
Credit risk is the risk that customers and counterparties fail to
meet their contractual obligation to settle outstanding amounts.
Sources of risk (audited)
The principal sources of credit risk for NatWest Group are
lending, off-balance sheet products, derivatives and securities
financing, and debt securities. NatWest Group is also exposed
to settlement risk through foreign exchange, trade finance and
payments activities.
Key developments in 2021
&#xF02D; The outlook for credit risk and asset quality improved
during 2021 with the economic recovery from the disruption
caused by COVID-19 being faster than initially forecast.
&#xF02D; The overall expected credit loss (ECL) decreased materially
as a result, with lower than expected defaults and
exposures moving from Stage 2 into Stage 1. Stage 3 ECL
charges remained low, reflecting the effect of government
support schemes mitigating against defaults.
&#xF02D; In Personal, lending criteria and underwriting standards,
which had been tightened during 2020 in response to
COVID-19, were selectively relaxed as economic conditions
improved and portfolio performance stabilised following the
conclusion of payment holidays.
&#xF02D; In Wholesale, sector specific risk appetite continued to be
closely monitored and appropriately adjusted during the
year for those sectors most affected by COVID-19.  As in
Personal, a selective relaxation of lending criteria and
underwriting standards was possible as economic
conditions improved and portfolio performance stabilised.
&#xF02D; NatWest Group continued to progress embedding climate
change considerations in credit assessment and monitoring,
including scenario analysis to assess the materiality of
climate change risks. For further information refer to the
2021 Climate-related disclosures report.
Governance (audited)
The Credit Risk function provides oversight and challenge of
frontline credit risk management activities.
Governance activities include:
&#xF02D; Defining credit risk appetite measures for the management
of concentration risk and credit policy to establish the key
causes of risk in the process of providing credit and the
controls that must be in place to mitigate them.
&#xF02D; Approving and monitoring operational limits for business
segments and credit limits for customers.
&#xF02D; Oversight of the first line of defence to ensure that credit
risk remains within the appetite set by the Board and that
controls are being operated adequately and effectively.
&#xF02D; Assessing the adequacy of ECL provisions including
approving key IFRS 9 inputs (such as significant increase in
credit risk (SICR) thresholds) and any necessary in-model
and post model adjustments through NatWest Group and
business unit provisions and model committees.
&#xF02D; Development and approval of credit grading models.

Risk appetite
Credit risk appetite aligns to the strategic risk appetite set by
the Board and is set and monitored through risk appetite
frameworks tailored to NatWest Group&#x2019;s Personal and
Wholesale segments.
Personal
The Personal credit risk appetite framework sets limits that
control the quality and concentration of both existing and new
business for each relevant business segment.


These risk appetite measures consider the segments&#x2019; ability to
grow sustainably and the level of losses expected under stress.
Credit risk is further controlled through operational limits
specific to customer or product characteristics.

Wholesale
For Wholesale credit, the framework has been designed to
reflect factors that influence the ability to operate within risk
appetite. Tools such as stress testing and economic capital are
used to measure credit risk volatility and develop links between
the framework and risk appetite limits.
Four formal frameworks are used, classifying, measuring and
monitoring credit risk exposure across single name, sector and
country concentrations and product and asset classes with
heightened risk characteristics.
The framework is supported by a suite of transactional
acceptance standards that set out the risk parameters within
which businesses should operate.
Credit policy standards are in place for both the Wholesale and
Personal portfolios. They are expressed as a set of mandatory
controls.
Identification and measurement
Credit stewardship (audited)
Risks are identified through relationship management and
credit stewardship of customers and portfolios. Credit risk
stewardship takes place throughout the customer relationship,
beginning with the initial approval. It includes the application of
credit assessment standards, credit risk mitigation and
collateral, ensuring that credit documentation is complete and
appropriate, carrying out regular portfolio or customer reviews
and problem debt identification and management.
Asset quality (audited)
All credit grades map to an asset quality (AQ) scale, used for
financial reporting. This AQ scale is based on Basel probability
of defaults. Performing loans are defined as AQ1-AQ9 (where
the probability of default (PD) is less than 100%) and defaulted
non-performing loans as AQ10 or Stage 3 under IFRS 9 (where
the PD is 100%). Loans are defined as defaulted when the
payment status becomes 90 days past due, or earlier if there is
clear evidence that the borrower is unlikely to repay, for
example bankruptcy or insolvency.
Counterparty credit risk
Counterparty credit risk arises from the obligations of
customers under derivative and securities financing
transactions.
NatWest Group mitigates counterparty credit risk through
collateralisation and netting agreements, which allow amounts
owed by NatWest Group to a counterparty to be netted against
amounts the counterparty owes NatWest Group.
Mitigation
Mitigation techniques, as set out in the appropriate credit
policies and transactional acceptance standards, are used in
the management of credit portfolios across NatWest Group.
These techniques mitigate credit concentrations in relation to
an individual customer, a borrower group or a collection of
related borrowers. Where possible, customer credit balances
are netted against obligations. Mitigation tools can include
structuring a security interest in a physical or financial asset,
the use of credit derivatives including credit default swaps,
credit-linked debt instruments and securitisation structures, and
the use of guarantees and similar instruments (for example,
credit insurance) from related and third parties.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g184.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 182
Credit risk continued
Property is used to mitigate credit risk across a number of
portfolios, in particular residential mortgage lending and
commercial real estate (CRE).
The valuation methodologies for collateral in the form of
residential mortgage property and CRE are detailed below.
Residential mortgages &#x2013; NatWest Group takes collateral in the
form of residential property to mitigate the credit risk arising
from mortgages. NatWest Group values residential property
individually during the loan underwriting process, either by
obtaining an appraisal by a suitably qualified appraiser (for
example, Royal Institution of Chartered Surveyors (RICS)) or
using a statistically valid model. In both cases, a sample of the
valuation outputs are periodically reviewed by an independent
RICS qualified appraiser. NatWest Group updates residential
property values quarterly using the relevant residential
property index namely:
Region Index used
UK (including
Northern Ireland)
Office for National Statistics House
Price Index
Republic of Ireland Central Statistics Office Residential
Property Price Index
The current indexed value of the property is a component of
the ECL provisioning calculation.
Commercial real estate valuations &#x2013; NatWest Group has an
actively managed panel of chartered surveying firms that cover
the spectrum of geography and property sectors in which
NatWest Group takes collateral. Suitable RICS registered
valuers for particular assets are typically contracted through a
service agreement to ensure consistency of quality and advice.
Valuations are generally commissioned when an asset is taken
as security; a material increase in a facility is requested; or a
default event is anticipated or has occurred. In the UK, an
independent third-party market indexation is applied to update
external valuations once they are more than a year old and
every three years, a formal independent valuation review is
commissioned. In the Republic of Ireland, assets are revalued in
line with the Central Bank of Ireland threshold requirements,
which permits indexation for lower value residential assets, but
demands regular valuations for higher value assets.
Assessment and monitoring
Practices for credit stewardship &#x2013; including credit assessment,
approval and monitoring as well as the identification and
management of problem debts &#x2013; differ between the Personal
and Wholesale portfolios.
Personal
Personal customers are served through a lending approach
that entails offering a large number of small-value loans. To
ensure that these lending decisions are made consistently,
NatWest Group analyses internal credit information as well as
external data supplied by credit reference agencies (including
historical debt servicing behaviour of customers with respect to
both NatWest Group and other lenders). NatWest Group then
sets its lending rules accordingly, developing different rules for
different products.
The process is then largely automated, with each customer
receiving an individual credit score that reflects both internal
and external behaviours and this score is compared with the
lending rules set. For relatively high-value, complex personal
loans, including some residential mortgage lending, specialist
credit managers make the final lending decisions. These
decisions are made within specified delegated authority limits
that are issued dependent on the experience of the individual.

Underwriting standards and portfolio performance are
monitored on an ongoing basis to ensure they remain adequate
in the current market environment and are not weakened
materially to sustain growth. The actual performance of each
portfolio is tracked relative to operational limits. The limits
apply to a range of credit risk-related measures including
projected credit default rates across products and the loan-to-
value (LTV) ratio of the mortgage portfolios. Where operational
limits identify areas of concern management action is taken to
adjust credit or business strategy.
Wholesale
Wholesale customers &#x2013; including corporates, banks and other
financial institutions &#x2013; are grouped by industry sectors and
geography as well as by product/asset class and are managed
on an individual basis. Customers are aggregated as a single
risk when sufficiently interconnected.
A credit assessment is carried out before credit facilities are
made available to customers. The assessment process is
dependent on the complexity of the transaction. Credit
approvals are subject to environmental, social and governance
risk policies which restrict exposure to certain highly carbon
intensive industries as well as those with potentially heightened
reputational impacts. Customer specific climate risk
commentary is now mandatory.
In response to COVID-19, a new framework was introduced to
categorise clients in a consistent manner across the Wholesale
portfolio, based on the effect of COVID-19 on their financial
position and outlook in relation to the sector risk appetite. This
framework has been retained and updated to consider viability
impacts beyond those directly related to COVID-19 and
classification via the framework is now mandatory and must be
refreshed annually. The framework extends to all Wholesale
borrowing customers and supplements the Risk of Credit Loss
framework in assessing whether customers exhibit a SICR, if
support is considered to be granting forbearance and the time
it would take for customers to return to operating within
transactional acceptance standards. Tailored approaches were
also introduced for business banking, commercial real estate
and financial institution customers.
For lower risk transactions below specific thresholds, credit
decisions can be approved through self-sanctioning within the
business. This process is facilitated through an auto-decision
making system, which utilises scorecards, strategies and policy
rules. Such credit decisions must be within the approval
authority of the relevant business approver.
For all other transactions, credit is only granted to customers
following joint approval by an approver from the business and
the credit risk function or by two credit officers. The joint
business and credit approvers act within a delegated approval
authority under the Wholesale Credit Authorities Framework
Policy. The level of delegated authority held by approvers is
dependent on their experience and expertise with only a small
number of senior executives holding the highest approval
authority. Both business and credit approvers are accountable
for the quality of each decision taken, although the credit risk
approver holds ultimate sanctioning authority.
Transactional acceptance standards provide detailed
transactional lending and risk acceptance metrics and
structuring guidance. As such, these standards provide a
mechanism to manage risk appetite at the
customer/transaction level and are supplementary to the
established credit risk appetite.    </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g185.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 183
Credit risk continued
Credit grades (PD) and loss given default (LGD) are reviewed
and if appropriate reapproved annually. The review process
assesses borrower performance, including reconfirmation or
adjustment of risk parameter estimates; the adequacy of
security; compliance with terms and conditions; and refinancing
risk.
Problem debt management
Personal
Early problem identification
Pre-emptive triggers are in place to help identify customers
that may be at risk of being in financial difficulty. These triggers
are both internal, using NatWest Group data, and external
using information from credit reference agencies. Proactive
contact is then made with the customer to establish if they
require help with managing their finances. By adopting this
approach, the aim is to prevent a customer&#x2019;s financial position
deteriorating which may then require intervention from the
Collections and Recoveries teams.
Personal customers experiencing financial difficulty are
managed by the Collections team. If the Collections team is
unable to provide appropriate support after discussing suitable
options with the customer, management of that customer
moves to the Recoveries team. If at any point in the collections
and recoveries process, the customer is identified as being
potentially vulnerable, the customer will be separated from the
regular process and supported by a specialist team to ensure
the customer receives appropriate support for their
circumstances.
Collections
When a customer exceeds an agreed limit or misses a regular
monthly payment the customer is contacted by NatWest Group
and requested to remedy the position. If the situation is not
regularised then, where appropriate, the Collections team will
become more involved and the customer will be supported by
skilled debt management staff who endeavour to provide
customers with bespoke solutions. Solutions include short-term
account restructuring, refinance loans and forbearance which
can include interest suspension and &#x2018;breathing space&#x2019;. In the
event that an affordable/sustainable agreement with a
customer cannot be reached, the debt will transition to the
Recoveries team. For provisioning purposes, under IFRS 9,
exposure to customers managed by the Collections team is
categorised as Stage 2 and subject to a lifetime loss
assessment, unless it is 90 days past due or has an interest
non-accrual status, in which case it is categorised as Stage 3.
In the Republic of Ireland, the relationship may pass to a
specialist support team prior to any transfer to recoveries,
depending on the outcome of customer financial assessment.
Recoveries
The Recoveries team will issue a notice of intention to default to
the customer and, if appropriate, a formal demand, while also
registering the account with credit reference agencies where
appropriate. Following this, the customer&#x2019;s debt may then be
placed with a third-party debt collection agency, or
alternatively a solicitor, in order to agree an affordable
repayment plan with the customer. An option that may also be
considered, is the sale of unsecured debt. Exposures subject to
formal debt recovery are defaulted and, under IFRS 9,
categorised as Stage 3.
Wholesale
Early problem identification
Each segment and sector have defined early warning indicators
to identify customers experiencing financial difficulty, and to
increase monitoring if needed. Early warning indicators may be
internal, such as a customer&#x2019;s bank account activity, or
external, such as a publicly-listed customer&#x2019;s share price. If
early warning indicators show a customer is experiencing
potential or actual difficulty, or if relationship managers or
credit officers identify other signs of financial difficulty, they
may decide to classify the customer within the Risk of Credit
Loss framework.
Risk of Credit Loss framework
The framework focuses on Wholesale customers whose credit
profiles have deteriorated materially since origination. Expert
judgment is applied by experienced credit risk officers to
classify cases into categories that reflect progressively
deteriorating credit risk to NatWest Group. There are two
classifications in the framework that apply to non-defaulted
customers &#x2013; Heightened Monitoring and Risk of Credit Loss. For
the purposes of provisioning, all exposures subject to the
framework are categorised as Stage 2 and subject to a lifetime
loss assessment. The framework also applies to those
customers that have met NatWest Group&#x2019;s default criteria
(AQ10 exposures). Defaulted exposures are categorised as
Stage 3 impaired for provisioning purposes.
Heightened Monitoring customers are performing customers
that have met certain characteristics, which have led to
significant credit deterioration. Collectively, characteristics
reflect circumstances that may affect the customer&#x2019;s ability to
meet repayment obligations. Characteristics include trading
issues, covenant breaches, material PD downgrades and past
due facilities.
Heightened Monitoring customers require pre-emptive actions
(outside the customer&#x2019;s normal trading patterns) to return or
maintain their facilities within NatWest Group&#x2019;s current risk
appetite prior to maturity.
Risk of Credit Loss customers are performing customers that
have met the criteria for Heightened Monitoring and also pose
a risk of credit loss to NatWest Group in the next 12 months
should mitigating action not be taken or not be successful.
Once classified as either Heightened Monitoring or Risk of
Credit Loss, a number of mandatory actions are taken in
accordance with policies. Actions include a review of the
customer&#x2019;s credit grade, facility and security documentation
and the valuation of security. Depending on the severity of the
financial difficulty and the size of the exposure, the customer
relationship strategy is reassessed by credit officers, by
specialist credit risk or relationship management units in the
relevant business, or by Restructuring.
Agreed customer management strategies are regularly
monitored by both the business and credit teams. The largest
Risk of Credit Loss exposures are regularly reviewed by a Risk
of Credit Loss forum. The forum members are experienced
credit, business and restructuring specialists. The purpose of
the forum is to review and challenge the strategies undertaken
for customers that pose the largest risk of credit loss to
NatWest Group.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g186.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 184
Credit risk continued
Appropriate corrective action is taken when circumstances
emerge that may affect the customer&#x2019;s ability to service its debt
(refer to Heightened Monitoring characteristics). Corrective
actions may include granting a customer various types of
concessions. Any decision to approve a concession will be a
function of specific appetite, the credit quality of the customer,
the market environment and the loan structure and security. All
customers granted forbearance are classified Heightened
Monitoring as a minimum.
Other potential outcomes of the relationship review are to:
remove the customer from the Risk of Credit Loss framework,
offer additional lending and continue monitoring, transfer the
relationship to Restructuring if appropriate, or exit the
relationship.
The Risk of Credit Loss framework does not apply to problem
debt management for business banking customers. These
customers are, where necessary, managed by specialist
problem debt management teams, depending on the size of
exposure or by the business banking recoveries team where a
loan has been impaired.
Restructuring
Where customers are categorised as Risk of Credit Loss and
the lending exposure is above &#xA3;1 million, relationships are
supported by the Restructuring team. The objective of
Restructuring is to protect NatWest Group&#x2019;s capital.
Restructuring does this by working with corporate and
commercial customers in financial difficulty to help them
understand their options and how their restructuring or
repayment strategies can be delivered. Helping the customer
return to financial health and restoring a normal banking
relationship is always the preferred outcome, however, where a
solvent outcome is not possible, insolvency may be considered
as a last resort.
Restructuring will always aim to recover capital fairly and
efficiently.  Throughout Restructuring&#x2019;s involvement, the
mainstream relationship manager will remain an integral part
of the customer relationship. Restructuring&#x2019;s work helps
NatWest Group remain safe and sustainable, contributing to its
ability to champion potential.
Forbearance (audited)
Forbearance takes place when a concession is made on the
contractual terms of a loan/debt in response to a customer&#x2019;s
financial difficulties.
The aim of forbearance is to support and restore the customer
to financial health while minimising risk. To ensure that
forbearance is appropriate for the needs of the customer,
minimum standards are applied when assessing, recording,
monitoring and reporting forbearance.
A credit exposure may be forborne more than once, generally
where a temporary concession has been granted and
circumstances warrant another temporary or permanent
revision of the loan&#x2019;s terms.
Loans are reported as forborne until they meet the exit criteria
as detailed in the appropriate regulatory guidance. These
include being classified as performing for two years since the
last forbearance event, making regular repayments and the
loan/debt being less than 30 days past due.

Types of forbearance
Personal
In the Personal portfolio, forbearance may involve payment
concessions and loan rescheduling (including extensions in
contractual maturity), capitalisation of arrears and, in the
Republic of Ireland only, temporary interest-only or partial
capital and interest arrangements. Forbearance support is
provided for both mortgages and unsecured lending.
Wholesale
In the Wholesale portfolio, forbearance may involve covenant
waivers, amendments to margins, payment concessions and
loan rescheduling (including extensions in contractual maturity),
capitalisation of arrears, and debt forgiveness or debt-for-
equity swaps.
Monitoring of forbearance
Personal
For Personal portfolios, forborne loans are separated and
regularly monitored and reported while the forbearance
strategy is implemented, until they exit forbearance.
Wholesale
In the Wholesale portfolio, customer PDs and facility LGDs are
reassessed prior to finalising any forbearance arrangement.
The ultimate outcome of a forbearance strategy is highly
dependent on the co-operation of the borrower and a viable
business or repayment outcome. Where forbearance is no
longer appropriate, NatWest Group will consider other options
such as the enforcement of security, insolvency proceedings or
both, although these are options of last resort.
Provisioning requirements on forbearance are detailed in the
Provisioning for forbearance section.
Credit grading models
Credit grading models is the collective term used to describe all
models, frameworks and methodologies used to calculate PD,
exposure at default (EAD), LGD, maturity and the production of
credit grades.
Credit grading models are designed to provide:
&#xF02D; An assessment of customer and transaction characteristics.
&#xF02D; A meaningful differentiation of credit risk.
&#xF02D; Accurate internal default rate, loss and exposure estimates
that are used in the capital calculation or wider risk
management purposes.
Impairment, provisioning and write-offs
(audited)
In the overall assessment of credit risk, impairment provisioning
and write-offs are used as key indicators of credit quality.
NatWest Group&#x2019;s IFRS 9 provisioning models, which use existing
Basel models as a starting point, incorporate term structures
and forward-looking information. Regulatory conservatism
within the Basel models has been removed as appropriate to
comply with the IFRS 9 requirement for unbiased ECL
estimates.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g187.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 185
Credit risk continued
Five key areas may materially influence the measurement of
credit impairment under IFRS 9 &#x2013; two of these relate to model
build and three relate to model application:
Model build:
&#xF02D; The determination of economic indicators that have most
influence on credit loss for each portfolio and the severity of
impact (this leverages existing stress testing models which
are reviewed annually).
&#xF02D; The build of term structures to extend the determination of
the risk of loss beyond 12 months that will influence the
impact of lifetime loss for exposures in Stage 2.
Model application:
&#xF02D; The assessment of the SICR and the formation of a
framework capable of consistent application.
&#xF02D; The determination of asset lifetimes that reflect behavioural
characteristics while also representing management actions
and processes (using historical data and experience).
&#xF02D; The choice of forward-looking economic scenarios and their
respective probability weights.
Refer to Accounting policy 11 for further details.
IFRS 9 ECL model design principles (audited)
Modelling of ECL for IFRS 9 follows the conventional approach
to divide the estimation of credit losses into its component parts
of PD, LGD and EAD.
To meet IFRS 9 requirements, the PD, LGD and EAD
parameters differ from their Pillar 1 internal ratings based
counterparts in the following aspects:
&#xF02D; Unbiased &#x2013; material regulatory conservatism has been
removed from IFRS 9 parameters to produce unbiased
estimates.
&#xF02D; Point-in-time &#x2013; IFRS 9 parameters reflect actual economic
conditions at the reporting date instead of long-run average
or downturn conditions.
&#xF02D; Forward-looking &#x2013; IFRS 9 PD estimates and, where
appropriate, EAD and LGD estimates reflect forward-
looking economic conditions.
&#xF02D; Lifetime measurement &#x2013; IFRS 9 PD, LGD and EAD are
provided as multi-period term structures up to exposure
lifetimes instead of over a fixed one-year horizon.
IFRS 9 requires that at each reporting date, an entity shall
assess whether the credit risk on an account has increased
significantly since initial recognition. Part of this assessment
requires a comparison to be made between the current lifetime
PD (i.e. the PD over the remaining lifetime at the reporting
date) and the equivalent lifetime PD as determined at the date
of initial recognition.
For assets originated before IFRS 9 was introduced,
comparable lifetime origination PDs did not exist. These have
been retrospectively created using the relevant model inputs
applicable at initial recognition.
PD estimates
Personal models
Personal PD models use the Exogenous, Maturity and Vintage
(EMV) approach to model default rates. The EMV approach
separates portfolio default risk trends into three components:
vintage effects (quality of new business over time), maturity
effects (changes in risk relating to time on book) and
exogenous effects (changes in risk relating to changes in

macro-economic conditions). The EMV methodology has been
widely adopted across the industry because it enables forward-
looking economic information to be systematically incorporated
into PD estimates.
Wholesale models
Wholesale PD models use a point-in-time/through-the-cycle
framework to convert one-year regulatory PDs into point-in-
time estimates that reflect economic conditions at the reporting
date. The framework utilises credit cycle indices (CCIs) for a
comprehensive set of region/industry segments. Further detail
on CCIs is provided in the Economic loss drivers section.
One year point-in-time PDs are extended to forward-looking
lifetime PDs using a conditional transition matrix approach and
a set of econometric forecasting models.
LGD estimates
The general approach for the IFRS 9 LGD models is to leverage
corresponding Basel LGD models with bespoke adjustments to
ensure estimates are unbiased and, where relevant, forward-
looking.
Personal
Forward-looking information has only been incorporated for the
secured portfolios, where changes in property prices can be
readily accommodated. Analysis has shown minimal impact of
economic conditions on LGDs for the other Personal portfolios.
Wholesale
Forward-looking economic information is incorporated into
LGD estimates using the existing CCI framework. For low
default portfolios, including sovereigns and banks, loss data is
too scarce to substantiate estimates that vary with economic
conditions. Consequently, for these portfolios, LGD estimates
are assumed to be constant throughout the projection horizon.
EAD estimates
Personal
The IFRS 9 Personal modelling approach for EAD is dependent
on product type.
&#xF02D; Revolving products use the existing Basel models as a basis,
with appropriate adjustments incorporating a term
structure based on time to default.
&#xF02D; Amortising products use an amortising schedule, where a
formula is used to calculate the expected balance based on
remaining terms and interest rates.
&#xF02D; There is no EAD model for Personal loans. Instead, debt
flow (i.e. combined PD x EAD) is modelled directly.
Analysis has indicated that there is minimal impact on EAD
arising from changes in the economy for all Personal portfolios
except mortgages. Therefore, forward-looking information is
only incorporated in the mortgage EAD model (through
forecast changes in interest rates).
Wholesale
For Wholesale, EAD values are projected using product specific
credit conversion factors (CCFs), closely following the product
segmentation and approach of the respective Basel model.
However, the CCFs are estimated over multi-year time horizons
and contain no regulatory conservatism or downturn
assumptions.
No explicit forward-looking information is incorporated, on the
basis of analysis showing the temporal variation in CCFs is
mainly attributable to changes in exposure management
practices rather than economic conditions.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g188.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 186
Credit risk continued
Governance and post model adjustments (audited)
The IFRS 9 PD, EAD and LGD models are subject to NatWest
Group&#x2019;s model risk policy that stipulates periodic model
monitoring, periodic re-validation and defines approval
procedures and authorities according to model materiality.
Various post model adjustments were applied where
management judged they were necessary to ensure an
adequate level of overall ECL provision. All post model
adjustments were subject to formal approval through
provisioning governance, and were categorised as follows
(business level commentary is provided below):
&#xF02D; Deferred model calibrations &#x2013; ECL adjustments where PD
model monitoring indicated that actual defaults were below
estimated levels but where it was judged that an implied
ECL release was not supportable due to the influence of
government support schemes. As a consequence, any
potential ECL release was deferred and retained on the
balance sheet.




&#xF02D; Economic uncertainty &#x2013; ECL adjustments primarily arising
from uncertainties associated with multiple economic
scenarios (also for 2020) and credit outcomes as a result of
the effect of COVID-19 and the consequences of
government support schemes. In both cases, management
judged that additional ECL was required until further credit
performance data became available on the behavioural and
loss consequences of COVID-19.
&#xF02D; Other adjustments &#x2013; ECL adjustments where it was judged
that the modelled ECL required to be amended.
Post model adjustments will remain a key focus area of NatWest
Group&#x2019;s ongoing ECL adequacy assessment process. A holistic
framework has been established including reviewing a range of
economic data, external benchmark information and portfolio
performance trends, particularly with more observable
outcomes from the unwinding of COVID-19 support schemes. A
key part of the assessment is also understanding the current
levels of ECL coverage (portfolio by portfolio) against pre-
COVID-19 levels, recognising changes in franchise
portfolio/sector mix.

ECL post model adjustments
The table below shows ECL post model adjustments.
 Retail Banking  Wholesale  Ulster Bank RoI
 Mortgages Other Commercial Other Mortgages Other Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Deferred model calibrations 58 97 62 &#x2014; &#x2014; 2 219
Economic uncertainty 60 99 373 23 6 23 584
Other adjustments 37 &#x2014; 2 3 156 &#x2014; 198
Total 155 196 437 26 162 25 1,001
Of which:
 - Stage 1  9 5 13 2 4 1 34
 - Stage 2 126 164 424 24 7 26 771
 - Stage 3 20 27 &#x2014; &#x2014; 151 (2) 196

2020
Deferred model calibrations 25 9 13 &#x2014; &#x2014; 2 49
Economic uncertainty 79 79 526 18 113 63 878
Other adjustments 20 &#x2014; 19 3 26 &#x2014; 68
Total 124 88 558 21 139 65 995
Of which:
 - Stage 1  21 8 37 2 15 &#x2014; 83
 - Stage 2 93 78 521 19 47 65 823
 - Stage 3 10 2 &#x2014; &#x2014; 77 &#x2014; 89

(1) 2021 data excludes &#xA3;49 million of post model adjustments (mortgages &#x2013; &#xA3;4 million; other &#x2013; &#xA3;45 million) for Ulster Bank RoI disclosed as discontinued operations.

While in aggregate the post model adjustments have only seen
a modest increase since 31 December 2020, there was an
increase on the proportion of ECL and notable shifts across and
within categories. These reflect:
&#xF02D; Changes in profile in Ulster Bank RoI to reflect both the
portfolio performance and the strategic shift to exit the
market.
&#xF02D; A modest reduction in the judgmental uncertainty post
model adjustments in the Wholesale portfolios, which was
directionally in line with the portfolio quality and some
reduction in uncertainty about recovery in affected sectors
in the economy.
&#xF02D; In the Retail Banking portfolio, to reflect a risk that default
levels were being unsustainably suppressed due to the
various temporary government led support schemes (with
the sustainability requiring further outcome data),
management effected a hold back of further modelled
releases judgmentally through the deferred model
calibrations category.

Retail Banking &#x2013; The post model adjustment for deferred model
calibrations increased to &#xA3;155 million from &#xA3;34 million at 31
December 2020. This reflected management&#x2019;s continued
judgment that the implied ECL decreases that continued to
manifest themselves through the standard PD model monitoring
process during the year, were not fully supportable.
Management retained this view on the basis that underlying
portfolio performance is believed to be underpinned by
government support schemes and further outcome data is
required on the level of default suppression.
 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g189.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 187
Credit risk continued
The post model adjustment for economic uncertainty remained
elevated at &#xA3;159 million. The total included an ECL uplift of &#xA3;26
million on a subset of customers who had accessed payment
holiday support where their risk profile was identified as
relatively high risk. In addition, NatWest Group continued to
retain a holdback of a modelled ECL release of &#xA3;69 million,
again due to the delayed default emergence reflective of the
various customer support schemes (&#xA3;15 million related to
mortgages and &#xA3;54 million related to unsecured lending). The
year end overlay position also included an ECL uplift on buy-to-
let mortgages of &#xA3;12 million to mitigate the risk of a
disproportionate credit deterioration in challenging economic
circumstances.

Other judgmental overlays increased due to the introduction of
a new post model adjustment of &#xA3;14 million to capture the
impact of potential cladding risk in the portfolio.

Commercial Banking &#x2013; The post model adjustment for
economic uncertainty reduced from &#xA3;526 million to &#xA3;373 million
during the year. It included an overlay of &#xA3;328 million (&#xA3;360
million across NatWest Group&#x2019;s Wholesale portfolio) reflecting
continued concern that the unprecedented nature of COVID-19
might indicate that default level may be higher in future periods
above that currently expected. In addition, it reflected a risk
that government support schemes during COVID-19 could have
suppressed defaults that may materialise in future periods
above expected default levels. The reduction during the year
was mainly due to a sustained improvement in underlying
credit metrics which resulted in a decrease in Stage 2 assets
and reduced levels of uncertainty around economic outcome.
The post model adjustment also included an overlay of &#xA3;7
million in respect of elevated concerns around borrowers&#x2019;
ability to refinance facilities at the end of the contractual term.

The post model adjustment for deferred model calibrations on
the business banking portfolio increased to &#xA3;62 million during
the year. This reflected management&#x2019;s judgment that the
continued beneficial modelling impact, and implied ECL
decrease, remained unsupportable while portfolio performance
was being underpinned by the various support schemes.

Other adjustments included an overlay of &#xA3;2 million to mitigate
the effect of operational timing delays in the identification and
flagging of a SICR. This reduced from &#xA3;19 million at 31
December 2020, mainly as a result of a significantly reduced
Stage 2 population and lower defaults across the portfolio.

Ulster Bank RoI &#x2013; Similar to Commercial Banking, the post
model adjustment for economic uncertainty included an
adjustment of &#xA3;12 million reflecting concerns that the
unprecedented nature of COVID-19 could result in longer debt
recovery periods and lower values than history suggested. It
also included an adjustment of &#xA3;9 million deferring the benefits
of improvements in economic forecasts given ongoing
uncertainty as well as an adjustment of &#xA3;9 million in the SME
portfolio, reflective of the elevated risk for this sector. Other
judgmental overlays increased to &#xA3;156 million from &#xA3;26 million
reflected management opinion that continuing actions on the
phased withdrawal of Ulster Bank RoI from the Irish market will
lead to higher, and/or earlier, crystallisation of losses.

Other &#x2013; The post model adjustments held in other businesses
were for similar reasons as those described above.

Significant increase in credit risk (SICR)
(audited)
Exposures that are considered significantly credit deteriorated
since initial recognition are classified in Stage 2 and assessed
for lifetime ECL measurement (exposures not considered
deteriorated carry a 12 month ECL). NatWest Group has
adopted a framework to identify deterioration based primarily
on relative movements in lifetime PD supported by additional
qualitative backstops. The principles applied are consistent
across NatWest Group and align to credit risk management
practices, where appropriate.
The framework comprises the following elements:
&#xF02D; IFRS 9 lifetime PD assessment (the primary driver) &#x2013; on
modelled portfolios, the assessment is based on the relative
deterioration in forward-looking lifetime PD and is assessed
monthly. To assess whether credit deterioration has
occurred, the residual lifetime PD at balance sheet date
(which PD is established at date of initial recognition (DOIR))
is compared to the current PD. If the current lifetime PD
exceeds the residual origination PD by more than a
threshold amount, deterioration is assumed to have
occurred and the exposure transferred into Stage 2 for a
lifetime loss assessment. For Wholesale, a doubling of PD
would indicate a SICR subject to a minimum PD uplift of
0.1%. For Personal portfolios, the criteria vary by risk band,
with lower risk exposures needing to deteriorate more than
higher risk exposures, as outlined in the following table:

&#xF02D; Qualitative high-risk backstops &#x2013; the PD assessment is
complemented with the use of qualitative high-risk
backstops to further inform whether significant
deterioration in lifetime risk of default has occurred. The
qualitative high-risk backstop assessment includes the use
of the mandatory 30+ days past due backstop, as
prescribed by IFRS 9 guidance, and other features such as
forbearance support, Wholesale exposures managed within
the Risk of Credit Loss framework, and adverse credit
bureau results for Personal customers. Where a Personal
customer was granted a payment holiday (also referred to
as a payment deferral) in response to COVID-19, they were
not automatically transferred into Stage 2. However, a
subset of Personal customers who had accessed payment
holiday support, and where their risk profile was identified
as relatively high risk, were collectively migrated to Stage 2
(if not in Stage 2 already). Any support provided beyond
completion of the second payment holiday was considered
forbearance.
&#xF02D; Persistence (Personal and business banking customers only)
&#x2013; the persistence rule ensures that accounts which have
met the criteria for PD driven deterioration are still
considered to be significantly deteriorated for three months
thereafter. This additional rule enhances the timeliness of
capture in Stage 2. The persistence rule is applied to PD
driven deterioration only.

Personal
risk bands
PD bandings (based
on residual lifetime
PD calculated at
DOIR)
PD deterioration
threshold criteria
Risk band A &lt;0.762% PD@DOIR + 1%
Risk band B &lt;4.306% PD@DOIR + 3%
Risk band C &gt;=4.306% 1.7 x PD@DOIR </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g190.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 188
Credit risk continued
The criteria are based on a significant amount of empirical
analysis and seek to meet three key objectives:
&#xF02D; Criteria effectiveness &#x2013; the criteria should be effective in
identifying significant credit deterioration and prospective
default population.
&#xF02D; Stage 2 stability &#x2013; the criteria should not introduce
unnecessary volatility in the Stage 2 population.
&#xF02D; Portfolio analysis &#x2013; the criteria should produce results which
are intuitive when reported as part of the wider credit
portfolio.

Provisioning for forbearance (audited)
Personal
The methodology used for provisioning in respect of Personal
forborne loans will differ depending on whether the loans are
performing or non-performing and which business is managing
them due to local market conditions.
Granting forbearance will only change the arrears status of the
loan in specific circumstances, which can include capitalisation
of principal and interest in arrears, where the loan may be
returned to the performing book if the customer has
demonstrated an ability to meet regular payments and is likely
to continue to do so.
The loan would continue to be reported as forborne until it
meets the exit criteria set out by the appropriate regulatory
guidance.
Additionally, for some forbearance types, a loan may be
transferred to the performing book if a customer makes
payments that reduce loan arrears below 90 days (Retail
Banking collections function).
For ECL provisioning, all forborne but performing exposures
are categorised as Stage 2 and are subject to a lifetime loss
provisioning assessment. Where the forbearance treatment
includes the cessation of interest on the customer balance (i.e.
non-accrual), this will be treated as a Stage 3 default.
For non-performing forborne loans, the Stage 3 loss
assessment process is the same as for non-forborne loans.
In the absence of any other forbearance or SICR triggers,
customers granted COVID-19 related payment holidays were
not considered forborne. However, any support provided
beyond completion of a second payment holiday is considered
forbearance.
Wholesale
Provisions for forborne loans are assessed in accordance with
normal provisioning policies. The customer&#x2019;s financial position
and prospects &#x2013; as well as the likely effect of the forbearance,
including any concessions granted, and revised PD or LGD
gradings &#x2013; are considered in order to establish whether an
impairment provision increase is required.
Wholesale loans granted forbearance are individually credit
assessed in most cases. Performing loans subject to
forbearance treatment are categorised as Stage 2 and subject
to a lifetime loss assessment.
Forbearance may result in the value of the outstanding debt
exceeding the present value of the estimated future cash flows.
This difference will lead to a customer being classified as non-
performing.

In the case of non-performing forborne loans, an individual loan
impairment provision assessment generally takes place prior to
forbearance being granted. The amount of the loan impairment
provision may change once the terms of the forbearance are
known, resulting in an additional provision charge or a release
of the provision in the period the forbearance is granted.
The transfer of Wholesale loans from impaired to performing
status follows assessment by relationship managers and credit.
When no further losses are anticipated and the customer is
expected to meet the loan&#x2019;s revised terms, any provision is
written-off or released and the balance of the loan returned to
performing status. This is not dependent on a specified time
period and follows the credit risk manager&#x2019;s assessment.
Customers seeking COVID-19 related support, including
payment holidays, who were not subject to any wider SICR
triggers and who were assessed as having the ability in the
medium term post-COVID-19 to be viable and meet credit
appetite metrics, were not considered to have been granted
forbearance.
Asset lifetimes (audited)
The choice of initial recognition and asset duration is another
critical judgment in determining the quantum of lifetime losses
that apply.
&#xF02D; The date of initial recognition reflects the date that a
transaction (or account) was first recognised on the
balance sheet; the PD recorded at that time provides the
baseline used for subsequent determination of SICR as
detailed above.
&#xF02D; For asset duration, the approach applied (in line with IFRS 9
requirements) is:
&#xF02D; Term lending &#x2013; the contractual maturity date, reduced
for behavioural trends where appropriate (such as,
expected prepayment and amortisation).
&#xF02D; Revolving facilities &#x2013; for Personal portfolios (except
credit cards), asset duration is based on behavioural
life and this is normally greater than contractual life
(which would typically be overnight). For Wholesale
portfolios, asset duration is based on annual customer
review schedules and will be set to the next review
date.
In the case of credit cards, the most significant judgment is to
reflect the operational practice of card reissuance and the
associated credit assessment as enabling a formal re-
origination trigger. As a consequence, a capped lifetime
approach of up to 36 months is used on credit card balances. If
the approach was uncapped the ECL impact is estimated at
approximately &#xA3;70 million (2020 &#x2013; &#xA3;110 million). However,
credit card balances originated under the 0% balance transfer
product, and representing approximately 13% of performing
card balances, have their ECL calculated on a behavioural
lifetime approach as opposed to being capped at a maximum
of three years.
The capped approach reflects NatWest Group practice of a
credit-based review of customers prior to credit card issuance
and complies with IFRS 9. Benchmarking information indicates
that peer UK banks use behavioural approaches in the main for
credit card portfolios with average durations between three
and ten years. Across Europe, durations are shorter and are, in
some cases, as low as one year. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g191.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 189
Credit risk continued
Economic loss drivers (audited)
Introduction
The portfolio segmentation and selection of economic loss
drivers for IFRS 9 follow closely the approach used in stress
testing. To enable robust modelling the forecasting models for
each portfolio segment (defined by product or asset class and
where relevant, industry sector and region) are based on a
selected, small number of economic factors, (typically three to
four) that best explain the temporal variations in portfolio loss
rates. The process to select economic loss drivers involves
empirical analysis and expert judgment.
The most material economic loss drivers are shown in the table
below.
Portfolio Economic loss drivers
UK retail
mortgages
UK unemployment rate, sterling swap
rate, UK house price index, UK
household debt to income
UK retail
unsecured
UK unemployment rate, sterling swap
rate, UK household debt to income
UK large
corporates
World GDP, UK unemployment rate,
sterling swap rate, stock price index
UK commercial  UK GDP, UK unemployment rate, sterling
swap rate
UK commercial
real estate
UK GDP, UK commercial property price
index, sterling swap rate, stock price
index
RoI retail
mortgages
RoI unemployment rate, European
Central Bank base rate, RoI house price
index

(1) This is not an exhaustive list of economic loss drivers but shows the most material
drivers for the most significant portfolios.

Economic scenarios
At 31 December 2021, the range of anticipated future economic
conditions was defined by a set of four internally developed
scenarios and their respective probabilities. In addition to the
base case, they comprised upside, downside and extreme
downside scenarios. The scenarios primarily reflected a range
of outcomes for the path of COVID-19 as well as recovery, and
the associated effects on labour and asset markets.
The four economic scenarios are translated into forward-looking
projections of CCIs using a set of econometric models.
Subsequently the CCI projections for the individual scenarios are
averaged into a single central CCI projection according to the
given scenario probabilities. The central CCI projection is then
overlaid with an additional mean reversion assumption i.e. that
after reaching their worst forecast position the CCIs start to
gradually revert to their long-run average of zero.


Upside &#x2013; This scenario assumes a very strong recovery through
2022 as consumers dip into excess savings built up over the last
two years. The labour market remains resilient, with the
unemployment rate falling below pre-COVID-19 levels. Inflation
is higher than the base case but eventually comes back close to
the target. The strong economic recovery enables tightening to
be quicker than the base case. The housing market continues its
recent strong performance.
Base case &#x2013; COVID-19 related risks remain contained. After a
strong recovery in 2021, the growth moderates in 2022. Most of
the furloughed workers can go back to their existing job or find
a new job very quickly, with the unemployment rate reaching
4.1% by the end of 2022. Inflation initially increases but retreats
over 2022. Interest rates are raised, starting in early 2022.
There is a gradual cool down in the housing market but activity
is still at healthy levels.
Downside &#x2013; This scenario assumes a reversal in recovery as
inflation build up leads to a lessening of expectations. Interest
rates are raised aggressively to counter the inflation risks.
However, starting in 2023, the interest hikes are reversed to
assist the recovery. Unemployment is higher than the base case
and there is a modest decline in house prices.
Extreme downside &#x2013; This scenario assumes a resurgence of
COVID-19 related risks. There is a renewed downturn with
declines in consumer spending and business investment. Interest
rates are reduced into negative territory to -0.5%. There is wide-
spread job shedding in the labour market while asset prices see
deep corrections, with housing market falls higher than those
seen during previous episodes. The recovery is tepid throughout
the five-year period, meaning only a gradual decline in
joblessness.
The approach of using four scenarios is similar to that as at 31
December 2020. Previously, NatWest Group used five discrete
scenarios to characterise the distribution of risks in the
economic outlook. For 2021, the four scenarios were deemed
appropriate in capturing the uncertainty in economic forecasts
and the non-linearity in outcomes under different scenarios.
These four scenarios were developed to provide sufficient
coverage across potential rises in unemployment, inflation, asset
price falls and the degree of permanent damage to the
economy, around which there remains pronounced levels of
uncertainty.




  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g192.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 190
Credit risk continued
Economic loss drivers (audited)
The tables and commentary below provide details of the key economic loss drivers under the four scenarios.
The main macroeconomic variables for each of the four scenarios used for ECL modelling are set out in the main macroeconomic
variables table below. The compound annual growth rate (CAGR) for GDP is shown. It also shows the five-year average for
unemployment and the Bank of England base rate. The house price index and commercial real estate figures show the total
change in each asset over five years.
Main macroeconomic variables 2021   2020
    Extreme    Extreme
 Upside Base case Downside downside Upside Base case Downside downside
Five-year summary % % % %  % % % %
UK
GDP - CAGR 2.4 1.7 1.4 0.6 3.6 3.1 2.8 1.3
Unemployment - average 3.5 4.2 4.8 6.7 4.4 5.7 7.1 9.7
House price index - total change 22.7 12.1 4.3 (5.3) 12.5 7.6 4.4 (19.0)
Bank of England base rate - average 1.5 0.8 0.7 (0.5) 0.2 &#x2014; (0.1) (0.5)
Commercial real estate price - total change 18.2 7.2 5.5 (6.4) 4.3 0.7 (12.0) (31.5)

Republic of Ireland
GDP - CAGR 4.4 3.7 2.9 1.6 4.2 3.5 3.0 1.6
Unemployment - average 4.2 5.2 6.8 9.3 5.6 7.5 9.3 11.2
House price index - total change 30.3 23.4 16.3 4.6 21.0 13.3 6.8 (7.0)
European Central Bank base rate - average 0.8 0.1 0.2 &#x2014; 0.1 &#x2014; &#x2014; &#x2014;

World GDP - CAGR 3.5 3.2 2.6 0.6 3.5 3.4 2.9 2.8

Probability weight 30.0 45.0 20.0 5.0 20.0 40.0 30.0 10.0


(1) The five year period starts after Q3 2021 for 2021 and Q3 2020 for 2020.
(2) The Republic of Ireland unemployment rate in the table above and the tables that follow corresponds to the mid-point of the Irish Central Statistics Office lower and upper bound
unemployment rate measures.


Probability weightings of scenarios
NatWest Group&#x2019;s approach to IFRS 9 multiple economic
scenarios (MES) involves selecting a suitable set of discrete
scenarios to characterise the distribution of risks in the
economic outlook and assigning appropriate probability weights.
The scale of the economic impact of COVID-19 and the range of
recovery paths necessitates a change of approach to assigning
probability weights from that used in recent updates. Prior to
2020, GDP paths for NatWest Group&#x2019;s scenarios were compared
against a set of 1,000 model runs, following which a percentile
in the distribution was established that most closely
corresponded to the scenario.
Instead, NatWest Group has subjectively applied probability
weights, reflecting expert views within NatWest Group. The
probability weight assignment was judged to present good
coverage to the central scenarios and the potential for a robust
recovery on the upside and exceptionally challenging outcomes
on the downside. A 30% weighting was applied to the upside
scenario, a 45% weighting applied to the base case scenario, a
20% weighting applied to the downside scenario and a 5%
weighting applied to the extreme downside scenario. NatWest
Group assessed the downside risk posed by COVID-19 to be
diminishing over the course of 2021, with the vaccination roll-
out and positive economic data being observed since the
gradual relaxing of lockdown restrictions.

NatWest Group therefore judged it was appropriate to apply a
higher probability to upside-biased scenarios than at 31
December 2020. However, compared to 31 December 2020, the
base case has a higher weight reflecting reduction in
uncertainty as the path of economy recovery became clearer.
The 25% weighting to the two downside scenarios gives
appropriate consideration to the threats posed to the recovery,
including inflation, supply and COVID-19-related risks. Balanced
against that is the adaptability of the UK economy to successive
waves of COVID-19, and the resilience of labour and asset
markets. The potential for further better than expected
outcomes is reflected in the 30% probability weighting applied to
the upside scenario.

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g193.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 191
Credit risk continued
Economic loss drivers





75
80
85
90
95
100
105
110
115
Q4 2019 Q4 2020 Q4 2021 Q4 2022 Q4 2023 Q4 2024 Q4 2025 Q4 2026
UK gross domestic product
Upside Base Downside Extreme downside
-0.75
-0.50
-0.25
0.00
0.25
0.50
0.75
1.00
1.25
1.50
1.75
2.00
Q4 2019 Q4 2020 Q4 2021 Q4 2022 Q4 2023 Q4 2024 Q4 2025 Q4 2026
%
Bank of England base rate
Upside Base Downside Extreme downside</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g194.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 192
Credit risk continued
Economic loss drivers (audited)

Annual figures
GDP - annual growth    Extreme     Extreme
 Upside Base case Downside downside  Upside Base case Downside downside
UK % % % % Republic of Ireland % % % %
2021 7.0 7.0 7.0 7.0 2021 15.1 15.1 15.1 15.1
2022 8.1 5.0 1.5 (3.6) 2022 8.9 6.8 2.9 (4.9)
2023 2.1 1.6 2.4 4.1 2023 5.8 4.1 3.8 5.3
2024 1.2 0.9 1.6 1.2 2024 3.0 3.1 3.3 3.1
2025 1.2 1.3 1.4 1.4 2025 2.9 3.1 3.1 3.2
2026 1.2 1.5 1.6 1.5 2026 2.8 2.7 2.7 3.1

Unemployment rate - annual average
    Extreme     Extreme
 Upside Base case Downside downside  Upside Base case Downside downside
UK % % % % Republic of Ireland % % % %
2021 4.6 4.6 4.6 4.6 2021 11.2 11.2 11.2 11.2
2022 3.5 4.1 5.1 8.3 2022 4.5 5.5 8.8 13.7
2023 3.3 4.0 5.2 8.8 2023 4.1 5.3 7.2 10.2
2024 3.4 4.1 4.7 6.6 2024 4.0 5.1 6.3 8.4
2025 3.4 4.2 4.5 5.2 2025 4.0 5.0 5.7 7.5
2026 3.6 4.2 4.5 4.9 2026 4.0 5.0 5.5 7.0

House price index - four quarter growth
    Extreme     Extreme
 Upside Base case Downside downside  Upside Base case Downside downside
UK % % % % Republic of Ireland % % % %
2021 6.9 6.9 6.9 6.9 2021 12.9 12.9 12.9 12.9
2022 7.9 1.6 (2.9) (20.4) 2022 12.2 5.1 (3.3) (17.8)
2023 4.2 1.6 (0.2) (2.6) 2023 3.4 4.0 2.0 (4.7)
2024 3.1 2.9 1.7 13.0 2024 2.6 3.3 4.1 16.1
2025 3.0 2.7 3.0 4.7 2025 3.4 3.4 5.9 6.8
2026 3.0 2.7 3.0 3.6 2026 3.3 3.0 4.4 4.9

Commercial real estate price - four quarter growth  Bank of England base rate - annual average
    Extreme     Extreme
 Upside Base case Downside downside  Upside Base case Downside downside
UK % % % % UK % % % %
2021 8.4 8.4 8.4 8.4 2021 0.10 0.10 0.10 0.10
2022 10.2 4.4 (2.7) (29.8) 2022 1.02 0.63 1.06 (0.40)
2023 3.4 1.9 4.2 17.2 2023 1.58 1.00 1.06 (0.50)
2024 1.7 0.2 1.7 5.2 2024 1.75 1.00 0.50 (0.50)
2025 0.6 (0.8) 0.3 3.5 2025 1.75 0.90 0.50 (0.50)
2026 (0.8) (0.8) (0.2) 3.2 2026 1.75 0.75 0.50 (0.50)

Worst points

 31 December 2021  31 December 2020
   Extreme    Extreme
 Downside downside Downside downside
UK % Quarter % Quarter % Quarter % Quarter
GDP (1.8) Q1 2022 (7.9) Q1 2022 (5.1) Q1 2021 (10.4) Q1 2021
Unemployment rate (peak) 5.4 Q1 2023 9.4 Q4 2022 9.4 Q4 2021 13.9 Q3 2021
House price index (3.0) Q3 2023 (26.0) Q2 2023 (11.2) Q2 2021 (32.0) Q4 2021
Commercial real estate price (2.5) Q1 2022 (29.8) Q3 2022 (28.9) Q2 2021 (40.4) Q2 2021
Bank of England base rate 1.5 Q4 2022 (0.5) Q2 2022 (0.1) Q3 2021 (0.5) Q1 2021

Republic of Ireland
GDP (0.7) Q1 2022 (8.9) Q2 2022 (5.5) Q1 2021 (13.8) Q1 2021
Unemployment rate (peak) 9.4 Q2 2022 15.1 Q2 2022 16.5 Q2 2020 18.1 Q4 2020
House price index (0.1) Q4 2022 (25.1) Q2 2023 (13.3) Q3 2021 (27.0) Q4 2021

(1) For the unemployment rate, the figures show the peak levels. For the Bank of England base rate, the figures show highest or lowest levels. For other parameters, the figures show
falls relative to the starting period. The calculations are performed over five years, with a starting point of Q3 2021 for 31 December 2021 scenarios.
   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g195.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 193
Credit risk continued
Economic loss drivers (audited)
Use of the scenarios in Personal lending
Personal lending follows a discrete scenario approach. The PD
and LGD values for each discrete scenario are calculated using
product specific econometric models. Each account has a PD
and LGD calculated as probability weighted averages across
the suite of economic scenarios.
Use of the scenarios in Wholesale lending
The Wholesale lending ECL methodology is based on the
concept of credit cycle indices (CCIs). The CCIs represent,
similar to the exogenous component in Personal, all relevant
economic loss drivers for a region/industry segment
aggregated into a single index value that describes the loss
rate conditions in the respective segment relative to its long-run
average. A CCI value of zero corresponds to loss rates at long-
run average levels, a positive CCI value corresponds to loss
rates below long run average levels and a negative CCI value
corresponds to loss rates above long-run average levels.
The four economic scenarios are translated into forward-
looking projections of CCIs using a set of econometric models.
Subsequently the CCI projections for the individual scenarios
are averaged into a single central CCI projection according to
the given scenario probabilities. The central CCI projection is
then overlaid with an additional mean reversion assumption i.e.
that after one to two years into the forecast horizon the CCIs
start to gradually revert to their long-run average of zero.
Finally, ECL is calculated using a Monte Carlo approach by
averaging PD and LGD values arising from many CCI paths
simulated around the central CCI projection.
The rationale for the Wholesale approach is the long-standing
observation that loss rates in Wholesale portfolios tend to follow
regular cycles. This allows NatWest Group to enrich the range
and depth of future economic conditions embedded in the final
ECL beyond what would be obtained from using the discrete
macro-economic scenarios alone.
Business banking, while part of the Wholesale segment, for
reporting purposes, utilises the Personal lending rather than the
Wholesale lending methodology.

UK economic uncertainty
Treatment of COVID-19 relief mechanisms
Use of COVID-19 relief mechanisms (for example, payment
holidays, CBILS and BBLS) does not automatically merit
identification of a SICR and trigger a Stage 2 classification in
isolation. However, a subset of Personal customers who had
accessed payment holiday support, and where their risk profile
was identified as relatively high risk continue to be collectively
migrated into Stage 2 (if not already captured by other SICR
criteria).
For Wholesale customers, NatWest Group continues to provide
support, where appropriate, to existing customers. Those who
are deemed either (a) to require a prolonged timescale to
return to within NatWest Group&#x2019;s risk appetite, (b) not to have
been viable pre-COVID-19, or (c) not to be able to sustain their
debt once COVID-19 is over, will trigger a SICR and, if
concessions are sought, be categorised as forborne, in line with
regulatory guidance. Payment holiday extensions beyond an
aggregate of 12 months in an 18 month period to cover
continuing COVID-19 business interruption are categorised as
forbearance, including for customers where no other SICR
triggers are present.
In February 2021, the British Business Bank announced details
of Pay As You Grow (PAYG) options for borrowers of BBLS.
The scheme options include the extension of lending terms,
periods of reduced repayments and six month payment
holidays. PAYG options are a feature of BBLS rather than a
concession granted by NatWest Group. It is therefore not
automatically considered significant credit deterioration and a
Stage 2 trigger. NatWest Group relies on both customer
attestations and existing credit monitoring procedures to
identify significant financial difficulty. Should signs of financial
stress be identified, a review is performed. If credit
deterioration is confirmed, existing problem debt management
journeys are followed and forbearance (if a concession is
granted) is marked in line with existing processes. This will
result in Stage 2 transfer.






  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g196.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 194
Credit risk continued
Economic loss drivers (audited)
Model monitoring and enhancement
The severe economic impact from COVID-19 and the ensuing
government support schemes have disrupted the normal
relationships between key economic loss drivers and credit
outcomes. While most government support schemes have now
been phased out and economic conditions are normalising, the
effect of this disruption is still evident in model monitoring and
accounted for in judgments applied to the use and
recalibrations of models.
Most significantly, latest PD model monitoring shows general
overprediction across all key portfolios, i.e., observed default
rates still at or even below pre-COVID-19 levels despite
increased PD estimates from a deterioration in several key
economic variables. Model recalibrations to adjust for this
overprediction have been deferred based on the judgment that
default rate actuals are distorted due to government support.
In addition, to account for residual model uncertainty and the
risk of eventual default emergence hitherto supressed by
government support, lag assumptions of up to 12 months are
applied in the models. These assumptions are consistent with
and unchanged from previous disclosures in 2021, although
their effective impact gradually reduces over time.
Industry sector detail &#x2013; Wholesale only
The economic impact of COVID-19 is highly differentiated by
industry sector, with hospitality and other contact-based
leisure, service, travel and passenger transport activities
significantly more affected than the overall economy. On the
other hand, the corporate and commercial econometric
forecasting models used in Wholesale are sector agnostic.
Sector performance was monitored throughout the year and
additional post model adjustments were recognised where a
risk of higher than expected future default levels, including their
timing and value, was identified.


Scenario sensitivity &#x2013; Personal only
For the Personal lending portfolio, the forward-looking
components of the IFRS 9 PD models continue to be modified,
leveraging existing econometric models used in stress testing to
ensure that PDs appropriately reflect the forecasts for
unemployment and house prices in particular.
Additionally, post model ECL adjustments were made in
Personal to account for known model weaknesses pre-dating
COVID-19, pending the systematic re-development of the
underlying models.
Government guarantees
In April 2021, the UK government launched the Recovery Loan
Scheme, replacing previous support schemes which are now
closed. Consistent with CBILS and the Coronavirus Large
Business Interruption Loan Scheme (CLBILS), the government
guarantee is 80%. NatWest Group recognises lower LGDs for
these lending products as a result, with 0% applied to the
government-guaranteed part of the exposure. NatWest Group
does not directly adjust the measurement of PD due to the
government guarantee and continues to move exposures into
Stage 2 and Stage 3 where a significant deterioration in credit
risk or a default is identified.

Wholesale support schemes*
The table below shows the sector split for the Bounce Back Loan Scheme (BBLS) as well as associated debt split by stage.
Associated debt refers to the non-BBLS lending to customers who also have BBLS lending.

 Gross Carrying Amount
  Associated BBL and Of which:
 BBL debt associated debt Stage 1 Stage 2 Stage 3
31 December 2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Wholesale
Property  1,797 1,452 3,249 2,712 383 154
Financial institutions 39 32 71 41 26 4
Soverign 8 2 10 9 1 &#x2014;
Corporate 5,630 3,652 9,282 7,070 1,795 417
Of which:
  Airlines and aerospace 7 2 9 6 2 1
  Automotive 373 160 533 429 81 23
  Health 266 431 697 519 158 20
  Land transport and logistics 231 85 316 237 58 21
  Leisure 883 600 1,483 1,072 331 80
  Oil and gas 11 4 15 11 3 1
  Retail 956 445 1,401 1,110 236 55
Total 7,474 5,138 12,612 9,832 2,205 575

*Not within audit scope.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g197.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 195
Credit risk continued
Economic loss drivers (audited)
 Gross Carrying Amount
  Associated BBL and Of which:
 BBL debt associated debt Stage 1 Stage 2 Stage 3
31 December 2020 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Wholesale
Property  1,996 1,801 3,797 2,603 1,146 48
Financial institutions 49 35 84 47 37 &#x2014;
Soverign 11 2 13 12 1 &#x2014;
Corporate 6,242 4,105 10,347 7,390 2,861 96
Of which:
  Airlines and aerospace 7 3 10 7 3 &#x2014;
  Automotive 416 177 593 472 119 2
  Health 314 510 824 470 343 11
  Land transport and logistics 255 112 367 275 83 9
  Leisure 989 712 1,701 1,191 477 33
  Oil and gas 9 4 13 11 2 &#x2014;
  Retail 1,078 512 1,590 1,207 374 9
Total 8,298 5,943 14,241 10,052 4,045 144

(1) The Recovery Loan Scheme, a successor to the closed BBLS was launched on 6 April 2021. Uptake of the new scheme was minimal with 527 customers having drawn down &#xA3;54
million as at 31 December 2021
Measurement uncertainty and ECL sensitivity
analysis (audited)
The recognition and measurement of ECL is complex and
involves the use of significant judgment and estimation,
particularly in times of economic volatility and uncertainty. This
includes the formulation and incorporation of multiple forward-
looking economic conditions into ECL to meet the measurement
objective of IFRS 9. The ECL provision is sensitive to the model
inputs and economic assumptions underlying the estimate.
The focus of the simulations is on ECL provisioning
requirements on performing exposures in Stage 1 and Stage 2.
The simulations are run on a stand-alone basis and are
independent of each other; the potential ECL impacts reflect
the simulated impact at 31 December 2021. Scenario impacts
on SICR should be considered when evaluating the ECL
movements of Stage 1 and Stage 2. In all scenarios the total
exposure was the same but exposure by stage varied in each
scenario.
Stage 3 provisions are not subject to the same level of
measurement uncertainty &#x2013; default is an observed event as at
the balance sheet date. Stage 3 provisions therefore have not
been considered in this analysis.
The impact arising from the base case, upside, downside and
extreme downside scenarios has been simulated. These
scenarios are three of the four discrete scenarios used in the
methodology for Personal multiple economic scenarios as
described in the Economic loss drivers section. In the
simulations, NatWest Group has assumed that the economic
macro variables associated with these scenarios replace the
existing base case economic assumptions, giving them a 100%
probability weighting and therefore serving as a single
economic scenario.



These scenarios have been applied to all modelled portfolios in
the analysis below, with the simulation impacting both PDs and
LGDs. Modelled post model adjustments present in the
underlying ECL estimates are also sensitised in line with the
modelled ECL movements, but those that were judgmental in
nature, primarily those for deferred model calibrations and
economic uncertainty, were not (refer to the Governance and
post model adjustments section). As expected, the scenarios
create differing impacts on ECL by portfolio and the impacts
are deemed reasonable. In this simulation, it is assumed that
existing modelled relationships between key economic variables
and loss drivers hold, but in practice other factors would also
have an impact, for example, potential customer behaviour
changes and policy changes by lenders that might impact on
the wider availability of credit.
NatWest Group&#x2019;s core criterion to identify a SICR is founded on
PD deterioration, as discussed above. Under the simulations,
PDs change and result in exposures moving between Stage 1
and Stage 2 contributing to the ECL impact.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g198.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 196
Credit risk continued
Measurement uncertainty and ECL sensitivity analysis (audited)

 Extreme
2021 Actual Base case Upside Downside downside
Stage 1 modelled exposure (&#xA3;m)
Retail Banking - mortgages 157,456 157,803 159,093 153,018 128,673
Retail Banking - unsecured 7,386 7,435 7,675 6,939 5,975
Wholesale - property 28,047 28,137 28,181 27,995 26,074
Wholesale - non-property 103,604 104,080 104,309 103,749 92,645
 296,493 297,455 299,258 291,701 253,367
Stage 1 modelled ECL (&#xA3;m)
Retail Banking - mortgages 13 12 11 14 22
Retail Banking - unsecured 112 109 107 107 95
Wholesale - property 24 22 26 21 20
Wholesale - non-property 112 113 112 114 98
 261 256 256 256 235
Stage 2 modelled exposure (&#xA3;m)
Retail Banking - mortgages 10,728 10,381 9,091 15,166 39,511
Retail Banking - unsecured 2,934 2,885 2,645 3,381 4,345
Wholesale - property 3,220 3,130 3,086 3,272 5,193
Wholesale - non-property 16,908 16,432 16,203 16,763 27,867
 33,790 32,828 31,025 38,582 76,916
Stage 2 modelled ECL (&#xA3;m)
Retail Banking - mortgages 155 152 135 177 379
Retail Banking - unsecured 435 435 413 475 562
Wholesale - property 109 105 99 110 191
Wholesale - non-property 701 674 666 680 989
 1,400 1,366 1,313 1,442 2,121
Stage 1 and Stage 2 modelled exposure (&#xA3;m)
Retail Banking - mortgages 168,184 168,184 168,184 168,184 168,184
Retail Banking - unsecured 10,320 10,320 10,320 10,320 10,320
Wholesale - property 31,267 31,267 31,267 31,267 31,267
Wholesale - non-property 120,512 120,512 120,512 120,512 120,512
 330,283 330,283 330,283 330,283 330,283
Stage 1 and Stage 2 modelled ECL (&#xA3;m)
Retail Banking - mortgages 168 164 146 191 401
Retail Banking - unsecured 547 544 520 582 657
Wholesale - property 133 127 125 131 211
Wholesale - non-property 813 787 778 794 1,087
 1,661 1,622 1,569 1,698 2,356
Stage 1 and Stage 2 coverage (%)
Retail Banking - mortgages 0.10% 0.10% 0.09% 0.11% 0.24%
Retail Banking - unsecured 5.30% 5.27% 5.04% 5.64% 6.37%
Wholesale - property 0.43% 0.41% 0.40% 0.42% 0.67%
Wholesale - non-property 0.67% 0.65% 0.65% 0.66% 0.90%
 0.50% 0.49% 0.48% 0.51% 0.71%
Reconciliation to Stage 1 and Stage 2 ECL (&#xA3;m)
ECL on modelled exposures 1,661 1,622 1,569 1,698 2,356
ECL on Ulster Bank RoI modelled exposures 74 74 74 74 74
ECL on non-modelled exposures 45 45 45 45 45

Total Stage 1 and Stage 2 ECL 1,780 1,741 1,688 1,817 2,475
Variance &#x2013; (lower)/higher to actual total Stage 1 and Stage 2
ECL (39) (92) 37 695

(1) Variations in future undrawn exposure values across the scenarios are modelled, however the exposure position reported is that used to calculate modelled ECL as at 31 December
2021 and therefore does not include variation in future undrawn exposure values.
(2) Reflects ECL for all modelled exposure in scope for IFRS 9. The analysis excludes non-modelled portfolios and exposure relating to bonds and cash.
(3) Exposures related to Ulster Bank RoI continuing operations have not been included in the simulations, the current Ulster Bank RoI ECL has been included across all scenarios to
enable reconciliation to other disclosures.
(4) All simulations are run on a stand-alone basis and are independent of each other, with the potential ECL impact reflecting the simulated impact as at 31 December 2021. The

simulations change the composition of Stage 1 and Stage 2 exposure but total exposure is unchanged under each scenario as the loan population is static.
(5) Refer to the Economic loss drivers section for details of economic scenarios.
(6) Refer to the NatWest Group 2020 Annual Report on Form 20-F for 2020 comparatives. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g199.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 197
Credit risk continued
Measurement uncertainty and ECL adequacy
(audited)
&#xF02D; During 2021, both the Stage 2 size and overall modelled ECL
reduced as a result of the improved economic outlook and
scenario weightings, together with stable portfolio
performance. Judgmental ECL post model adjustments,
although reduced, continued to reflect residual economic
uncertainty with the expectation of increased defaults later
in 2022 and beyond, now representing 26% of total ECL
(2020 &#x2013; 16%). These combined factors, in conjunction with a
less severe suite of economics in the 2021 extreme downside
scenario, contributed to a smaller range of ECL sensitivities
at 31 December 2021 compared to the 2020 year end.
&#xF02D; If the economics were as negative as observed in the
extreme downside, total Stage 1 and Stage 2 ECL was
simulated to increase by &#xA3;0.7 billion (approximately 39%). In
this scenario, Stage 2 exposure increased significantly and
was the key driver of the simulated ECL rise. The movement
in Stage 2 balances in the other simulations was less
significant.
&#xF02D; In the Wholesale portfolios, the outcome range of scenarios,
except for the extreme downside, was relatively narrow.
This was due to the combined effect of the assumption that
government support schemes will delay defaults, mean
reversion of CCIs and that only in the extreme downside
CCIs do deteriorate beyond their year-end starting point.
&#xF02D; The lower modelled ECL in the downside scenario for
Wholesale compared to the actual central scenario reflected
the net effect of the MES weightings towards the downside
for ECL.
Single factor sensitivity
In addition to scenario sensitivity, NatWest Group uses single
factor analysis to support its evaluation and governance. This
covers changes such as the variation of an individual input
parameter (economic or credit) or a change of scenario
weightings. The application of single factor analysis recognises
the limitation that it is not normal for one single factor to vary in
isolation, but can help identify possible risks in the credit
portfolios.

At 31 December 2021, NatWest Group considered the effect of
moving the unemployment peak in the base case from 4.1% to
7.5% in 2022 but without changing expectations in subsequent
years. This had the effect of increasing ECL requirement by
approximately 4.5% and 2.5% for the UK Retail and Wholesale
portfolios respectively.


The lower effect on the Wholesale portfolio reflected that
unemployment is not a significant loss driver for property
exposures nor some of NatWest Group&#x2019;s specialised lending
areas.

The improvement in the economic outlook and scenarios used in
the IFRS 9 MES framework in 2021 resulted in a release of
modelled ECL. Given that continued uncertainty remains due to
COVID-19 despite the improved economic outlook, NatWest
Group utilised a framework of quantitative and qualitative
measures to support the directional change and levels of ECL
coverage, including economic data, credit performance insights
and problem debt trends. This was particularly important for
consideration of post model adjustments.
As government support schemes continued to conclude during
2021, NatWest Group anticipates further credit deterioration in
the portfolios. However, the income statement effect of this will
be mitigated by the forward-looking provisions retained on the
balance sheet as at 31 December 2021.
There are a number of key factors that could drive further
downside to impairments, through deteriorating economic and
credit metrics and increased stage migration as credit risk
increases for more customers. A key factor would be a more
adverse deterioration in GDP and unemployment in the
economies in which NatWest Group operates, but also, among
others:

&#xF02D; The ongoing trajectory of lockdown restrictions within the
UK and the Republic of Ireland, and any future repeated
lockdown requirements.
&#xF02D; The progress of the COVID-19 vaccination roll-out and its
effectiveness against new variants.
&#xF02D; The long-term efficacy of the various government support
schemes in terms of their ability to defray customer defaults
is yet to be proven over an extended period.
&#xF02D; The effect on customer affordability in the event of sustained
inflationary pressures.
&#xF02D; The level of revenues lost by corporate clients and pace of
recovery of those revenues may affect NatWest Group&#x2019;s
clients&#x2019; ability to service their borrowing, especially in those
sectors most exposed to the effects of COVID-19.

Movement in ECL provision*
The table below shows the main ECL provision movements.
 ECL provision &#xA3;m
At 1 January 2021 6,186
Transfers to disposal groups (166)
Changes in economic forecasts (611)
Changes in risk metrics and exposure: Stage 1 and Stage 2 (931)
Changes in risk metrics and exposure: Stage 3 374
Judgmental changes: changes in post model adjustments for Stage 1, Stage 2 and Stage 3 6
Write-offs and other (1,052)
At 31 December 2021 3,806
At 1 January 2020 3,792
2020 movements 2,394
At 31 December 2020 6,186

*Not within audit scope.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g200.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 198
Credit risk &#x2013; Banking activities
Introduction
This section details the credit risk profile of NatWest Group&#x2019;s banking activities. Refer to Accounting policy 11 and Note 15 to the
consolidated financial statements for policies and critical judgments relating to impairment loss determination.
Presentation of discontinued operations and assets and liabilities of disposal groups
Two legally binding agreements for the sale of the UBIDAC business were announced in 2021 as part of the phased withdrawal
from the Republic of Ireland: The sale of commercial lending to Allied Irish Banks p.l.c. and the performing non-tracker mortgages,
performing micro-SME loans, UBIDAC&#x2019;s asset finance business and 25 of its branch locations to Permanent TSB p.l.c.. The business
activities relating to these sales that meet the requirements of IFRS 5 are presented as a discontinued operation and as a disposal
group on 31 December 2021. The Ulster Bank RoI operating segment continues to be reported separately and reflects the results
of its continuing operations.
Refer to Note 8 to the consolidated financial statements for further details.
Financial instruments within the scope of the IFRS 9 ECL framework (audited)
Financial assets
 31 December 2021  31 December 2020
 Gross ECL Net Gross ECL Net
 &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
Balance sheet total gross amortised cost and FVOCI 596.1  555.0

In scope of IFRS 9 ECL framework 590.9  548.8
% in scope 99%  99%

Loans to customers - in scope - amortised cost 361.9 3.7 358.2 365.5 6.0 359.5
Loans to customers - in scope - FVOCI 0.3 &#x2014; 0.3 &#x2014; &#x2014; &#x2014;
Loans to banks - in scope - amortised cost 7.6 &#x2014; 7.6 6.8 &#x2014; 6.8
Total loans - in scope 369.8 3.7 366.1 372.3 6.0 366.3
  Stage 1 330.8 0.3 330.5 287.1 0.5 286.6
  Stage 2 34.0 1.4 32.6 78.9 3.0 75.9
  Stage 3 5.0 2.0 3.0 6.3 2.5 3.8

Other financial assets - in scope - amortised cost 184.4 &#x2014; 184.4 132.1 &#x2014; 132.1
Other financial assets - in scope - FVOCI 36.7 &#x2014; 36.7 44.4 &#x2014; 44.4
Total other financial assets - in scope 221.1 &#x2014; 221.1 176.5 &#x2014; 176.5
  Stage 1 220.8 &#x2014; 220.8 175.5 &#x2014; 175.5
  Stage 2 0.3 &#x2014; 0.3 1.0 &#x2014; 1.0

Out of scope of IFRS 9 ECL framework 5.2 na 5.2 6.2 na 6.2
Loans to customers - out of scope - amortised cost 0.8 na 0.8 1.0 na 1.0
Loans to banks - out of scope - amortised cost 0.1 na 0.1 0.1 na 0.1
Other financial assets - out of scope - amortised cost 4.0 na 4.0 4.6 na 4.6
Other financial assets - out of scope - FVOCI 0.3 na 0.3 0.5 na 0.5
na = not applicable


The assets outside the scope of IFRS 9 ECL framework were as
follows:
&#xF02D; Settlement balances, items in the course of collection, cash
balances and other non-credit risk assets of &#xA3;3.7 billion
(2020 &#x2013; &#xA3;4.1 billion). These were assessed as having no ECL
unless there was evidence that they were defaulted.
&#xF02D; Equity shares of &#xA3;0.3 billion (2020 &#x2013; &#xA3;0.3 billion) as not
within the IFRS 9 ECL framework by definition.
&#xF02D; Fair value adjustments on loans and debt securities hedged
by interest rate swaps, where the underlying loan was
within the IFRS 9 ECL scope &#x2013; &#xA3;0.8 billion (2020 &#x2013; &#xA3;1.4
billion).
&#xF02D; NatWest Group originated securitisations, where ECL was
captured on the underlying loans of &#xA3;0.4 billion (2020 &#x2013; &#xA3;0.4
billion).

Refer to Note 10 to the consolidated financial statements in the Annual Report on Form 20-F for balance sheet analysis of
financial assets that are classified as amortised cost or fair value through other comprehensive income (FVOCI), the
starting point for IFRS 9 ECL framework assessment. The table below excludes loans in disposal group of &#xA3;9.1 billion.

Contingent liabilities and commitments
In addition to contingent liabilities and commitments disclosed
in Note 27 to the consolidated financial statements in the
Annual Report on Form 20-F, reputationally-committed limits
are also included in the scope of the IFRS 9 ECL framework.
These were offset by &#xA3;0.8 billion (2020 &#x2013; &#xA3;0.2 billion) out of
scope balances primarily related to facilities that, if drawn,
would not be classified as amortised
cost or FVOCI, or undrawn limits relating to financial assets
exclusions. Total contingent liabilities (including financial
guarantees) and commitments within IFRS 9 ECL scope of
&#xA3;127.9 billion (2020 &#x2013; &#xA3;133.6 billion) comprised Stage 1 &#xA3;119.5
billion (2020 &#x2013; &#xA3;107.4 billion); Stage 2 &#xA3;7.8 billion (2020 &#x2013; &#xA3;25.2
billion); and Stage 3 &#xA3;0.6 billion (2020 &#x2013; &#xA3;1.0 billion).
The ECL relating to off balance sheet exposures is &#xA3;0.1 billion
(2020 - &#xA3;0.2 billion). The total ECL in the remainder of the
credit risk section of &#xA3;3.8 billion included ECL for both on and
off balance sheet exposures for continuing operations.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g201.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 199
Credit risk &#x2013; Banking activities continued
Segment analysis &#x2013; portfolio summary (audited)
The table below shows gross loans and ECL, by segment and stage, within the scope of the IFRS 9 ECL framework.
  Go -forward group
   Total Ulster
 Retail Private Commercial RBS NatWest Central items excluding Bank
 Banking Banking Banking International Markets &amp; other Ulster Bank RoI RoI Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Loans - amortised cost and FVOCI
Stage 1 168,013 17,600 82,893 16,185 8,290 32,283 325,264 5,560 330,824
Stage 2 13,594 967 17,853 477 147 90 33,128 853 33,981
Stage 3 1,884 270 1,820 162 99 &#x2014; 4,235 787 5,022
Of which: individual &#x2014; 270 631 162 91 &#x2014; 1,154 61 1,215
Of which: collective 1,884 &#x2014; 1,189 &#x2014; 8 &#x2014; 3,081 726 3,807
Subtotal excluding
  disposal group loans 183,491 18,837 102,566 16,824 8,536 32,373 362,627 7,200 369,827
Disposal group loans         9,084 9,084
Total          16,284 378,911
ECL provisions (1)
Stage 1 134 12 116 7 6 17 292 10 302
Stage 2  590 29 758 23 3 11 1,414 64 1,478
Stage 3 850 37 651 25 75 &#x2014; 1,638 388 2,026
Of which: individual &#x2014; 37 221 25 67 &#x2014; 350 13 363
Of which: collective 850 &#x2014; 430 &#x2014; 8 &#x2014; 1,288 375 1,663
Subtotal excluding ECL provisions
  on disposal group loans 1,574 78 1,525 55 84 28 3,344 462 3,806
ECL on disposal group loans         109 109
Total          571 3,915
ECL provisions coverage (2)
Stage 1 (%) 0.08 0.07 0.14 0.04 0.07 0.05 0.09 0.18 0.09
Stage 2 (%) 4.34 3.00 4.25 4.82 2.04 12.22 4.27 7.50 4.35
Stage 3 (%) 45.12 13.70 35.77 15.43 75.76 &#x2014; 38.68 49.30 40.34
ECL provisions coverage excluding
  disposal group loans 0.86 0.41 1.49 0.33 0.98 0.09 0.92 6.42 1.03
ECL provisions coverage on
  disposal group loans         1.20 1.20
Total          3.51 1.03
Impairment (releases)/losses
ECL (release)/charge (3) (36) (54) (1,073) (52) (35) &#x2014; (1,250) (28) (1,278)
Stage 1 (387) (45) (818) (39) (15) (3) (1,307) (70) (1,377)
Stage 2 157 (15) (272) (16) (11) 3 (154) (33) (187)
Stage 3 194 6 17 3 (9) &#x2014; 211 75 286
Of which: individual &#x2014; 6 19 3 (6) &#x2014; 22 (2) 20
Of which: collective 194 &#x2014; (2) &#x2014; (3) &#x2014; 189 77 266
Continuing operations (36) (54) (1,073) (52) (35) &#x2014; (1,250) (28) (1,278)
Discontinued operations         (57) (57)
Total         (85) (1,335)

Amounts written-off  220 6 467 28 67 &#x2014; 788 88 876
Of which: individual &#x2014; 6 378 28 43 &#x2014; 455 &#x2014; 455
Of which: collective 220 &#x2014; 89 &#x2014; 24 &#x2014; 333 88 421

For the notes to this table refer to the following page.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g202.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 200
Credit risk &#x2013; Banking activities continued
Segment analysis &#x2013; portfolio summary (audited)
  Go-forward group
  Total Ulster
 Retail Private Commercial RBS NatWest Central items excluding Bank
  Banking Banking Banking International Markets &amp; other Ulster Bank RoI RoI Total
2020 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Loans - amortised cost and FVOCI
Stage 1 139,956 15,321 70,685 12,143 7,780 26,859 272,744 14,380 287,124
Stage 2 32,414 1,939 37,344 2,242 1,566 110 75,615 3,302 78,917
Stage 3 1,891 298 2,551 211 171 &#x2014; 5,122 1,236 6,358
Of which: individual &#x2014; 298 1,578 211 162 &#x2014; 2,249 43 2,292
Of which: collective 1,891 &#x2014; 973 &#x2014; 9 &#x2014; 2,873 1,193 4,066
  174,261 17,558 110,580 14,596 9,517 26,969 353,481 18,918 372,399
ECL provisions (1)
Stage 1 134 31 270 14 12 13 474 45 519
Stage 2  897 68 1,713 74 49 15 2,816 265 3,081
Stage 3 806 39 1,069 48 132 &#x2014; 2,094 492 2,586
Of which: individual &#x2014; 39 607 48 124 &#x2014; 818 13 831
Of which: collective 806 &#x2014; 462 &#x2014; 8 &#x2014; 1,276 479 1,755
  1,837 138 3,052 136 193 28 5,384 802 6,186
ECL provisions coverage (2)
Stage 1 (%) 0.10 0.20 0.38 0.12 0.15 0.05 0.17 0.31 0.18
Stage 2 (%) 2.77 3.51 4.59 3.30 3.13 13.64 3.72 8.03 3.90
Stage 3 (%) 42.62 13.09 41.91 22.75 77.19 &#x2014; 40.88 39.81 40.67
  1.05 0.79 2.76 0.93 2.03 0.10 1.52 4.24 1.66
Impairment (releases)/losses
ECL (release)/charge (3,4) 792 100 1,927 107 40 26 2,992 139 3,131
Stage 1 (36) 25 (58) 8 (2) 10 (53) (36) (89)
Stage 2  619 60 1,667 71 54 15 2,486 115 2,601
Stage 3 209 15 318 28 (12) 1 559 60 619
Of which: individual &#x2014; 15 166 28 (3) &#x2014; 206 (12) 194
Of which: collective 209 &#x2014; 152 &#x2014; (9) 1 353 72 425
Continuing operations 792 100 1,927 107 40 26 2,992 139 3,131
Discontinued operations         111 111
Total         250 3,242

Amounts written-off  378 5 321 3 11 &#x2014; 718 219 937
Of which: individual &#x2014; 5 172 3 11 &#x2014; 191 &#x2014; 191
Of which: collective 378 &#x2014; 149 &#x2014; &#x2014; &#x2014; 527 219 746
(1) Includes &#xA3;5 million (2020 &#x2013; &#xA3;6 million) related to assets classified as FVOCI.
(2) ECL provisions coverage is calculated as ECL provisions divided by loans &#x2013; amortised cost and FVOCI. It is calculated on third party loans and total ECL provisions.
(3) Includes a &#xA3;3 million charge (2020 &#x2013; &#xA3;12 million charge) related to other financial assets, of which &#xA3;2 million release (2020 &#x2013; &#xA3;2 million charge) related to assets classified as FVOCI;
and &#xA3;34 million release (2020 &#x2013; &#xA3;28 million charge) related to contingent liabilities.
(4) Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated
framework section for further details. Other financial assets within the scope of the IFRS 9 ECL framework were cash and balances at central banks totalling &#xA3;176.3 billion (2020 &#x2013;
&#xA3;122.7 billion) and debt securities of &#xA3;44.9 billion (2020 &#x2013; &#xA3;53.8 billion).

&#xF02D; Stage 1 and Stage 2 ECL reduced significantly during 2021,
with sustained improvement in underlying risk metrics
mainly due to the improved economic outlook and
underpinned by various government support schemes.
&#xF02D; The Stage 2 population reduced reflecting lower underlying
PDs, resulting in migration of cases back into Stage 1.
However, the Stage 2 population remained above pre-
COVID-19 levels.
&#xF02D; Stage 3 loans and ECL balances reduced, mainly due to
write-off, repayment of defaulted debt and portfolio sale of
defaulted debt. To date, the various COVID-19 related
government support schemes have mitigated new flows into
default. It is expected that defaults will increase as the
effect of the various government support schemes unwinds.

The table below shows Ulster Bank RoI disposal groups for Personal and Wholesale, by stage, for gross loans, off-balance sheet
exposures and ECL. The tables in the rest of the Credit risk section are shown on a continuing basis and therefore exclude these
exposures.
 Loans - amortised cost  Off-balance sheet
 and FVOCI  Loan Contingent ECL provisions
 Stage 1 Stage 2 Stage 3 Total commitments liabilities Stage 1 Stage 2 Stage 3 Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Personal 5,547 210 34 5,791 &#x2014; &#x2014; 4 6 7 17
Wholesale 2,647 639 7 3,293 1,665 115 10 78 4 92
Total 8,194 849 41 9,084 1,665 115 14 84 11 109

financial statements in the Annual Report on Form 20-F.
(5) The table shows gross loans only and excludes amounts that are outside the scope of the ECL framework. Refer to the Financial instruments within the scope of the IFRS 9 ECL </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g203.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 201
Credit risk &#x2013; Banking activities continued
Segmental loans and impairment metrics (audited)
The table below shows gross loans and ECL provisions, by days past due, by segment and stage, within the scope of the ECL
framework.
  Gross loans   ECL provisions (2)
  Stage 2 (1)     Stage 2 (1)
  Not past  Not past
  Stage 1 due 1-30 DPD &gt;30 DPD Total Stage 3 Total Stage 1 due 1-30 DPD &gt;30 DPD Total Stage 3 Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Retail Banking 168,013 12,275 863 456 13,594 1,884 183,491 134 516 38 36 590 850 1,574
Private Banking 17,600 902 27 38 967 270 18,837 12 29 &#x2014; &#x2014; 29 37 78
Personal 14,350 137 24 11 172 232 14,754 6 2 &#x2014; &#x2014; 2 18 26
Wholesale 3,250 765 3 27 795 38 4,083 6 27 &#x2014; &#x2014; 27 19 52
Commercial
   Banking 82,893 16,792 437 624 17,853 1,820 102,566 116 724 23 11 758 651 1,525
RBS International 16,185 431 18 28 477 162 16,824 7 23 &#x2014; &#x2014; 23 25 55
Personal  2,647 21 17 11 49 57 2,753 2 1 &#x2014; &#x2014; 1 10 13
Wholesale 13,538 410 1 17 428 105 14,071 5 22 &#x2014; &#x2014; 22 15 42
NatWest Markets 8,290 129 &#x2014; 18 147 99 8,536 6 3 &#x2014; &#x2014; 3 75 84
Ulster Bank RoI 5,560 747 58 48 853 787 7,200 10 58 3 3 64 388 462
Personal 5,165 510 52 46 608 609 6,382 7 15 3 3 21 301 329
Wholesale 395 237 6 2 245 178 818 3 43 &#x2014; &#x2014; 43 87 133
Central items
   &amp; other 32,283 90 &#x2014; &#x2014; 90 &#x2014; 32,373 17 11 &#x2014; &#x2014; 11 &#x2014; 28
Total loans 330,824 31,366 1,403 1,212 33,981 5,022 369,827 302 1,364 64 50 1,478 2,026 3,806
Of which:
Personal 190,175 12,943 956 524 14,423 2,782 207,380 149 534 41 39 614 1,179 1,942
Wholesale  140,649 18,423 447 688 19,558 2,240 162,447 153 830 23 11 864 847 1,864
2020
Retail Banking 139,956 30,714 1,080 620 32,414 1,891 174,261 134 762 70 65 897 806 1,837
Private Banking 15,321 1,908 17 14 1,939 298 17,558 31 67 &#x2014; 1 68 39 138
Personal 12,799 116 17 11 144 263 13,206 7 2 &#x2014; &#x2014; 2 19 28
Wholesale 2,522 1,792 &#x2014; 3 1,795 35 4,352 24 65 &#x2014; 1 66 20 110
Commercial Banking 70,685 36,451 589 304 37,344 2,551 110,580 270 1,648 44 21 1,713 1,069 3,052
RBS International 12,143 2,176 46 20 2,242 211 14,596 14 72 1 1 74 48 136
Personal 2,676 18 17 14 49 70 2,795 3 1 &#x2014; &#x2014; 1 11 15
Wholesale 9,467 2,158 29 6 2,193 141 11,801 11 71 1 1 73 37 121
NatWest Markets 7,780 1,457 &#x2014; 109 1,566 171 9,517 12 49 &#x2014; &#x2014; 49 132 193
Ulster Bank RoI 14,380 2,964 144 194 3,302 1,236 18,918 45 227 15 23 265 492 802
Personal 11,117 1,500 115 130 1,745 1,064 13,926 27 74 9 13 96 392 515
Wholesale 3,263 1,464 29 64 1,557 172 4,992 18 153 6 10 169 100 287
Central items &amp; other 26,859 110 &#x2014; &#x2014; 110 &#x2014; 26,969 13 15 &#x2014; &#x2014; 15 &#x2014; 28
Total loans  287,124 75,780 1,876 1,261 78,917 6,358 372,399 519 2,840 130 111 3,081 2,586 6,186
Of which:
Personal 166,548 32,348 1,229 775 34,352 3,288 204,188 171 839 79 78 996 1,228 2,395
Wholesale  120,576 43,432 647 486 44,565 3,070 168,211 348 2,001 51 33 2,085 1,358 3,791
2019
Retail Banking 144,513 11,921 1,034 603 13,558 1,902 159,973 114 375 45 47 467 823 1,404
Private Banking 14,956 478 63 46 587 207 15,750 7 6 &#x2014; 1 7 29 43
Personal 11,630 180 60 41 281 192 12,103 3 2 &#x2014; 1 3 23 29
Wholesale 3,326 298 3 5 306 15 3,647 4 4 &#x2014; &#x2014; 4 6 14
Commercial Banking 88,100 10,837 254 262 11,353 2,162 101,615 152 195 12 7 214 1,021 1,387
RBS International 14,834 520 18 7 545 121 15,500 4 6 &#x2014; &#x2014; 6 21 31
Personal 2,799 27 17 6 50 65 2,914 1 1 &#x2014; &#x2014; 1 12 14
Wholesale 12,035 493 1 1 495 56 12,586 3 5 &#x2014; &#x2014; 5 9 17
NatWest Markets 9,273 176 4 &#x2014; 180 169 9,622 10 5 &#x2014; &#x2014; 5 131 146
Ulster Bank RoI 15,409 1,405 104 133 1,642 2,037 19,088 29 39 6 8 53 693 775
Personal 10,858 944 96 105 1,145 1,877 13,880 12 20 6 6 32 591 635
Wholesale 4,551 461 8 28 497 160 5,208 17 19 &#x2014; 2 21 102 140
Central items &amp; other 15,282 3 &#x2014; &#x2014; 3 &#x2014; 15,285 6 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 6
Total loans  302,367 25,340 1,477 1,051 27,868 6,598 336,833 322 626 63 63 752 2,718 3,792
Of which:
Personal 169,800 13,072 1,207 755 15,034 4,036 188,870 130 398 51 54 503 1,449 2,082
Wholesale  132,567 12,268 270 296 12,834 2,562 147,963 192 228 12 9 249 1,269 1,710

For the notes to this table refer to the following page.   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g204.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 202
Credit risk &#x2013; Banking activities continued
Segmental loans and impairment metrics (audited)
The table below shows ECL and ECL provisions coverage, by days past due, by segment and stage, within the scope of the ECL
framework.
 ECL provisions coverage  ECL
 Stage 2 (1,2)  Total
 Not past (release) / Amounts
 Stage 1 due 1-30 DPD &gt;30 DPD Total Stage 3 Total charge (3) written -off
2021 % % % % % % % &#xA3;m &#xA3;m
Retail Banking 0.08 4.20 4.40 7.89 4.34 45.12 0.86 (36) 220
Private Banking 0.07 3.22 &#x2014; &#x2014; 3.00 13.70 0.41 (54) 6
Personal 0.04 1.46 &#x2014; &#x2014; 1.16 7.76 0.18 1 3
Wholesale 0.18 3.53 &#x2014; &#x2014; 3.40 50.00 1.27 (55) 3
Commercial Banking 0.14 4.31 5.26 1.76 4.25 35.77 1.49 (1,073) 467
RBS International 0.04 5.34 &#x2014; &#x2014; 4.82 15.43 0.33 (52) 28
Personal 0.08 4.76 &#x2014; &#x2014; 2.04 17.54 0.47 &#x2014; 1
Wholesale 0.04 5.37 &#x2014; &#x2014; 5.14 14.29 0.30 (52) 27
NatWest Markets 0.07 2.33 &#x2014; &#x2014; 2.04 75.76 0.98 (35) 67
Ulster Bank RoI 0.18 7.76 5.17 6.25 7.50 49.30 6.42 (28) 88
Personal 0.14 2.94 5.77 6.52 3.45 49.43 5.16 (7) 76
Wholesale 0.76 18.14 &#x2014; &#x2014; 17.55 48.88 16.26 (21) 12
Central items &amp; other 0.05 12.22 &#x2014; &#x2014; 12.22 &#x2014; 0.09 &#x2014; &#x2014;
Total loans 0.09 4.35 4.56 4.13 4.35 40.34 1.03 (1,278) 876
Of which:
Personal 0.08 4.13 4.29 7.44 4.26 42.38 0.94 (42) 300
Wholesale  0.11 4.51 5.15 1.60 4.42 37.81 1.15 (1,236) 576

2020
Retail Banking 0.10 2.48 6.48 10.48 2.77 42.62 1.05 792 378
Private Banking 0.20 3.51 &#x2014; 7.14 3.51 13.09 0.79 100 5
Personal 0.05 1.72 &#x2014; &#x2014; 1.39 7.22 0.21 (5) 1
Wholesale 0.95 3.63 &#x2014; 33.33 3.68 57.14 2.53 105 4
Commercial Banking 0.38 4.52 7.47 6.91 4.59 41.91 2.76 1,927 321
RBS International 0.12 3.31 2.17 5.00 3.30 22.75 0.93 107 3
Personal 0.11 5.56 &#x2014; &#x2014; 2.04 15.71 0.54 4 3
Wholesale 0.12 3.29 3.45 16.67 3.33 26.24 1.03 103 &#x2014;
NatWest Markets 0.15 3.36 &#x2014; &#x2014; 3.13 77.19 2.03 40 11
Ulster Bank RoI 0.31 7.66 10.42 11.86 8.03 39.81 4.24 139 219
Personal 0.24 4.93 7.83 10.00 5.50 36.84 3.70 98 212
Wholesale 0.55 10.45 20.69 15.63 10.85 58.14 5.75 41 7
Central items &amp; other 0.05 13.64 &#x2014; &#x2014; 13.64 &#x2014; 0.10 26 &#x2014;
Total loans 0.18 3.75 6.93 8.80 3.90 40.67 1.66 3,131 937
Of which:
Personal 0.10 2.59 6.43 10.06 2.90 37.35 1.17 889 594
Wholesale  0.29 4.61 7.88 6.79 4.68 44.23 2.25 2,242 343

2019
Retail Banking 0.08 3.15 4.35 7.79 3.44 43.27 0.88 393 235
Private Banking 0.05 1.26 &#x2014; 2.17 1.19 14.01 0.27 (6) 1
Personal 0.03 1.11 &#x2014; 2.44 1.07 11.98 0.24 5 1
Wholesale 0.12 1.34 &#x2014; &#x2014; 1.31 40.00 0.38 (11) &#x2014;
Commercial Banking 0.17 1.80 4.72 2.67 1.88 47.22 1.36 391 450
RBS International 0.03 1.15 &#x2014; &#x2014; 1.10 17.36 0.20 2 5
Personal 0.04 3.70 &#x2014; &#x2014; 2.00 18.46 0.48 &#x2014; 5
Wholesale 0.02 1.01 &#x2014; &#x2014; 1.01 16.07 0.14 2 &#x2014;
NatWest Markets 0.11 2.84 &#x2014; &#x2014; 2.78 77.51 1.52 (51) 16
Ulster Bank RoI 0.19 2.78 5.77 6.02 3.23 34.02 4.06 (6) 85
Personal 0.11 2.12 6.25 5.71 2.79 31.49 4.57 11 69
Wholesale 0.37 4.12 &#x2014; 7.14 4.23 63.75 2.69 (17) 16
Central items &amp; other 0.04 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 0.04 1 &#x2014;
Total loans 0.11 2.47 4.27 5.99 2.70 41.19 1.13 724 792
Of which:
Personal 0.08 3.04 4.23 7.15 3.35 35.90 1.10 409 310
Wholesale  0.14 1.86 4.44 3.04 1.94 49.53 1.16 315 482

(1) 30 DPD &#x2013; 30 days past due, the mandatory 30 days past due backstop as prescribed by IFRS 9 for a SICR.
(2) ECL provisions on contingent liabilities and commitments are included within the Financial assets section so as not to distort ECL coverage ratios.
(3) Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated
financial statements.

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g205.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 203
Credit risk &#x2013; Banking activities continued
Segmental loans and impairment metrics (audited)
&#xF02D; Retail Banking &#x2013; Balance sheet growth during 2021 was
mainly due to mortgages. In line with the market, mortgage
demand was strong during the year, supported by the
extension of the stamp duty holiday and overall
improvements in economic conditions. The improved
economic outlook captured in the updated MES scenarios,
including a more positive forecast on unemployment levels,
resulted in reduced account level PDs. Unsecured lending
balances decreased as customer spend and demand for
borrowing were subdued as a result of COVID-19
restrictions, particularly in the first quarter of 2021. Lending
criteria were cautiously relaxed during 2021 to support
growing demand as lockdown restrictions eased.
&#xF02D; Portfolio performance remained stable, for further details
refer to the Personal portfolio section. Arrears levels in both
the mortgage and unsecured portfolios remained low
overall. However, a small number of customers who utilised
their full payment holiday, did migrate into late arrears
during the second half of the year. With COVID-19 payment
holidays complete, this trend stabilised by the year end and
new inflows to arrears were below pre-COVID-19 levels.
&#xF02D; ECL in Stage 2 decreased due to migrations back into
Stage 1, following the effects of improving economic
scenarios during 2021 and continued stable portfolio
performance supporting improved risk metrics. However,
the ECL coverage on remaining Stage 2 exposures
increased simply due to the relative underlying risk profile
of the remaining Stage 2 exposures. The various COVID-19
related customer support schemes (for example, loan
repayment holidays, government job retention scheme)
mitigated actual portfolio deterioration in the short-term,
with the arrears levels and flows into Stage 3 yet to be
materially affected. Total ECL coverage reduced further in
the fourth quarter of 2021, overall mirroring the positive
trajectory of the COVID-19 vaccinations, labour market
trends and portfolio performance, whilst maintaining
coverage for the key portfolios above pre-COVID-19 levels
given the persisting sources of uncertainty, including the
Omicron variant and inflationary pressures on customers.

&#xF02D; Commercial Banking &#x2013; Balance sheet reduction was mainly
as a result of repayments of both COVID-19 government
lending schemes and conventional borrowing where
demand was lower, particularly in the second half of the
year. Strategic reduction was achieved in high risk sectors.
&#xF02D; The improved economic outlook, including significant
increases in GDP and commercial real estate valuations,
resulted in lower IFRS 9 PDs. Consequently, compared to
2020, a smaller proportion of the exposures exhibited a
SICR, which resulted in a migration of assets from Stage 2
into Stage 1. As a result, the ECL requirement reduced.
&#xF02D; Reflecting the continued level of uncertainty caused by
COVID-19, management judged that certain ECL post
model adjustments remained necessary, refer to the
Governance and post model adjustments section for further
details. The increase in Stage 2 exposures that were past
due greater than 30 days was mainly due to the
commencement of repayments of government scheme debt
with some borrowers failing to meet scheduled repayments.
The lower coverage of this population was driven by the
guaranteed nature of government support schemes.
Conventional bank debt did not see a significant increase in
past due balances.
&#xF02D; The various COVID-19 related customer support schemes
and economic recovery continued to mitigate against flows
into default. The reduction in coverage in Stage 1 and
Stage 2 was mainly due to the decrease in ECL during
2021, primarily as a result of the improved economic
outlook. There was a reduction in Stage 3 coverage as
balances reduced and were not replaced by new flows,
write-offs of existing debt were also higher in the year.
Coverage remained above pre-COVID-19 levels. The loss
rate was significantly lower than in the prior year.
&#xF02D; Other &#x2013; The reasons for the increased ECL requirement
were similar to those described above.








 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g206.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 204
Credit risk &#x2013; Banking activities continued
Sector analysis &#x2013; portfolio summary (audited)
The table below shows financial assets and off-balance sheet exposures gross of ECL and related ECL provisions, impairment and
past due by sector, asset quality and geographical region.
 Personal  Wholesale
  Mortgages Credit Other
(1) cards personal Total Property Corporate FI Sovereign Total Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Loans by geography 194,011 3,947 9,422 207,380 32,522 70,851 53,041 6,033 162,447 369,827
  - UK 187,847 3,877 9,253 200,977 31,574 62,952 39,086 4,542 138,154 339,131
  - RoI 6,164 70 147 6,381 130 1,222 116 4 1,472 7,853
  - Other Europe &#x2014; &#x2014; &#x2014; &#x2014; 439 3,831 5,066 840 10,176 10,176
  - RoW &#x2014; &#x2014; 22 22 379 2,846 8,773 647 12,645 12,667
Loans by stage 194,011 3,947 9,422 207,380 32,522 70,851 53,041 6,033 162,447 369,827
  - Stage 1 180,418 2,924 6,833 190,175 28,679 53,803 52,263 5,904 140,649 330,824
  - Stage 2 11,543 933 1,947 14,423 3,101 15,604 732 121 19,558 33,981
  - Stage 3 2,050 90 642 2,782 742 1,444 46 8 2,240 5,022
  - Of which: individual 269 &#x2014; 19 288 329 583 7 8 927 1,215
  - Of which: collective 1,781 90 623 2,494 413 861 39 &#x2014; 1,313 3,807
Loans - past due analysis (3,4) 194,011 3,947 9,422 207,380 32,522 70,851 53,041 6,033 162,447 369,827
  - Not past due 190,834 3,834 8,619 203,287 31,391 68,630 52,285 6,030 158,336 361,623
  - Past due 1-30 days 1,217 28 124 1,369 521 1,081 732 2 2,336 3,705
  - Past due 31-89 days 592 25 73 690 256 448 19 1 724 1,414
  - Past due 90-180 days 367 22 61 450 91 215 1 &#x2014; 307 757
  - Past due &gt;180 days 1,001 38 545 1,584 263 477 4 &#x2014; 744 2,328
Loans - Stage 2 11,543 933 1,947 14,423 3,101 15,604 732 121 19,558 33,981
  - Not past due 10,259 899 1,785 12,943 2,725 14,870 708 120 18,423 31,366
  - Past due 1-30 days 843 16 97 956 125 318 4 &#x2014; 447 1,403
  - Past due 31-89 days 441 18 65 524 251 416 20 1 688 1,212
Weighted average life*
   - ECL measurement (years) 8 2 5 5 5 6 3 1 6 6
Weighted average 12 months
PDs*
  - IFRS 9 (%) 0.16 4.84 2.73 0.36 0.76 1.85 0.14 0.14 1.00 0.65
  - Basel (%) 0.76 3.31 3.22 0.91 1.20 1.74 0.14 0.16 1.04 0.97
ECL provisions by geography 768 260 914 1,942 374 1,411 57 22 1,864 3,806
  - UK 449 258 904 1,611 331 1,124 47 18 1,520 3,131
  - RoI 319 2 10 331 19 107 3 1 130 461
  - Other Europe &#x2014; &#x2014; &#x2014; &#x2014; 20 77 4 1 102 102
  - RoW &#x2014; &#x2014; &#x2014; &#x2014; 4 103 3 2 112 112
ECL provisions by stage  768 260 914 1,942 374 1,411 57 22 1,864 3,806
  - Stage 1 32 59 58 149 24 96 14 19 153 302
  - Stage 2 174 141 299 614 111 713 39 1 864 1,478
  - Stage 3 562 60 557 1,179 239 602 4 2 847 2,026
  - Of which: individual 19 &#x2014; 12 31 69 261 &#x2014; 2 332 363
  - Of which: collective 543 60 545 1,148 170 341 4 &#x2014; 515 1,663
ECL provisions coverage (%) 0.40 6.59 9.70 0.94 1.15 1.99 0.11 0.36 1.15 1.03
  - Stage 1 (%) 0.02 2.02 0.85 0.08 0.08 0.18 0.03 0.32 0.11 0.09
  - Stage 2 (%) 1.51 15.11 15.36 4.26 3.58 4.57 5.33 0.83 4.42 4.35
  - Stage 3 (%) 27.41 66.67 86.76 42.38 32.21 41.69 8.70 25.00 37.81 40.34
ECL (release)/charge (58) (14) 30 (42) (477) (724) (38) 3 (1,236) (1,278)
  - UK (52) (14) 31 (35) (457) (647) (12) 3 (1,113) (1,148)
  - RoI (6)  -  (1) (7) (5) (24) 2 &#x2014; (27) (34)
  - Other Europe &#x2014; &#x2014; &#x2014; &#x2014; (7) (7) (21) &#x2014; (35) (35)
  - RoW &#x2014; &#x2014; &#x2014; &#x2014; (8) (46) (7) &#x2014; (61) (61)

Amounts written-off  85 74 141 300 271 271 34 -    576 876

*Not within audit scope.


For the notes to this table refer to page 207 of this document.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g207.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 205
Credit risk &#x2013; Banking activities continued
Sector analysis &#x2013; portfolio summary (audited)

 Personal  Wholesale
   Credit Other
Mortgages (1) cards personal Total Property Corporate FI Sovereign Total Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Loans by residual maturity 194,011 3,947 9,422 207,380 32,522 70,851 53,041 6,033 162,447 369,827
 - &lt;1 year  3,611 2,532 3,197 9,340 7,497 22,593 41,195 2,809 74,094 83,434
 - 1-5 year 12,160 1,415 5,393 18,968 16,293 33,301 10,969 1,967 62,530 81,498
 - 5 year 178,240 &#x2014; 832 179,072 8,732 14,957 877 1,257 25,823 204,895
Other financial assets by asset
quality (2) &#x2014; &#x2014; &#x2014; &#x2014; 55 11 11,516 209,553 221,135 221,135
  - AQ1-AQ4 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 11 10,974 209,551 220,536 220,536
  - AQ5-AQ8 &#x2014; &#x2014; &#x2014; &#x2014; 55 &#x2014; 542 2 599 599
Off-balance sheet 16,827 15,354 8,230 40,411 16,342 52,033 17,898 1,212 87,485 127,896
  - Loan commitments 16,827 15,354 8,170 40,351 15,882 49,231 16,906 1,212 83,231 123,582
  - Financial guarantees &#x2014; &#x2014; 60 60 460 2,802 992 &#x2014; 4,254 4,314
Off-balance sheet by asset quality (2) 16,827 15,354 8,230 40,411 16,342 52,033 17,898 1,212 87,485 127,896
  - AQ1-AQ4 14,792 248 6,591 21,631 12,550 30,417 16,192 1,064 60,223 81,854
  - AQ5-AQ8 2,028 14,804 1,625 18,457 3,757 21,262 1,703 148 26,870 45,327
  - AQ9  &#x2014; 9 3 12 6 48 1 &#x2014; 55 67
  - AQ10 7 293 11 311 29 306 2 &#x2014; 337 648



For the notes to this table refer to page 207 of this document. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g208.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 206
Credit risk &#x2013; Banking activities continued
Sector analysis &#x2013; portfolio summary (audited)

 Personal  Wholesale
 Credit Other

Mortgages
(1) cards personal Total Property Corporate FI Sovereign Total Total
2020 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Loans by geography 190,516 3,895 9,777 204,188 38,076 77,533 47,643 4,959 168,211 372,399
  - UK 176,866 3,816 9,580 190,262 35,617 65,968 34,847 3,776 140,208 330,470
  - RoI 13,650 79 197 13,926 1,241 4,056 348 30 5,675 19,601
  - Other Europe &#x2014; &#x2014; &#x2014; &#x2014; 772 4,132 4,535 538 9,977 9,977
  - RoW &#x2014; &#x2014; &#x2014; &#x2014; 446 3,377 7,913 615 12,351 12,351
Loans by stage 190,516 3,895 9,777 204,188 38,076 77,533 47,643 4,959 168,211 372,399
  - Stage 1 158,387 2,411 5,750 166,548 23,733 48,090 44,002 4,751 120,576 287,124
  - Stage 2 29,571 1,375 3,406 34,352 13,021 27,716 3,624 204 44,565 78,917
  - Stage 3 2,558 109 621 3,288 1,322 1,727 17 4 3,070 6,358
  - of which: individual 308 &#x2014; 26 334 987 958 9 4 1,958 2,292
  - of which: collective 2,250 109 595 2,954 335 769 8 &#x2014; 1,112 4,066
Loans - past due analysis (3,4) 190,516 3,895 9,777 204,188 38,076 77,533 47,643 4,959 168,211 372,399
  - Not past due 186,592 3,770 8,868 199,230 36,818 75,690 47,195 4,689 164,392 363,622
  - Past due 1-30 days 1,482 29 192 1,703 348 990 328 270 1,936 3,639
  - Past due 31-89 days 863 26 135 1,024 260 251 113 &#x2014; 624 1,648
  - Past due 90-180 days 456 20 66 542 161 67 &#x2014; &#x2014; 228 770
  - Past due &gt;180 days 1,123 50 516 1,689 489 535 7 &#x2014; 1,031 2,720
Loans - Stage 2 29,571 1,375 3,406 34,352 13,021 27,716 3,624 204 44,565 78,917
  - Not past due 27,893 1,340 3,115 32,348 12,708 27,036 3,484 204 43,432 75,780
  - Past due 1-30 days 1,038 18 173 1,229 160 457 30 &#x2014; 647 1,876
  - Past due 31 -89 days 640 17 118 775 153 223 110 &#x2014; 486 1,261
Weighted average life*
   - ECL measurement (years) 9 2 5 6 4 6 4 &#x2014; 5 5
Weighted average 12 months PDs*
  - IFRS 9 (%) 0.72 6.17 4.82 1.03 3.99 3.70 0.51 0.13 2.73 1.81
  - Basel (%) 0.85 3.40 3.82 1.03 1.66 2.51 0.32 0.15 1.54 1.25
ECL provisions by geography 1,005 354 1,036 2,395 1,175 2,478 121 17 3,791 6,186
  - UK 506 351 1,024 1,881 1,069 1,907 60 12 3,048 4,929
  - RoI 499 3 12 514 41 277 3 1 322 836
  - Other Europe &#x2014; &#x2014; &#x2014; &#x2014; 53 125 46 1 225 225
  - RoW &#x2014; &#x2014; &#x2014; &#x2014; 12 169 12 3 196 196
ECL provisions by stage  1,005 354 1,036 2,395 1,175 2,478 121 17 3,791 6,186
  - Stage 1 51 53 67 171 123 188 23 14 348 519
  - Stage 2 319 225 452 996 507 1,487 90 1 2,085 3,081
  - Stage 3 635 76 517 1,228 545 803 8 2 1,358 2,586
  - of which: individual 18 &#x2014; 12 30 360 436 3 2 801 831
  - of which: collective 617 76 505 1,198 185 367 5 &#x2014; 557 1,755
ECL provisions coverage (%) 0.53 9.09 10.60 1.17 3.09 3.20 0.25 0.34 2.25 1.66
  - Stage 1 (%) 0.03 2.20 1.17 0.10 0.52 0.39 0.05 0.29 0.29 0.18
  - Stage 2 (%) 1.08 16.36 13.27 2.90 3.89 5.37 2.48 0.49 4.68 3.90
  - Stage 3 (%) 24.82 69.72 83.25 37.35 41.23 46.50 47.06 50.00 44.23 40.67
ECL (release)/charge (5) 276 191 422 889 733 1,407 95 7 2,242 3,131
  - UK 181 190 420 791 703 1,276 48 6 2,033 2,824
  - RoI 95 1 2 98 (1) 54 &#x2014; &#x2014; 53 151
  - Other Europe &#x2014; &#x2014; &#x2014; &#x2014; 21 34 38 &#x2014; 93 93
  - RoW &#x2014; &#x2014; &#x2014; &#x2014; 10 43 9 1 63 63

Amounts written-off  221 95 278 594 54 287 2 &#x2014; 343 937

*Not within audit scope.

For the notes to this table refer to the following page.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g209.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 207
Credit risk &#x2013; Banking activities continued
Sector analysis &#x2013; portfolio summary (audited)

  Personal   Wholesale
   Credit Other
Mortgages cards personal Total  Property Corporate FI Sovereign Total Total
2020 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Loans by residual maturity  190,516 3,895 9,777 204,188 38,076 77,533 47,643 4,959 168,211 372,399
 - &lt;1 year  3,831 2,557 3,249 9,637 8,669 23,015 38,203 2,196 72,083 81,720
 - 1-5 year  12,193 1,338 5,509 19,040 20,029 36,640 8,340 1,590 66,599 85,639
 - 5 year  174,492 &#x2014; 1,019 175,511 9,378 17,878 1,100 1,173 29,529 205,040
Other financial assets by asset
quality (2) &#x2014; &#x2014; &#x2014; &#x2014; 98 116 11,093 165,209 176,516 176,516
  - AQ1-AQ4 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 116 10,734 165,184 176,034 176,034
  - AQ5-AQ8 &#x2014; &#x2014; &#x2014; &#x2014; 98 &#x2014; 359 25 482 482
Off-balance sheet 14,557 14,262 10,186 39,005 17,397 58,635 17,011 1,587 94,630 133,635
  - Loan commitments 14,554 14,262 10,144 38,960 16,829 55,496 15,935 1,585 89,845 128,805
  - Financial guarantees 3 &#x2014; 42 45 568 3,139 1,076 2 4,785 4,830
Off-balance sheet by asset quality (2) 14,557 14,262 10,186 39,005 17,397 58,635 17,011 1,587 94,630 133,635
  - AQ1-AQ4 13,610 148 8,008 21,766 12,917 33,939 15,460 1,404 63,720 85,486
  - AQ5-AQ8 937 13,809 2,152 16,898 4,372 24,065 1,544 183 30,164 47,062
  - AQ9 1 8 9 18 13 76 1 &#x2014; 90 108
  - AQ10 9 297 17 323 95 555 6 &#x2014; 656 979


(1) Includes a portion of Private Banking lending secured against residential real estate, in line with ECL calculation methodology. Private Banking and RBS International mortgages are
reported in UK, which includes crown dependencies, reflecting the country of lending origination.
(2) AQ bandings are based on Basel PDs and mapping is as follows:

Internal asset
quality band
Probability of
default range
Indicative
S&amp;P rating
AQ1 0% - 0.034% AAA to AA
AQ2  0.034% - 0.048%  AA to AA-
AQ3 0.048% - 0.095% A+ to A
AQ4 0.095% - 0.381% BBB+ to BBB-
AQ5 0.381% - 1.076% BB+ to BB
AQ6 1.076% - 2.153% BB- to B+
AQ7 2.153% - 6.089% B+ to B
AQ8 6.089% - 17.222% B- to CCC+
AQ9 17.222% - 100% CCC to C
AQ10 100% D
&#xA3;0.3 billion (2020 &#x2013; &#xA3;0.3 billion) of AQ10 Personal balances primarily relate to loan commitments, the drawdown of which is effectively prohibited. AQ10 includes &#xA3;0.2 billion (2020 &#x2013;
&#xA3;0.4 billion) of RoI mortgages which are not currently considered defaulted for capital calculation purposes for RoI but are included in Stage 3.
(3) 30 DPD &#x2013; 30 days past due, the mandatory 30 days past due backstop as prescribed by IFRS 9 for a SICR.
(4) Days past due &#x2013; Personal products: at a high level, for amortising products, the number of days past due is derived from the arrears amount outstanding and the monthly
repayment instalment. For credit cards, it is based on payments missed, and for current accounts the number of continual days in excess of borrowing limit. Wholesale products: the
number of days past due for all products is the number of continual days in excess of borrowing limit.


(5) Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8 to the consolidated
financial statements in the Annual Report on Form 20-F. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g210.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 208
Credit risk &#x2013; Banking activities continued
Sector analysis &#x2013; portfolio summary (audited)
The table below shows ECL by stage, for the Personal portfolios and key sectors of the Wholesale portfolios, that continue to be
affected by COVID-19.
   Off -balance sheet
 Loans - amortised cost and FVOCI  Loan Contingent ECL provisions
 Stage 1 Stage 2 Stage 3 Total commitments liabilities Stage 1 Stage 2 Stage 3 Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Personal 190,175 14,423 2,782 207,380 40,351 60 149 614 1,179 1,942
  Mortgages 180,418 11,543 2,050 194,011 16,827 &#x2014; 32 174 562 768
  Credit cards 2,924 933 90 3,947 15,354 &#x2014; 59 141 60 260
  Other personal 6,833 1,947 642 9,422 8,170 60 58 299 557 914
Wholesale 140,649 19,558 2,240 162,447 83,231 4,254 153 864 847 1,864
  Property 28,679 3,101 742 32,522 15,882 460 24 111 239 374
  Financial institutions 52,263 732 46 53,041 16,906 992 14 39 4 57
  Sovereign 5,904 121 8 6,033 1,212 &#x2014; 19 1 2 22
  Corporate 53,803 15,604 1,444 70,851 49,231 2,802 96 713 602 1,411
  Of which:
    Airlines and aerospace 779 668 44 1,491 1,528 221 1 39 15 55
    Automotive 5,133 1,304 38 6,475 3,507 65 9 32 10 51
    Health 3,818 1,235 133 5,186 799 9 9 58 48 115
    Land transport and logistics 3,721 833 39 4,593 3,069 188 4 53 12 69
    Leisure 3,712 4,050 340 8,102 1,874 107 11 247 133 391
    Oil and gas 1,482 141 52 1,675 1,126 453 1 14 28 43
    Retail 6,380 1,342 180 7,902 4,872 410 8 29 66 103
Total 330,824 33,981 5,022 369,827 123,582 4,314 302 1,478 2,026 3,806

2020
Personal 166,548 34,352 3,288 204,188 38,960 45 171 996 1,228 2,395
  Mortgages 158,387 29,571 2,558 190,516 14,554 3 51 319 635 1,005
  Credit cards 2,411 1,375 109 3,895 14,262 &#x2014; 53 225 76 354
  Other personal 5,750 3,406 621 9,777 10,144 42 67 452 517 1,036
Wholesale 120,576 44,565 3,070 168,211 89,845 4,785 348 2,085 1,358 3,791
  Property 23,733 13,021 1,322 38,076 16,829 568 123 507 545 1,175
  Financial institutions 44,002 3,624 17 47,643 15,935 1,076 23 90 8 121
  Sovereign 4,751 204 4 4,959 1,585 2 14 1 2 17
  Corporate 48,090 27,716 1,727 77,533 55,496 3,139 188 1,487 803 2,478
  Of which:
    Airlines and aerospace 753 1,213 41 2,007 1,888 215 2 42 25 69
    Automotive 4,383 1,759 161 6,303 4,205 102 17 63 17 97
    Health 2,694 2,984 131 5,809 616 14 13 164 48 225
    Land transport and logistics 2,868 1,823 111 4,802 3,782 197 8 98 32 138
    Leisure 3,299 6,135 385 9,819 2,199 125 22 439 204 665
    Oil and gas 1,178 300 83 1,561 2,225 346 4 20 59 83
    Retail 6,702 2,282 187 9,171 5,888 512 18 112 101 231
Total 287,124 78,917 6,358 372,399 128,805 4,830 519 3,081 2,586 6,186

Wholesale forbearance (audited)
The table below shows Wholesale forbearance, Heightened Monitoring and Risk of Credit Loss by sector. Personal forbearance is
disclosed in the Personal portfolio section. This table show current exposure but reflects risk transfers where there is a guarantee
by another customer.
 Property FI Other corporate Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Forbearance (flow) 709 27 3,894 4,630
Forbearance (stock) 1,033 35 5,659 6,727
Heightened Monitoring and Risk of Credit Loss 1,225 83 4,492 5,800
2020
Forbearance (flow) 1,597 68 4,201 5,866
Forbearance (stock) 1,744 92 4,983 6,819
Heightened Monitoring and Risk of Credit Loss 1,600 155 5,771 7,526

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g211.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 209
Credit risk &#x2013; Banking activities continued
Sector analysis &#x2013; portfolio summary (audited)
&#xF02D; Loans by geography &#x2013; In Personal, exposures continued to
be concentrated in the UK and heavily weighted to
mortgages and the vast majority of exposures in the
Republic of Ireland was also mostly in mortgages. Balance
sheet growth during the year was mainly in mortgages.
Unsecured lending balances were subdued as noted
previously. In Wholesale, exposures were mainly in the UK.
Balance sheet reduction was primarily due to repayments
of both COVID-19 government lending schemes and
conventional borrowing where demand was lower.
Strategic reduction was achieved in high risk sectors.
&#xF02D; Loans by stage &#x2013; In both Wholesale and Personal, the
improved economic outlook resulted in reduced IFRS 9 PDs
compared to 2020. This, alongside continued benign credit
performance of the portfolio, resulted in a smaller
proportion of accounts exhibiting a SICR and thereby an
associated migration of exposures from Stage 2 into Stage
1. In the absence of any other forbearance or SICR triggers,
customers granted COVID-19 related payment holidays
were not considered forborne and did not result in an
automatic trigger into Stage 2. However, a subset of
Personal customers who had accessed payment holiday
support, and where their risk profile was identified as
relatively high, continued to be collectively migrated into
Stage 2. In Wholesale, BBLS customers granted PAYG
options, including the extension of lending terms, periods of
reduced repayments and six month payment holidays, were
not automatically considered significantly credit
deteriorated. PAYG options are a feature of BBLS rather
than a concession granted by NatWest Group.
&#xF02D; Loans &#x2013; Past due analysis &#x2013; The various COVID-19 related
customer support schemes (capital repayment holidays,
government job retention scheme, government supported
lending schemes) are mitigating actual portfolio
deterioration in the short-term, although there have been
some small increases in past due exposures.
&#xF02D; Weighted average 12 months PDs &#x2013; In Personal, the Basel II
point-in-time PDs improved slightly during 2021. The
forward-looking IFRS 9 PDs reduced significantly during
2021 reflecting the improved economics. PD reductions
were most evident in Personal mortgages due to benign
arrears performance (catalysed by COVID-19 support
schemes) combined with the improved economic outlook,
which is connected to the need for collective SICR
migration and judgmental post model adjustments. In
Wholesale, the Basel II PDs were based on a through-the-
cycle approach and decreased less than the forward-
looking IFRS 9 PDs which reduced, reflecting the improved
economic outlook.  For further details refer to the Asset
quality section.
&#xF02D; ECL provision by geography &#x2013; In line with the point relating
to loans by geography above, the vast majority of ECL
related to exposures in the UK and the Republic of Ireland.
&#xF02D; ECL provisions by stage &#x2013; Stage 1 and Stage 2 provisions
reduced reflecting the improved economic outlook. As
outlined above, Stage 3 provisions have yet to be materially
affected, underpinned by the various customer support
schemes noted previously.



&#xF02D; ECL provisions coverage &#x2013; Overall provisions coverage
reduced, mainly due to the improvement in economic
outlook and scenario weightings. The base economic
scenario improved reflecting the faster than expected
vaccination roll-out, better than expected actual economic
data and strong government support. Stage 2 coverage
increased during the period for some portfolios and notably
on certain Wholesale sectors due to the inclusion of the
recovery risk overlay and lower Stage 2 balances.
&#xF02D; The ECL charge and loss rate &#x2013; Reflecting the improved
economic outlook, the impairment charge was significantly
lower, with a material reduction in the annualised loss rate.
&#xF02D; Loans by residual maturity &#x2013; In mortgages, as expected, the
vast majority of exposures were greater than five years. In
unsecured lending &#x2013; cards and other &#x2013; exposures were
concentrated in less than five years. In Wholesale, with the
exception of financial institutions where lending was
concentrated in less than one year, the majority of lending
was for residual maturity of one to five years, with some
greater than five years in line with lending under the
government support schemes.
&#xF02D; Other financial assets by asset quality &#x2013; Consisting almost
entirely of cash and balances at central banks and debt
securities, held in the course of treasury related
management activities, these assets were mainly within the
AQ1-AQ4 bands.
&#xF02D; Off-balance sheet exposures by asset quality &#x2013; In Personal,
undrawn exposures were reflective of available credit lines
in credit cards and current accounts. Additionally, the
mortgage portfolio had undrawn exposures, where a formal
offer had been made to a customer but had not yet drawn
down; the value increased in line with the pipeline of offers.
There was also a legacy portfolio of flexible mortgages
where a customer had the right and ability to draw down
further funds. The asset quality was aligned to the wider
portfolio. In Wholesale, undrawn exposures declined in line
with muted credit demand, with customers repaying
revolving credit and working capital facilities to optimise
liquidity. In addition, sector appetite adjustments in high risk
sectors reduced off-balance sheet exposures to these
sectors.
&#xF02D; Wholesale forbearance &#x2013; Customers seeking COVID-19
related support, including payment holidays, who were not
subject to any wider SICR triggers and who were assessed
as having the ability in the medium term post-COVID-19 to
be viable and meet credit appetite metrics, were not
considered to have been granted forbearance. Customers
seeking a payment holiday extension beyond an aggregate
of 12 months in an 18 month period were considered to
have been granted forbearance and were classed as
heightened monitoring. This classification did not apply to
customers with BBLS taking a PAYG payment holiday
option. For Wholesale, forbearance flow decreased in the
second half of 2021 following the lifting of most COVID-19
restrictions. The leisure sector represented the largest
share of forbearance flow throughout 2021 due to
disruption caused by the periodic presence of COVID-19
restrictions and resultant consumer uncertainty. Payment
holidays and covenant waivers were the most common
forms of forbearance granted.
&#xF02D; Heightened Monitoring and Risk of Credit Loss &#x2013; Inflows
decreased during 2021 compared to 2020. The reduction in
value was mainly due to the lower number of inflows as
well as a small number of high value customers who moved
out of the framework as economic conditions improved.
While noting the reduced flows into Heightened Monitoring
and Risk of Credit Loss and the improved stock position, the
volume and value of cases remained higher than pre-
COVID-19 levels. The sector breakdown of exposures
remained consistent with prior periods. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g212.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 210
Credit risk &#x2013; Banking activities continued
Credit risk enhancement and mitigation (audited)
The table below shows exposures of modelled portfolios within the scope of the ECL framework and related credit risk
enhancement and mitigation (CREM).
 Gross  Maximum credit risk   CREM by type   CREM coverage   Exposure post CREM
  exposure ECL Total  Stage 3 Financial
(1) Property Other (2) Total Stage 3  Total Stage 3
2021 &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn  &#xA3;bn &#xA3;bn
Financial assets
Cash and balances at central banks 176.3 &#x2014; 176.3 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 176.3 &#x2014;
Loans - amortised cost (3) 369.8 3.7 366.1 3.0 41.1 232.7 23.5 297.3 2.7 68.8 0.3
  Personal (4) 207.4 1.9 205.5 1.6 1.3 192.6 &#x2014; 193.9 1.5 11.6 0.1
  Wholesale (5) 162.4 1.8 160.6 1.4 39.8 40.1 23.5 103.4 1.2 57.2 0.2
Debt securities 44.9 &#x2014; 44.9 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 44.9 &#x2014;
Total financial assets 591.0 3.7 587.3 3.0 41.1 232.7 23.5 297.3 2.7 290.0 0.3

Contingent liabilities and commitments
  Personal (6,7) 40.4 &#x2014; 40.4 0.3 0.5 4.9 &#x2014; 5.4 &#x2014; 35.0 0.3
  Wholesale 87.5 0.1 87.4 0.3 3.2 7.9 3.9 15.0 0.1 72.4 0.2
Total off-balance sheet 127.9 0.1 127.8 0.6 3.7 12.8 3.9 20.4 0.1 107.4 0.5
Total exposure 718.9 3.8 715.1 3.6 44.8 245.5 27.4 317.7 2.8 397.4 0.8
2020
Financial assets
Cash and balances at central banks 122.7 &#x2014; 122.7 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 122.7 &#x2014;
Loans - amortised cost (3) 372.4 6.0 366.4 3.8 38.6 232.7 23.7 295.0 3.3 71.4 0.5
  Personal (4) 204.2 2.4 201.8 2.1 0.3 189.5 &#x2014; 189.8 1.9 12.0 0.2
  Wholesale (5) 168.2 3.6 164.6 1.7 38.3 43.2 23.7 105.2 1.4 59.4 0.3
Debt securities 53.8 &#x2014; 53.8 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 53.8 &#x2014;
Total financial assets 548.9 6.0 542.9 3.8 38.6 232.7 23.7 295.0 3.3 247.9 0.5

Contingent liabilities and commitments
  Personal (6,7) 39.0 &#x2014; 39.0 0.3 &#x2014; 4.1 &#x2014; 4.1 &#x2014; 34.9 0.3
  Wholesale 94.6 0.2 94.4 0.6 3.3 7.6 4.6 15.5 0.1 78.9 0.5
Total off-balance sheet 133.6 0.2 133.4 0.9 3.3 11.7 4.6 19.6 0.1 113.8 0.8
Total exposure 682.5 6.2 676.3 4.7 41.9 244.4 28.3 314.6 3.4 361.7 1.3

(1) Includes cash and securities collateral.
(2) Includes guarantees, charges over trade debtors, other asset finance related physical collateral as well as the amount by which credit risk exposure is reduced through netting
arrangements, mainly cash management pooling, which give NatWest Group a legal right to set off the financial asset against a financial liability due to the same counterparty.
(3) NatWest Group holds collateral in respect of individual loans &#x2013; amortised cost to banks and customers. This collateral includes mortgages over property (both personal and
commercial); charges over business assets such as plant and equipment; inventories and trade debtors; and guarantees of lending from parties other than the borrower. NatWest
Group obtains collateral in the form of securities in reverse repurchase agreements. Collateral values are capped at the value of the loan.
(4) Stage 3 mortgage exposures have relatively limited uncovered exposure reflecting the security held. On unsecured credit cards and other personal borrowing, the residual
uncovered amount reflects historical experience of continued cash recovery post default through ongoing engagement with customers.
(5) Stage 3 exposures post credit risk enhancement and mitigation in Wholesale mainly represent enterprise value and the impact of written down collateral values; an individual
assessment to determine ECL will consider multiple scenarios and in some instances allocate a probability weighting to a collateral value in excess of the written down value.
(6) &#xA3;0.3 billion (2020 &#x2013; &#xA3;0.3 billion) Personal Stage 3 balances primarily relate to loan commitments, the draw down of which is effectively prohibited.
(7) The Personal gross exposure value includes &#xA3;11.8 billion (2020 &#x2013; &#xA3;10.0 billion) in respect of pipeline mortgages where a committed offer has been made to a customer but where
the funds have not yet been drawn down. When drawn down, the exposure would be covered by a security over the borrower&#x2019;s property.

   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g213.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 211
Credit risk &#x2013; Banking activities continued
Personal portfolio (audited)
Disclosures in the Personal portfolio section include drawn exposure (gross of provisions).
 2021  2020
  Retail Private RBS Ulster   Retail Private RBS Ulster
Personal lending Banking Banking International Bank RoI Total Banking Banking International Bank RoI Total
&#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Mortgages 172,707 12,781 2,444 6,164 194,096 163,107 10,910 2,517 13,678 190,212
Of which:
  Owner occupied 158,059 11,219 1,597 5,563 176,438 148,614 9,601 1,676 12,781 172,672
  Buy-to-let 14,648 1,562 847 601 17,658 14,493 1,309 841 897 17,540
  Interest only - variable 4,348 4,889 346 120 9,703 5,135 4,375 347 159 10,016
  Interest only - fixed 14,255 5,957 209 3 20,424 13,776 4,758 233 10 18,777
  Mixed (1) 8,616 1 17 34 8,668  7,321 1 20 56 7,398
  Impairment provisions (2) 429 7 8 318 762  483 5 9 499 996
Other personal lending (3) 10,829 1,974 305 218 13,326  11,116 1,613 279 276 13,284
Impairment provisions (2) 1,140 19 2 11 1,172  1,348 20 1 15 1,384
Total personal lending 183,536 14,755 2,749 6,382 207,422  174,223 12,523 2,796 13,954 203,496
Mortgage LTV ratios
  - Total portfolio 54% 59% 57% 50% 54%  56% 58% 57% 59% 57%
    - Stage 1 54% 59% 56% 48% 54%  55% 58% 57% 57% 55%
    - Stage 2 52% 59% 62% 57% 52%  66% 61% 64% 65% 66%
    - Stage 3 49% 64% 77% 56% 53%  53% 64% 75% 67% 60%
  - Buy-to-let 50% 57% 53% 52% 51%  52% 56% 53% 59% 53%
    - Stage 1 50% 58% 53% 51% 51%  51% 56% 53% 55% 52%
    - Stage 2 52% 55% 50% 56% 52%  60% 59% 53% 69% 61%
    - Stage 3 51% 53% 60% 66% 56%  56% 54% 61% 74% 62%
Gross new mortgage lending (4) 35,290 2,874 340 40 38,544 30,551 2,148 249 910 33,858
Of which:
Owner occupied  33,630 2,583 206 40 36,459  29,608 1,922 167 908 32,605
Weighted average LTV 66% 65% 67% 57% 66%  69% 66% 66% 74% 69%
Buy-to-let 1,660 292 134 &#x2014; 2,086  943 227 82 2 1,254
Weighted average LTV 62% 65% 63% 53% 63%  62% 62% 63% 54% 62%
Interest only - variable rate 25 832 37 &#x2014; 894  81 1,082 7 &#x2014; 1,170
Interest only - fixed rate 2,388 1,563 36 &#x2014; 3,987  1,501 695 35 &#x2014; 2,231
Mixed (1) 2,256 &#x2014; 7 &#x2014; 2,263  1,630 &#x2014; 2 &#x2014; 1,632
Mortgage forbearance
Forbearance flow 316 19 4 50 389  550 50 10 127 737
Forbearance stock 1,156 3 8 944 2,111  1,293 18 10 1,627 2,948
  Current 727 &#x2014; 5 616 1,348  648 13 9 1,070 1,740
  1-3 months in arrears 146 2 1 58 207  360 3 &#x2014; 105 468
  &gt; 3 months in arrears 283 1 2 270 556  285 2 1 452 740
(1) Includes accounts which have an interest only sub-account and a capital and interest sub-account to provide a more comprehensive view of interest only exposures.
(2) Retail Banking excludes a non-material amount of provisions held on relatively small legacy portfolios.
(3) Comprises unsecured lending except for Private Banking, which includes both secured and unsecured lending. It excludes loans that are commercial in nature.
(4) Retail Banking excludes additional lending to existing customers.
&#xF02D; The mortgage portfolio grew strongly during 2021, assisted
by the UK stamp duty reduction.
&#xF02D; LTV ratios improved as high demand increased house prices
during the year.
&#xF02D; The existing mortgage stock and new business were closely
monitored against agreed risk appetite parameters. These
included LTV ratios, buy-to-let concentrations, new-build
concentrations and credit quality. Lending criteria were
cautiously relaxed during the year as demand returned and
economic conditions improved.
&#xF02D; Demand for mortgages was mostly within owner occupier
mortgages, consequently there has been a reduction in the
proportion of interest only and buy-to-let mortgages.
&#xF02D; In the Retail Banking mortgage portfolio, 37% of the stock of
lending was in Greater London and the South East (2020 &#x2013;
37%). The weighted average loan-to-value for these regions
was 53% (2020 &#x2013; 54%) compared to all regions 54%.
&#xF02D; In the Retail Banking mortgage portfolio, 92% of customer
balances were on fixed rates (62% of these on five-year
deals). In addition, 97% of all new mortgage completions
were fixed rate deals (56% of these on five-year deals).
&#xF02D; Forbearance flows and arrears levels remained low relative
to historic norms, with customers able to utilise payment
holidays during the first half of the year.
&#xF02D; Unsecured lending overall reduced during the year as
demand was subdued with lower levels of consumer
spending.
&#xF02D; As noted previously, the improved economic outlook
including a more positive forecast on unemployment and
house prices, resulted in reduced ECL.
 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g214.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 212
Credit risk &#x2013; Banking activities continued
Personal portfolio (audited)
Mortgage LTV distribution by stage
The table below shows gross mortgage lending and related ECL by LTV band. Mortgage lending not within the scope of IFRS 9
ECL reflected portfolios carried at fair value.
  Mortgages   ECL provisions   ECL provisions coverage (2)
     Not within Of
  IFRS 9 which;
Retail Banking      ECL gross new
Stage 1 Stage 2 Stage 3 scope Total lending  Stage 1 Stage 2 Stage 3 Total (1)  Stage 1 Stage 2 Stage 3 Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m  &#xA3;m &#xA3;m &#xA3;m &#xA3;m  % % % %
&#x2264;50% 61,233 4,548 644 63 66,488 5,845 7 60 140 207 &#x2014; 1.3 21.7 0.3
&gt;50% and &#x2264;70% 68,271 4,674 483 9 73,437 12,397 10 64 84 158 &#x2014; 1.4 17.4 0.2
&gt;70% and &#x2264;80% 24,004 1,255 93 1 25,353 10,964 3 18 15 36 &#x2014; 1.4 16.1 0.1
&gt;80% and &#x2264;90% 5,983 250 22 1 6,256 4,985 1 8 5 14 &#x2014; 3.2 22.7 0.2
&gt;90% and &#x2264;100% 1,125 58 10 &#x2014; 1,193 1,098 &#x2014; 5 3 8 &#x2014; 8.6 30.0 0.7
&gt;100% 14 18 6 &#x2014; 38 &#x2014; &#x2014; 1 2 3 &#x2014; 5.6 33.3 7.9
Total with LTVs 160,630 10,803 1,258 74 172,765 35,289 21 156 249 426 &#x2014; 1.4 19.8 0.2
Other 14 1 1 &#x2014; 16 1 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
Total 160,644 10,804 1,259 74 172,781 35,290 21 156 249 426 &#x2014; 1.4 19.8 0.2

2020
&#x2264;50% 50,170 5,009 554 124 55,857 4,207 4 43 107 154 0.0 0.8 19.4 0.3
&gt;50% and &#x2264;70% 55,263 7,416 488 35 63,202 9,083 7 66 81 154 0.0 0.9 16.5 0.2
&gt;70% and &#x2264;80% 19,994 9,555 141 8 29,698 11,060 7 56 26 89 0.0 0.6 18.5 0.3
&gt;80% and &#x2264;90% 8,029 5,552 52 6 13,639 5,175 3 52 11 66 0.0 0.9 20.3 0.5
&gt;90% and &#x2264;100% 368 137 13 2 520 865 &#x2014; 5 3 8 0.1 3.4 26.8 1.6
&gt;100% 48 99 20 2 169 &#x2014; &#x2014; 6 5 11 0.0 6.1 25.0 6.5
Total with LTVs 133,872 27,768 1,268 177 163,085 30,390 21 228 233 482 0.0 0.8 18.5 0.3
Other 17 4 1 &#x2014; 22 161 &#x2014; &#x2014; 1 1 0.1 3.6 71.9 3.3
Total 133,889 27,772 1,269 177 163,107 30,551 21 228 234 483 0.0 0.8 18.5 0.3

Ulster Bank RoI

2021
&#x2264;50% 2,660 221 274 &#x2014; 3,155 13 4 6 138 148 0.2 2.7 50.4 4.7
&gt;50% and &#x2264;70% 1,497 172 128 &#x2014; 1,797 16 2 5 59 66 0.1 2.9 46.1 3.7
&gt;70% and &#x2264;80% 484 67 60 &#x2014; 611 9 1 2 28 31 0.2 3.0 46.7 5.1
&gt;80% and &#x2264;90% 231 51 55 &#x2014; 337 1 1 2 26 29 0.4 3.9 47.3 8.6
&gt;90% and &#x2264;100% 82 26 37 &#x2014; 145 1 &#x2014; 1 19 20 &#x2014; 3.8 51.4 13.8
&gt;100% 33 16 41 &#x2014; 90 &#x2014; &#x2014; 1 23 24 &#x2014; 6.3 56.1 26.7
Total with LTVs 4,987 553 595 &#x2014; 6,135 40 8 17 293 318 0.2 3.1 49.2 5.2
Other 25 &#x2014; 4 &#x2014; 29 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
Total 5,012 553 599 &#x2014; 6,164 40 8 17 293 318 0.2 3.1 48.9 5.2

2020
&#x2264;50% 4,156 504 354 &#x2014; 5,014 78 10 24 105 139 0.2 4.8 29.7 2.8
&gt;50% and &#x2264;70% 3,453 453 230 &#x2014; 4,136 194 8 23 66 97 0.2 5.1 28.7 2.3
&gt;70% and &#x2264;80% 1,569 232 114 &#x2014; 1,915 346 4 12 40 56 0.3 5.2 35.1 2.9
&gt;80% and &#x2264;90% 1,214 190 105 &#x2014; 1,509 286 3 11 40 54 0.2 5.8 38.1 3.6
&gt;90% and &#x2264;100% 372 145 88 &#x2014; 605 1 1 9 40 50 0.3 6.2 45.5 8.3
&gt;100% 183 151 165 &#x2014; 499 5 1 12 90 103 0.5 7.9 54.5 20.6
Total with LTVs 10,947 1,675 1,056 &#x2014; 13,678 910 27 91 381 499 0.2 5.4 36.1 3.6

(1)  Excludes a non-material amount of provisions held on relatively small legacy portfolios.
(2)  ECL provisions coverage is ECL provisions divided by mortgages.

&#xF02D; ECL coverage rates increased through the LTV bands
with both Retail Banking and Ulster Bank RoI having only
limited exposures in the highest LTV bands. The
relatively high coverage level in the lowest LTV band for
Retail Banking included the effect of time-discounting on
expected recoveries and reflects a modelling approach
that captures losses expected from both repossession
and also other recovery action.
&#xF02D; The improved economic outlook resulted in decreased
account level IFRS 9 PDs. Consequently, compared to the
2020 year end, a lower proportion of accounts exhibited
a SICR with an associated migration of exposures from
Stage 2 into Stage 1.

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g215.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 213
Credit risk &#x2013; Banking activities continued
Personal portfolio (audited)
Retail Banking mortgage LTV distribution by region
The table below shows gross mortgage lending by LTV band for Retail Banking, by geographical region.
        Weighted
 &#x2264;50% 50% &#x2264;80% 80% &#x2264;100% &gt;100% Total average LTV Other Total Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m % &#xA3;m &#xA3;m %
South East 13,160 18,298 886 1 32,345 53 3 32,348 19
Greater London 13,308 16,716 1,477 1 31,502 53 3 31,505 18
Scotland 4,493 6,529 559 2 11,583 54 1 11,584 7
North West 6,598 9,212 654 3 16,467 53 2 16,469 10
South West 6,140 8,619 499 1 15,259 53 2 15,261 9
West Midlands 4,323 7,449 553 1 12,326 55 1 12,327 6
East of England 7,467 11,679 820 1 19,967 54 2 19,969 12
Rest of the UK 10,937 20,278 2,001 26 33,242 56 2 33,244 19
Total 66,426 98,780 7,449 36 172,691 54 16 172,707 100
2020
South East 10,980 17,217 2,365 4 30,566 56 5 30,571 19
Greater London 13,044 14,505 1,638 2 29,189 52 5 29,194 18
Scotland 3,594 6,636 1,148 1 11,379 58 1 11,380 7
North West 4,849 9,745 1,402 3 15,999 58 3 16,002 10
South West 5,086 8,551 882 3 14,522 55 2 14,524 9
West Midlands 3,366 7,080 1,265 4 11,715 59 1 11,716 7
East of England 6,487 10,294 1,588 2 18,371 56 2 18,373 11
Rest of the UK 8,451 18,869 3,873 151 31,344 60 3 31,347 19
Total 55,857 92,897 14,161 170 163,085 56 22 163,107 100

Commercial real estate (CRE)*
The CRE portfolio comprises exposures to entities involved in the development of, or investment in, commercial and residential
properties (including house builders but excluding housing associations, construction and the building materials sub-sector). The
sector is reviewed regularly by senior executive committees. Reviews include portfolio credit quality, capital consumption and
control frameworks. The CRE tables in this section include information on exposures which are out of scope of ECL calculations or
part of disposal groups.
 2021   2020
By geography and sub-sector (1)
UK RoI Other Total UK RoI Other Total
&#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Investment
Residential (2) 4,422 341 19 4,782  4,507 360 14 4,881
Office (3) 3,037 190 10 3,237  3,386 226 28 3,640
Retail (4) 4,207 81 &#x2014; 4,288  5,423 68 118 5,609
Industrial (5) 2,760 13 106 2,879  2,773 18 202 2,993
Mixed/other (6) 1,185 113 50 1,348  2,688 154 74 2,916
  15,611 738 185 16,534  18,777 826 436 20,039

Development
Residential (2) 1,775 76 2 1,853 2,685 200 3 2,888
Office (3) 79 33 &#x2014; 112 123 30 &#x2014; 153
Retail (4) 48 &#x2014; &#x2014; 48 126 &#x2014; &#x2014; 126
Industrial (5) 67 1 &#x2014; 68 125 2 &#x2014; 127
Mixed/other (6) 20 2 &#x2014; 22 24 2 &#x2014; 26
  1,989 112 2 2,103 3,083 234 3 3,320
Total  17,600 850 187 18,637 21,860 1,060 439 23,359

*Not within audit scope.

(1)  Geographical splits are based on country of collateral risk.
(2)  Properties including houses, flats and student accommodation.
(3)  Properties including offices in central business districts, regional headquarters and business parks.
(4)  Properties including high street retail, shopping centres, restaurants, bars and gyms.
(5)  Properties including distribution centres, manufacturing and warehouses.
(6)  Properties that do not fall within the other categories above. Mixed generally relates to a mixture of retail/office with residential.   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g216.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 214
Credit risk &#x2013; Banking activities continued
Commercial real estate (CRE)
CRE LTV distribution by stage (audited)
The table below shows CRE current exposure and related ECL by LTV band.
 Current exposure (gross of provisions) (1,2)  ECL provisions   ECL provisions coverage (4)
    Not within
    IFRS 9 ECL
Stage 1 Stage 2 Stage 3 scope (3) Total  Stage 1 Stage 2 Stage 3 Total (1) Stage 1 Stage 2 Stage 3 Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m  &#xA3;m &#xA3;m &#xA3;m &#xA3;m % % % %
&#x2264;50% 6,767 388 34 268 7,457  5 7 9 21 0.1 1.8 26.5 0.3
&gt;50% and &#x2264;70% 4,367 470 46 469 5,352  3 13 20 36 0.1 2.8 43.5 0.7
&gt;70% and &#x2264;100% 377 192 127 9 705  &#x2014; 9 32 41 &#x2014; 4.7 25.2 5.8
&gt;100% 215 7 86 4 312  &#x2014; 2 28 30 &#x2014; 28.6 32.6 9.6
Total with LTVs 11,726 1,057 293 750 13,826  8 31 89 128 0.1 2.9 30.4 0.9
Total portfolio
  average LTV% 48% 58% 88% 52% 50%
Other (5) 2,271 293 61 83 2,708  4 13 28 45 0.2 4.4 45.9 1.7
Development (6) 1,736 228 62 77 2,103  3 6 34 43 0.2 2.6 54.8 2.0
Total 15,733 1,578 416 910 18,637  15 50 151 216 0.1 3.2 36.3 1.2

2020
&#x2264;50% 4,918 4,538 138 &#x2014; 9,594  46 145 24 215 0.9 3.2 17.4 2.2
&gt;50% and &#x2264;70% 2,815 3,266 226 &#x2014; 6,307  32 112 63 207 1.1 3.4 27.9 3.3
&gt;70% and &#x2264;100% 169 283 124 &#x2014; 576  3 23 51 77 1.8 8.1 41.1 13.4
&gt;100% 50 64 295 &#x2014; 409  &#x2014; 6 113 119 &#x2014; 9.4 38.3 29.1
Total with LTVs 7,952 8,151 783 &#x2014; 16,886  81 286 251 618 1.0 3.5 32.1 3.7
Total portfolio
  average LTV% 45% 47% 93% &#x2014; 48%
Other (5) 1,776 511 159 707 3,153  6 40 93 139 0.3 7.8 58.5 5.7
Development (6) 1,362 1,767 161 30 3,320  15 58 70 143 1.1 3.3 43.5 4.3
Total 11,090 10,429 1,103 737 23,359  102 384 414 900 0.9 3.7 37.5 4.0

(1) Comprises gross lending, interest rate hedging derivatives and other assets carried at fair value that are managed as part of the overall CRE portfolio.
(2) The exposure in Stage 3 mainly relates to legacy assets.
(3) Includes exposures relating to non -modelled portfolios and other exposures carried at fair value, including derivatives.
(4) ECL provisions coverage is ECL provisions divided by current exposure.
(5) Relates mainly to business banking, rate risk management products and unsecured corporat e lending.
(6) Relates to the development of commercial and residential properties. LTV is not a meaningful measure for this type of lending activity.

&#xF02D; Overall &#x2013; The majority of the CRE portfolio was located and
managed in the UK. Business appetite and strategy was
aligned across NatWest Group.
&#xF02D; 2021 trends &#x2013; The continued reduction in the real estate
exposure was a consequence of active portfolio
management to rebalance the size and composition of the
CRE portfolio. In addition, customer appetite to borrow was
muted, particularly amongst larger customers. At a sub-
sector level, the residential market had a positive out-turn
over the year; the retail sector exhibited mixed performance
in line with changing consumer habits; the industrial market
performed very strongly; with uncertainty continuing in the
office sub-sector as occupiers moved to a more flexible way
of working.
&#xF02D; Credit quality &#x2013; NatWest Group entered the COVID-19
period with a conservatively positioned CRE portfolio, which
helped to mitigate the effect of COVID-19. The majority of
the defaults during 2021 were in the retail sector,
particularly in the fashion-led shopping centre sub-sector.
NatWest Group completed a strategic sale of a portfolio of
these loans during 2021. Customers experienced reduced
rent collections during COVID-19 albeit rental payments
have now normalised. Outside of retail, there was limited
distress as noted, uncertainty still remains, particularly in
relation to the office sub-sector and the portfolio continues
to be actively reviewed and managed.
&#xF02D; Risk appetite &#x2013; Lending appetite was gradually and
selectively increased by sub-sector, particularly towards the
end of 2021, albeit these remain below pre-COVID-19 levels.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g217.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 215
Credit risk &#x2013; Banking activities continued
Flow statements (audited)
The flow statements that follow show the main ECL and related
income statement movements. They also show the changes in
ECL as well as the changes in related financial assets used in
determining ECL. Due to differences in scope, exposures may
differ from those reported in other tables, principally in relation
to exposures in Stage 1 and Stage 2. These differences do not
have a material ECL effect. Other points to note:
&#xF02D; Financial assets include treasury liquidity portfolios,
comprising balances at central banks and debt securities,
as well as loans. Both modelled and non-modelled portfolios
are included.
&#xF02D; Stage transfers (for example, exposures moving from Stage
1 into Stage 2) are a key feature of the ECL movements,
with the net re-measurement cost of transitioning to a
worse stage being a primary driver of income statement
charges. Similarly, there is an ECL benefit for accounts
improving stage.
&#xF02D; Changes in risk parameters shows the reassessment of the
ECL within a given stage, including any ECL overlays and
residual income statement gains or losses at the point of
write-off or accounting write-down.



&#xF02D; Other (P&amp;L only items) includes any subsequent changes in
the value of written-down assets (for example, fortuitous
recoveries) along with other direct write-off items such as
direct recovery costs. Other (P&amp;L only items) affects the
income statement but does not affect balance sheet ECL
movements.
&#xF02D; Amounts written-off represent the gross asset written-down
against accounts with ECL, including the net asset write-
down for any debt sale activity.
&#xF02D; There were flows from Stage 1 into Stage 3 including
transfers due to unexpected default events. The small
number of write-offs in Stage 1 and Stage 2 reflect the
effect of portfolio debt sales and also staging at the start of
the analysis period.
&#xF02D; The effect of any change in post model adjustments during
the year is typically reported under changes in risk
parameters, as are any effects arising from changes to the
underlying models. Refer to the section on Governance and
post model adjustments for further details.
&#xF02D; All movements are captured monthly and aggregated.
Interest suspended post default is included within Stage 3
ECL with the movement in the value of suspended interest
during the year reported under currency translation and
other adjustments.

 Stage 1   Stage 2   Stage 3   Total
 Financial  Financial   Financial  Financial
 assets ECL assets ECL assets ECL assets ECL
NatWest Group total &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 446,666 519 81,667 3,081 6,524 2,586 534,857 6,186
Currency translation and other adjustments (4,111) (1) (246) (6) 48 (89) (4,309) (96)
Transfers from Stage 1 to Stage 2 (35,307) (160) 35,307 160 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 62,702 1,322 (62,702) (1,322) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 (390) (2) (2,628) (285) 3,018 287 &#x2014; &#x2014;
Transfers from Stage 3 241 21 1,352 188 (1,593) (209) &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer (1,114)  869 310 65
  Changes in risk parameters (343)  (566) 244  (665)
  Other changes in net exposure 84,331 84 (15,657) (496) (1,795) (148) 66,879 (560)
  Other (P&amp;L only items) (3)  5 (120) (118)
Income statement (releases)/charges (1,376)  (188) 286 (1,278)
Transfers to disposal groups (7,954) (24) (1,511) (120) (113) (22) (9,578) (166)
Amounts written-off &#x2014; &#x2014; (25) (25) (851) (851) (876) (876)
Unwinding of discount &#x2014;  &#x2014; (82) (82)
At 31 December 2021 546,178 302 35,557 1,478 5,238 2,026 586,973 3,806
Net carrying amount 545,876 34,079 3,212 583,167
At 1 January 2020 428,604 322 28,630 752 7,135 2,718 464,369 3,792
2020 movements 18,062 197 53,037 2,329 (611) (132) 70,488 2,394
At 31 December 2020 446,666 519 81,667 3,081 6,524 2,586 534,857 6,186
Net carrying amount 446,147 78,586  3,938 528,671

   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g218.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 216
Credit risk &#x2013; Banking activities continued
Flow statements (audited)
 Stage 1   Stage 2   Stage 3   Total
 Financial   Financial  Financial  Financial   assets ECL assets ECL assets ECL assets ECL
Retail Banking - mortgages &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 132,390 23 28,079 227 1,291 236 161,760 486
Currency translation and other adjustments &#x2014; &#x2014; &#x2014; &#x2014; 10 10 10 10
Transfers from Stage 1 to Stage 2 (10,957) (3) 10,957 3 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 25,468 162 (25,468) (162) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 (17) &#x2014; (574) (19) 591 19 &#x2014; &#x2014;
Transfers from Stage 3 11 &#x2014; 343 25 (354) (25) &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer  (156) 117 9  (30)
  Changes in risk parameters  (1) (9) 58  48
  Other changes in net exposure 13,071 (1) (2,589) (27) (263) (19) 10,219 (47)
  Other (P&amp;L only items)  (1) 1 (26)  (26)
Income statement (releases)/charges  (159) 82 22  (55)
Amounts written-off &#x2014; &#x2014; &#x2014; &#x2014; (8) (8) (8) (8)
Unwinding of discount  &#x2014; &#x2014; (30)  (30)
At 31 December 2021 159,966 24 10,748 155 1,267 250 171,981 429
Net carrying amount 159,942  10,593 1,017 171,552
At 1 January 2020 135,625 12 10,283 86 1,289 215 147,197 313
2020 movements (3,235) 11 17,796 141 2 21 14,563 173
At 31 December 2020 132,390 23 28,079 227 1,291 236 161,760 486
Net carrying amount 132,367  27,852 1,055 161,274

&#xF02D; Despite the strong portfolio growth during 2021, ECL levels
for mortgages reduced during the same period. The
decrease in ECL was primarily a result of reduced PDs and
LGDs reflecting the improved economic outlook and stable
portfolio performance. This resulted in lower levels of SICR
identification and ECL requirement.
&#xF02D; More specifically, the reduced PDs alongside muted
portfolio deterioration resulted in a net migration of assets
from Stage 2 into Stage 1, with an associated decrease
from lifetime ECL to a 12 month ECL.

&#xF02D; With various customer support schemes available and the
revised economic outlook, Stage 3 ECL remained stable as
new inflows remaining subdued. The relatively small ECL
cost for net re-measurement on stage transfer included the
effect of risk targeted ECL adjustments, when previously in
Stage 2. Refer to the Governance and post model
adjustments section for further details.
&#xF02D; Write-off occurs once the repossessed property has been
sold and there is a residual shortfall balance remaining
outstanding. This would typically be within five years from
default but can be longer. Given the moratorium on
repossession activity until later in 2021, write-offs remained
at a subdued level.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g219.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 217
Credit risk &#x2013; Banking activities continued
Flow statements (audited)


 Stage 1   Stage 2   Stage 3   Total
 Financial   Financial   Financial  Financial
 assets ECL assets ECL  assets ECL assets ECL
Retail Banking - credit cards &#xA3;m &#xA3;m &#xA3;m &#xA3;m  &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 2,250 52  1,384 220  114 75  3,748 347
Currency translation and other adjustments &#x2014; &#x2014; &#x2014; &#x2014; (1) (1) (1) (1)
Transfers from Stage 1 to Stage 2 (951) (48) 951 48 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 1,119 143 (1,119) (143) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 (17) &#x2014; (84) (35) 101 35 &#x2014; &#x2014;
Transfers from Stage 3 &#x2014; &#x2014; 9 5 (9) (5) &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer  (88) 184 28  124
  Changes in risk parameters  (19) (65) 8  (76)
  Other changes in net exposure 339 18 (194) (73) (41) (2) 104 (57)
  Other (P&amp;L only items)  &#x2014; &#x2014; (4)  (4)
Income statement (releases)/charges  (89) 46 30  (13)
Amounts written-off &#x2014; &#x2014; &#x2014; &#x2014; (73) (73) (73) (73)
Unwinding of discount  &#x2014; &#x2014; (5)  (5)
At 31 December 2021 2,740 58 947 141 91 60 3,778 259
Net carrying amount 2,682  806 31 3,519
At 1 January 2020 2,804 38 1,246 131 127 88 4,177 257
2020 movements (554) 14 138 89 (13) (13) (429) 90
At 31 December 2020 2,250 52  1,384 220  114 75  3,748 347
Net carrying amount 2,198  1,164 39 3,401

&#xF02D; The overall decrease in ECL was mainly due to the
reduction in Stage 2 ECL reflecting the improved economic
outlook and stable portfolio performance, causing PDs to
decrease. This resulted in reduced levels of SICR
identification and ECL requirement.
&#xF02D; More specifically, the reduced PDs alongside muted
portfolio deterioration resulted in a net migration of assets
from Stage 2 into Stage 1, with an associated decrease
from lifetime ECL to a 12 month ECL.
&#xF02D; Cards balances remained broadly flat compared with the
2020 year end. In line with industry trends in the UK, credit
card balances decreased during the first half of the year
but then increased as lockdown restrictions eased and
borrowing demand increased.
&#xF02D; With various customer support schemes available and the
improved economic outlook, Stage 3 inflows remained
subdued and therefore Stage 3 ECL movement was
minimal.
&#xF02D; Charge-off (analogous to partial write-off) typically occurs
after 12 missed payments.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g220.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 218
Credit risk &#x2013; Banking activities continued
Flow statements (audited)


 Stage 1   Stage 2   Stage 3   Total
 Financial  Financial   Financial   Financial
 assets ECL assets ECL assets ECL assets ECL
Retail Banking - other personal unsecured &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 3,385 59 3,487 450 596 495 7,468 1,004
Currency translation and other adjustments &#x2014; &#x2014; &#x2014; &#x2014; 2 2 2 2
Transfers from Stage 1 to Stage 2 (1,715) (39) 1,715 39 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 2,034 164 (2,034) (164) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 (10) &#x2014; (339) (120) 349 120 &#x2014; &#x2014;
Transfers from Stage 3 5 7 96 60 (101) (67) &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer (133)  161  111  139
  Changes in risk parameters (18)  (47)  60  (5)
  Other changes in net exposure 849 12 (958) (85) (79) (26) (188) (99)
  Other (P&amp;L only items) &#x2014;  &#x2014;  (3)  (3)
Income statement (releases)/charges (139)  29  142  32
Amounts written -off &#x2014; &#x2014; &#x2014; &#x2014; (138) (138) (138) (138)
Unwinding of discount &#x2014;  &#x2014;  (17)  (17)
At 31 December 2021 4,548 52 1,967 294 629 540 7,144 886
Net carrying amount 4,496 1,673  89  6,258
At 1 January 2020 5,417 63 2,250 252 608 518 8,275 833
2020 movements (2,032) (4) 1,237 198 (12) (23) (807) 171
At 31 December 2020 3,385 59 3,487 450 596 495 7,468 1,004
Net carrying amount 3,326   3,037    101    6,464

&#xF02D; The overall decrease in ECL was mainly due to the reduction
in Stage 2 ECL reflecting the improved economic outlook
and stable portfolio performance, causing PDs to decrease.
This resulted in reduced levels of SICR identification and ECL
requirement.
&#xF02D; More specifically, the reduced PDs alongside muted portfolio
deterioration resulted in a net migration of assets from
Stage 2 into Stage 1, with an associated decrease from
lifetime ECL to a 12 month ECL.



&#xF02D; In line with industry trends in the UK, unsecured balances
reduced, amplifying the ECL reductions within the portfolio.
This has stabilised as UK lockdown restrictions have eased
and borrowing demand increased.
&#xF02D; With various customer support schemes available and the
improved economic outlook, Stage 3 inflows remained
subdued and therefore Stage 3 ECL movement was minimal.
&#xF02D; Write-off occurs once recovery activity with the customer
has been concluded or there are no further recoveries
expected, but no later than six years after default.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g221.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 219
Credit risk &#x2013; Banking activities continued
Flow statements (audited)




 Stage 1  Stage 2  Stage 3  Total
 Financial Financial  Financial Financial
Commercial Banking - commercial assets ECL assets ECL assets ECL assets ECL
  real estate &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 17,269 90 10,380 364 1,118 428 28,767 882
Currency translation and other adjustments (10) 1 (2) (1) (1) (26) (13) (26)
Inter-group transfers &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 1 to Stage 2 (2,687) (17) 2,687 17 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 7,872 219 (7,872) (219) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 (55) &#x2014; (327) (16) 382 16 &#x2014; &#x2014;
Transfers from Stage 3 71 2 82 7 (153) (9) &#x2014; &#x2014;
Net re-measurement of ECL on stage transfer (176)  41 21 (114)
Changes in risk parameters (119)  (68) 8 (179)
Other changes in net exposure (107) 16 (2,746) (74) (666) (54) (3,519) (112)
Other (P&amp;L only items) &#x2014;  &#x2014; &#x2014; &#x2014;
Income statement (releases)/charges (279)  (101) (25) (405)
Amounts written -off &#x2014; &#x2014; &#x2014; &#x2014; (235) (235) (235) (235)
Unwinding of discount &#x2014;  &#x2014; (4) (4)
At 31 December 2021 22,353 16 2,202 51 445 145 25,000 212
Net carrying amount 22,337 2,151  300 24,788
At 1 January 2020 25,556 31 2,218 28 895 306 28,669 365
2020 movements (8,287) 59 8,162 336 223 122 98 517
At 31 December 2020 17,269 90 10,380 364 1,118 428 28,767 882
Net carrying amount 17,179  10,016   690  27,885

&#xF02D; Stage 1 and Stage 2 ECL reduced significantly due to the
improvement in the economic outlook, causing both PDs
and LGDs to decrease.
&#xF02D; The updated economics also resulted in a migration of
assets from Stage 2 into Stage 1 as improved underlying
PDs meant assets no longer met Stage 2 criteria.
&#xF02D; Flows into Stage 3 remained low as government support
schemes combined with the economic recovery, suppressed
a higher level of flows into Stage 3.


&#xF02D; The reduction in Stage 3 balances was largely a result of a
portfolio sale of non-performing exposure.
&#xF02D; Performing exposure reduced due to repayments of existing
borrowing with limited appetite for new lending to replace
it.

 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g222.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 220
Credit risk &#x2013; Banking activities continued
Flow statements (audited)
 Stage 1   Stage 2   Stage 3   Total
 Financial  Financial   Financial   Financial  assets ECL assets ECL assets ECL assets ECL
Commercial Banking - business banking &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 12,122 41 2,184 145 250 173 14,556 359
Currency translation and other adjustments &#x2014; &#x2014; &#x2014; &#x2014; (7) (5) (7) (5)
Transfers from Stage 1 to Stage 2 (3,641) (13) 3,641 13 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 2,622 144 (2,622) (144) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 (75) &#x2014; (470) (27) 545 27 &#x2014; &#x2014;
Transfers from Stage 3 12 3 38 9 (50) (12) &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer (135)  171  38  74
  Changes in risk parameters (11)  (23)  9  (25)
  Other changes in net exposure 252 (2) (498) (28) (33) (5) (279) (35)
  Other (P&amp;L only items) &#x2014;  &#x2014;  (36)  (36)
Income statement (releases)/charges (148)  120  6  (22)
Amounts written-off &#x2014; &#x2014; &#x2014; &#x2014; (37) (37) (37) (37)
Unwinding of discount &#x2014;  &#x2014;  (10)  (10)
At 31 December 2021 11,292 27 2,273 116 668 178 14,233 321
Net carrying amount 11,265 2,157  490  13,912
At 1 January 2020 6,338 28 767 45 257 200 7,362 273
2020 movements 5,784 13 1,417 100 (7) (27) 7,194 86
At 31 December 2020 12,122 41 2,184 145 250 173 14,556 359
Net carrying amount 12,081  2,039   77   14,197

&#xF02D; At a total level, exposure remained relatively stable with
reduction mainly due to the repayment of government
scheme debt.
&#xF02D; The updated economics resulted in an improvement in
underlying credit metrics resulting in migration of exposure
from Stage 2 into Stage 1 with a consequential reduction
from lifetime ECL to a 12 month ECL calculation. However,
the transfer of exposure from Stage 1 into Stage 2
outweighed the positive migration and was largely related
to customers with government scheme borrowing.
&#xF02D; Flows of defaulted exposure into Stage 3 were mainly a
result of government scheme lending rather than
conventional debt. This was reflected in the lower ECL
associated with the Stage 3 transfers.
&#xF02D; The portfolio continued to benefit from cash recoveries post
write-off, which are reported as other (P&amp;L only items).
Write-off occurs once recovery activity with the customer
has been concluded or there are no further recoveries
expected, but no later than five years after default.   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g223.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 221
Credit risk &#x2013; Banking activities continued
Flow statements (audited)
 Stage 1   Stage 2   Stage 3   Total
 Financial   Financial  Financial   Financial
 assets ECL assets ECL assets ECL  assets ECL
Commercial Banking - other &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m  &#xA3;m &#xA3;m
At 1 January 2021 39,279 139 25,981 1,204 1,249 468  66,509 1,811
Currency translation and other adjustments (262) &#x2014; (70) &#x2014; 77 21  (255) 21
Inter-group transfers 105 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;  105 &#x2014;
Transfers from Stage 1 to Stage 2 (7,206) (29) 7,206 29 &#x2014; &#x2014;  &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 13,581 350 (13,581) (350) &#x2014; &#x2014;  &#x2014; &#x2014;
Transfers to Stage 3 (80) &#x2014; (558) (42) 638 42  &#x2014; &#x2014;
Transfers from Stage 3 30 6 528 41 (558) (47)  &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer  (306) 160 87  (59)
  Changes in risk parameters  (119) (286) (7)  (412)
  Other changes in net exposure 1,271 32 (5,003) (165) (386) (35)  (4,118) (168)
  Other (P&amp;L only items)  &#x2014; 1 (8)  (7)
Income statement (releases)/charges  (393) (290) 37  (646)
Amounts written-off &#x2014; &#x2014; &#x2014; &#x2014; (195) (195)  (195) (195)
Unwinding of discount  &#x2014; &#x2014; (6)  (6)
At 31 December 2021 46,718 73 14,503 591 825 328  62,046 992
Net carrying amount 46,645  13,912 497  61,054
At 1 January 2020 53,722 94 8,788 143 1,386 516  63,896 753
2020 movements (14,443) 45 17,193 1,061 (137) (48) 2,613 1,058
At 31 December 2020 39,279 139 25,981 1,204 1,249 468  66,509 1,811
Net carrying amount 39,140  24,777 781  64,698

&#xF02D; The decrease in ECL across Stage 1 and Stage 2 was
primarily due to improvement in the economic outlook,
causing both PDs and LGDs to reduce.
&#xF02D; The updated economics also resulted in the migration of
assets from Stage 2 into Stage 1 with a consequential
decrease from a lifetime ECL to a 12 month ECL calculation.
&#xF02D; For flows into Stage 3, defaults remained suppressed,
reflecting both the effect of increased liquidity from
government customer support schemes and the improving
economic environment.
&#xF02D; Other changes in net exposure decreased following the
commencement of repayments of government scheme debt
and strategic reduction in high risk sectors.

   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g224.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 222
Credit risk &#x2013; Banking activities continued
Flow statements (audited)

 Stage 1   Stage 2   Stage 3   Total  Financial  Financial  Financial  Financial   assets ECL assets ECL assets ECL assets ECL
NatWest Markets (1) &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 33,327 12 1,671 49 168 132 35,166 193
Currency translation and other adjustments (799) &#x2014; (38) (1) (4) (9) (841) (10)
Inter-group transfers (105) &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; (105) &#x2014;
Transfers from Stage 1 to Stage 2 (881) (1) 881 1 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 1,762 9 (1,762) (9) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 &#x2014; &#x2014; (1) &#x2014; 1 &#x2014; &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer (7) 4 &#x2014; (3)
  Changes in risk parameters (7) (9) (2) (18)
  Other changes in net exposure 79 &#x2014; (530) (8) (27) (3) (478) (11)
  Other (P&amp;L only items) &#x2014; 1 (4) (3)
Income statement (releases)/charges (14) (12) (9) (35)
Amounts written-off &#x2014; &#x2014; (24) (24) (43) (43) (67) (67)
At 31 December 2021 33,383 6 197 3 95 75 33,675 84
Net carrying amount 33,377 194 20 33,591
At 1 January 2020 32,892 10 188 5 183 131 33,263 146
2020 movements 435 2 1,483 44 (15) 1 1,903 47
At 31 December 2020 33,327 12 1,671 49 168 132 35,166 193
Net carrying amount 33,315 1,622 36 34,973

(1) Reflects the NatWest Markets segment and includes NWM N.V..

&#xF02D; Consistent with other Wholesale portfolios, Stage 1 and
Stage 2 ECL reduced due to the improved economic
outlook which led to a reduction in underlying PDs and
LGDs.
&#xF02D; The Stage 2 population reduced materially with the
improved economic outlook improving credit metrics and
resulting in migration of assets into Stage 1.
  Stage 1   Stage 2   Stage 3   Total
 Financial  Financial  Financial  Financial
 assets ECL assets ECL assets ECL assets ECL
Ulster Bank RoI - mortgages &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 10,919 27 1,682 91 1,061 381 13,662 499
Currency translation and other adjustments (342) (1) (72) (4) (57) (55) (471) (60)
Transfers from Stage 1 to Stage 2 (488) (2) 488 2 &#x2014; &#x2014; &#x2014; &#x2014;
Transfers from Stage 2 to Stage 1 1,164 54 (1,164) (54) &#x2014; &#x2014; &#x2014; &#x2014;
Transfers to Stage 3 (8) &#x2014; (65) (7) 73 7 &#x2014; &#x2014;
Transfers from Stage 3 19 2 172 33 (191) (35) &#x2014; &#x2014;
  Net re-measurement of ECL on stage transfer (51) (3) 10  (44)
  Changes in risk parameters (8) (18) 82  56
  Other changes in net exposure (618) (1) (109) (2) (115) (3) (842) (6)
  Other (P&amp;L only items) (1) &#x2014; (12)  (13)
Income statement (releases)/charges (61) (23) 77  (7)
Transfers to disposal groups (1) (5,610) (13) (373) (20) (95) (14) (6,078) (47)
Amounts written-off &#x2014; &#x2014; (1) (1) (72) (72) (73) (73)
Unwinding of discount &#x2014; &#x2014; (7)  (7)
At 31 December 2021 5,036 7 558 17 604 294 6,198 318
Net carrying amount 5,029 541 310 5,880
At 1 January 2020 10,603 11 1,084 30 1,875 581 13,562 622
2020 movements 316 16 598 61 (814) (200) 100 (123)
At 31 December 2020 10,919 27 1,682 91 1,061 381 13,662 499
Net carrying amount 10,892 1,591 680 13,163

(1) Reflects balance of disposal groups at 1 January 2021.

&#xF02D; The reduction in balances across all stages was primarily a
result of the agreed sale of mortgages to Permanent TSB
p.l.c..
&#xF02D; A further reduction in Stage 2 balances was mainly due to
the cessation of the collective migration of high-risk
mortgage accounts which were in receipt of COVID-19
payment support during 2020 due to post-payment support
performance. Economic uncertainty post model adjustments
also decreased significantly during the year.


&#xF02D; Like previous years, portfolio improvements and debt sale
activity resulted in deceases in the Stage 3 portfolio.
&#xF02D; Write-offs were mainly a result of the execution of the final
tranche of the 2019 debt sale.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g225.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 223
Credit risk &#x2013; Banking activities continued
Stage 2 decomposition &#x2013; arrears status and contributing factors
The tables below show Stage 2 decomposition for the Personal and Wholesale portfolios.
 UK mortgages   RoI mortgages   Credit cards   Other    Total
  Loans ECL Loans ECL Loans ECL Loans ECL Loans ECL
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Personal
Currently &gt;30 DPD 397 9 38 3 11 6 50 13 496 31
Currently &lt;=30 DPD 10,593 148 515 14 922 135 1,897 286 13,927 583
 - PD deterioration 2,400 56 58 4 549 96 970 174 3,977 330
 - PD persistence 3,088 38 21 1 270 23 770 91 4,149 153
 - Other driver (adverse credit, forbearance etc) 5,105 54 436 9 103 16 157 21 5,801 100
Total Stage 2 10,990 157 553 17 933 141 1,947 299 14,423 614

2020
Personal
Currently &gt;30 DPD 426 19 109 11 10 6 75 25 620 61
Currently &lt;=30 DPD 27,477 209 1,559 80 1,365 219 3,331 427 33,732 935
 - PD deterioration 13,136 163 664 42 901 167 2,242 354 16,943 726
 - PD persistence 9,977 22 46 2 350 32 966 57 11,339 113
 - Other driver (adverse credit, forbearance etc) 4,364 24 849 36 114 20 123 16 5,450 96
Total Stage 2 27,903 228 1,668 91 1,375 225 3,406 452 34,352 996
&#xF02D; The improved economic outlook, including forecast
increases in unemployment, resulted in decreased account
level IFRS 9 PDs during the year. Consequently, compared
to 2020, a smaller proportion of accounts exhibited
significant PD deterioration causing Stage 2 exposures to
decrease significantly and increase the proportion of cases
in Stage 2 for other reasons.
&#xF02D; During the year, a subset of customers who had accessed
payment holiday support and where their risk profile was
identified as relatively high risk, were collectively migrated
into Stage 2. For mortgages, in Retail Banking,
approximately &#xA3;0.8 billion of exposures were collectively
migrated from Stage 1 into Stage 2. The impact of
collective migrations on unsecured lending was much more
limited.
&#xF02D; As expected, ECL coverage was higher in accounts that
were more than 30 days past due than those in Stage 2 for
other reasons.


 Property   Corporate   Financial institutions   Sovereign   Total
  Loans ECL Loans ECL Loans ECL Loans ECL Loans ECL
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Wholesale
Currently &gt;30 DPD 239 3 390 8 19 &#x2014; &#x2014; &#x2014; 648 11
Currently &lt;=30 DPD 2,862 108 15,214 705 713 39 121 1 18,910 853
 - PD deterioration 896 57 10,391 549 595 36 84 1 11,966 643
 - PD persistence 139 8 552 32 6 &#x2014; 1 &#x2014; 698 40
 - Other driver (forbearance, RoCL etc) 1,827 43 4,271 124 112 3 36 &#x2014; 6,246 170
Total Stage 2 3,101 111 15,604 713 732 39 121 1 19,558 864

2020
Wholesale
Currently &gt;30 DPD 136 6 215 28 110 &#x2014; &#x2014; &#x2014; 461 34
Currently &lt;=30 DPD 12,885 501 27,501 1,459 3,514 90 204 1 44,104 2,051
 - PD deterioration 11,765 450 23,268 1,229 3,182 85 97 &#x2014; 38,312 1,764
 - PD persistence 162 5 623 20 7 &#x2014; &#x2014; &#x2014; 792 25
 - Other driver (forbearance, RoCL etc) 958 46 3,610 210 325 5 107 1 5,000 262
Total Stage 2 13,021 507 27,716 1,487 3,624 90 204 1 44,565 2,085

&#xF02D; The improved economic outlook, including upgrades in GDP
and commercial real estate valuations, resulted in a
reduction of IFRS 9 PDs. Consequently, compared to 2020,
a large proportion of exposure no longer exhibited a SICR
and migrated back into Stage 1 resulting in a reduction in
Stage 2 exposure.
&#xF02D; PD deterioration remained the primary trigger for
identifying a SICR and Stage 2 treatment, although there
was also an increase in arrears and other drivers.


&#xF02D; The increase in arrears greater than 30 days was partially a
result of the commencement of payments on government
scheme debt with some customers unable to make
scheduled repayments.
&#xF02D; There was a decrease in flows on to the Risk of Credit Loss
framework. At a total level, exposure on the Risk of Credit
Loss framework remained above pre-COVID-19 levels.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g226.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 224
Credit risk &#x2013; Banking activities continued
Stage 2 decomposition &#x2013; by a significant increase in credit risk trigger

 UK mortgages   RoI mortgages   Credit cards   Other    Total
2021 &#xA3;m % &#xA3;m % &#xA3;m %  &#xA3;m %  &#xA3;m %
Personal trigger (1)
PD movement 2,707 24.6 83 14.9 560 60.1 1,008 51.8 4,358 30.2
PD persistence 3,103 28.2 21 3.8 270 28.9 771 39.6 4,165 28.9
Adverse credit bureau recorded with credit
  reference agency 3,657 33.3 &#x2014; &#x2014; 60 6.4 73 3.7 3,790 26.3
Forbearance support provided 178 1.6 6 1.1 2 0.2 28 1.4 214 1.5
Customers in collections 82 0.8 33 6.0 3 0.3 15 0.8 133 0.9
Collective SICR and other reasons (2) 1,197 10.9 409 74.0 38 4.1 46 2.4 1,690 11.7
Days past due &gt;30 66 0.6 1 0.2 &#x2014; &#x2014; 6 0.3 73 0.5
 10,990 100 553 100 933 100 1,947 100 14,423 100

2020
Personal trigger (1)
PD movement 13,520 48.4 751 45.0 911 66.2 2,310 67.8 17,492 51.0
PD persistence 9,977 35.8 46 2.8 350 25.5 968 28.4 11,341 33.0
Adverse credit bureau recorded with credit
  reference agency 2,936 10.5 &#x2014; &#x2014; 51 3.7 46 1.4 3,033 8.8
Forbearance support provided 138 0.5 7 0.4 1 0.1 9 0.3 155 0.5
Customers in collections 131 0.5 30 1.8 2 0.1 14 0.4 177 0.5
Collective SICR and other reasons (2) 1,165 4.2 832 49.9 60 4.4 55 1.6 2,112 6.1
Days past due &gt;30 36 0.1 2 0.1 &#x2014; &#x2014; 4 0.1 42 0.1
 27,903 100 1,668 100 1,375 100 3,406 100 34,352 100
For the notes to this table refer to the following page.
&#xF02D; The improved economic outlook, including a more optimistic
forecast for unemployment, resulted in decreased account
level IFRS 9 PDs. Consequently, compared to 2020, a
smaller proportion of accounts exhibited significant PD
deterioration at 31 December 2021.
&#xF02D; Since the 2020 year end, large populations of Stage 2 were
migrated into Stage 1 reflecting continued reductions in PDs
as a result of the improved economic outlook alongside
stable portfolio performance during the year.





&#xF02D; However, a subset of customers who had accessed
payment holiday support, and where their risk profile was
identified as relatively high risk, were collectively migrated
into Stage 2. In Retail Banking (primarily mortgages),
approximately &#xA3;0.8 billion of exposures were collectively
migrated from Stage 1 into Stage 2. The effect of collective
migrations on unsecured lending was much more limited.
PD movement made up a smaller proportion of Stage 2 for
UK mortgages than at the 2020 year end, supporting the
use of the collective SICR migration approach described
above.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g227.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 225
Credit risk &#x2013; Banking activities continued
Stage 2 decomposition &#x2013; by a significant increase in credit risk trigger continued
 Property   Corporate   Financial institutions   Sovereign   Total
2021 &#xA3;m % &#xA3;m % &#xA3;m %  &#xA3;m %  &#xA3;m %
Wholesale trigger (1)
PD movement 942 30.3 10,553 67.7 595 81.3 84 69.4 12,174 62.2
PD persistence 139 4.5 553 3.5 6 0.8 1 0.8 699 3.6
Risk of Credit Loss 962 31.0 2,626 16.8 71 9.7 34 28.1 3,693 18.9
Forbearance support provided 101 3.3 489 3.1 6 0.8 &#x2014; &#x2014; 596 3.0
Customers in collections 27 0.9 88 0.6 1 0.1 &#x2014; &#x2014; 116 0.6
Collective SICR and other reasons (2) 762 24.6 1,189 7.6 35 4.8 2 1.7 1,988 10.2
Days past due &gt;30 168 5.4 106 0.7 18 2.5 &#x2014; &#x2014; 292 1.5
 3,101 100 15,604 100 732 100 121 100 19,558 100


2020
Wholesale trigger (1)
PD movement 11,849 91.1 23,403 84.3 3,183 87.9 97 47.6 38,532 86.6
PD persistence 162 1.2 624 2.3 7 0.2 &#x2014; &#x2014; 793 1.8
Risk of Credit Loss 394 3.0 2,106 7.6 66 1.8 39 19.1 2,605 5.8
Forbearance support provided 73 0.6 133 0.5 27 0.7 &#x2014; &#x2014; 233 0.5
Customers in collections 30 0.2 115 0.4 1 &#x2014; &#x2014; &#x2014; 146 0.3
Collective SICR and other reasons (2) 462 3.5 1,262 4.6 231 6.4 68 33.3 2,023 4.5
Days past due &gt;30 51 0.4 73 0.3 109 3.0 &#x2014; &#x2014; 233 0.5
 13,021 100 27,716 100 3,624 100 204 100 44,565 100

(1) The table is prepared on a hierarchical basis from top to bottom, for example, accounts with PD deterioration may also trigge r backstop(s) but are only reported under PD
deterioration.
(2) Includes customers where a PD assessment cannot be undertaken due to missing PDs.

&#xF02D; PD deterioration continued to be the primary trigger of
migration of exposures from Stage 1 into Stage 2. As the
economic outlook improved during 2021, there was a
reduction in cases triggered into Stage 2 exposure.
&#xF02D; Moving exposures on to the Risk of Credit Loss framework
remained an important backstop indicator of a SICR. The
exposures classified under the Stage 2 Risk of Credit Loss
framework trigger increased over the period as less
exposures were captured under the PD deterioration Stage
2 trigger.

&#xF02D; PD persistence related to the business banking portfolio
only.


Stage 3 vintage analysis
The table below shows estimated vintage analysis of the material Stage 3 portfolios.
 2021 2020
 Retail Banking Ulster Bank RoI Retail Banking Ulster Bank RoI mortgages mortgages Wholesale mortgages mortgages Wholesale
Stage 3 loans (&#xA3;bn) 1.2 0.6 2.1 1.3 1.1 2.9
Vintage (time in default):
&lt;1 year 26% 11% 19% 25% 6% 46%
1-3 years 30% 15% 20% 32% 18% 16%
3-5 years 13% 8% 7% 11% 23% 7%
5-10 years 17% 40% 54% 22% 36% 31%
&gt;10 years 14% 26% 10% 17% &#x2014;
  100% 100% 100% 100% 100% 100%

&#xF02D; Retail Banking and Ulster Bank RoI mortgages &#x2013; The
proportion of the Stage 3 defaulted population which have
been in default for over five years reflected NatWest Group&#x2019;s
support for customers in financial difficulty. When customers
continue to engage constructively with NatWest Group,
making regular payments, NatWest Group continues to
support them.
&#xF02D; Wholesale &#x2013; The reduction in the proportion of loans in Stage
3 for less than one year was mainly due to lower flows into
default during 2021 with customers supported by
government support schemes and a positive economic
recovery trajectory. Exposures which were in Stage 3 for in
excess of five years, were mainly related to customers being
in a protracted formal insolvency process or subject to
litigation or a complaints process.
   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g228.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 226
Credit risk &#x2013; Banking activities continued
Asset quality (audited)
The table below shows asset quality bands of gross loans and ECL, by stage, for the Personal portfolio.
 Gross loans   ECL provisions   ECL provisions coverage
  Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m % % % %
UK mortgages
AQ1-AQ4 93,956 3,157 &#x2014; 97,113 8 40 &#x2014; 48 0.01 1.27 &#x2014; 0.05
AQ5-AQ8 81,160 7,325 &#x2014; 88,485 17 103 &#x2014; 120 0.02 1.41 &#x2014; 0.14
AQ9  290 508 &#x2014; 798 &#x2014; 14 &#x2014; 14 &#x2014; 2.76 &#x2014; 1.75
AQ10  &#x2014; &#x2014; 1,451 1,451 &#x2014; &#x2014; 269 269 &#x2014; &#x2014; 18.54 18.54
  175,406 10,990 1,451 187,847 25 157 269 451 0.01 1.43 18.54 0.24
RoI mortgages
AQ1-AQ4 3,669 226 &#x2014; 3,895 5 5 &#x2014; 10 0.14 2.21 &#x2014; 0.26
AQ5-AQ8 1,335 176 &#x2014; 1,511 2 6 &#x2014; 8 0.15 3.41 &#x2014; 0.53
AQ9  8 151 &#x2014; 159 &#x2014; 6 &#x2014; 6 &#x2014; 3.97 &#x2014; 3.77
AQ10 &#x2014; &#x2014; 599 599 &#x2014; &#x2014; 293 293 &#x2014; &#x2014; 48.91 48.91
  5,012 553 599 6,164 7 17 293 317 0.14 3.07 48.91 5.14
Credit cards
AQ1-AQ4 44 1 &#x2014; 45 1 &#x2014; &#x2014; 1 2.27 &#x2014; &#x2014; 2.22
AQ5-AQ8 2,874 894 &#x2014; 3,768 58 130 &#x2014; 188 2.02 14.54 &#x2014; 4.99
AQ9  6 38 &#x2014; 44 &#x2014; 11 &#x2014; 11 &#x2014; 28.95 &#x2014; 25.00
AQ10  &#x2014; &#x2014; 90 90 &#x2014; &#x2014; 60 60 &#x2014; &#x2014; 66.67 66.67
  2,924 933 90 3,947 59 141 60 260 2.02 15.11 66.67 6.59
Other personal
AQ1-AQ4 831 88 &#x2014; 919 6 19 &#x2014; 25 0.72 21.59 &#x2014; 2.72
AQ5 -AQ8 5,950 1,723 &#x2014; 7,673 51 243 &#x2014; 294 0.86 14.10 &#x2014; 3.83
AQ9  52 136 &#x2014; 188 1 37 &#x2014; 38 1.92 27.21 &#x2014; 20.21
AQ10  &#x2014; &#x2014; 642 642 &#x2014; &#x2014; 557 557 &#x2014; &#x2014; 86.76 86.76
  6,833 1,947 642 9,422 58 299 557 914 0.85 15.36 86.76 9.70
Total personal
AQ1-AQ4 98,500 3,472 &#x2014; 101,972 20 64 &#x2014; 84 0.02 1.84 &#x2014; 0.08
AQ5-AQ8 91,319 10,118 &#x2014; 101,437 128 482 &#x2014; 610 0.14 4.76 &#x2014; 0.60
AQ9  356 833 &#x2014; 1,189 1 68 &#x2014; 69 0.28 8.16 &#x2014; 5.80
AQ10  &#x2014; &#x2014; 2,782 2,782 &#x2014; &#x2014; 1,179 1,179 &#x2014; &#x2014; 42.38 42.38
  190,175 14,423 2,782 207,380 149 614 1,179 1,942 0.08 4.26 42.38 0.94


   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g229.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 227
Credit risk &#x2013; Banking activities continued
Asset quality (audited)
  Gross loans   ECL provisions   ECL provisions coverage
  Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total
2020 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m % % % %
UK mortgages
AQ1-AQ4 108,869 6,634 &#x2014; 115,503 10 33 &#x2014; 43 0.01 0.50 &#x2014; 0.04
AQ5-AQ8 38,347 20,254 &#x2014; 58,601 14 146 &#x2014; 160 0.04 0.72 &#x2014; 0.27
AQ9  240 1,015 &#x2014; 1,255 &#x2014; 49 &#x2014; 49 &#x2014; 4.83 &#x2014; 3.90
AQ10  &#x2014; &#x2014; 1,507 1,507 &#x2014; &#x2014; 254 254 &#x2014; &#x2014; 16.85 16.85
  147,456 27,903 1,507 176,866 24 228 254 506 0.02 0.82 16.85 0.29
RoI mortgages
AQ1-AQ4 8,247 777 &#x2014; 9,024 20 38 &#x2014; 58 0.24 4.89 &#x2014; 0.64
AQ5-AQ8 2,677 560 &#x2014; 3,237 7 34 &#x2014; 41 0.26 6.07 &#x2014; 1.27
AQ9  7 331 &#x2014; 338 &#x2014; 19 &#x2014; 19 &#x2014; 5.74 &#x2014; 5.62
AQ10 &#x2014; &#x2014; 1,051 1,051 &#x2014; &#x2014; 381 381 &#x2014; &#x2014; 36.25 36.25
  10,931 1,668 1,051 13,650 27 91 381 499 0.25 5.46 36.25 3.66
Credit cards
AQ1-AQ4 23 4 &#x2014; 27 1 2 &#x2014; 3 4.35 50.00 &#x2014; 11.11
AQ5-AQ8 2,384 1,329 &#x2014; 3,713 52 208 &#x2014; 260 2.18 15.65 &#x2014; 7.00
AQ9  4 42 &#x2014; 46 &#x2014; 15 &#x2014; 15 &#x2014; 35.71 &#x2014; 32.61
AQ10  &#x2014; &#x2014; 109 109 &#x2014; &#x2014; 76 76 &#x2014; &#x2014; 69.72 69.72
  2,411 1,375 109 3,895 53 225 76 354 2.20 16.36 69.72 9.09
Other personal
AQ1-AQ4 1,234 59 &#x2014; 1,293 8 9 &#x2014; 17 0.65 15.25 &#x2014; 1.31
AQ5 -AQ8 4,461 3,020 &#x2014; 7,481 58 336 &#x2014; 394 1.30 11.13 &#x2014; 5.27
AQ9  55 327 &#x2014; 382 1 107 &#x2014; 108 1.82 32.72 &#x2014; 28.27
AQ10  &#x2014; &#x2014; 621 621 &#x2014; &#x2014; 517 517 &#x2014; &#x2014; 83.25 83.25
  5,750 3,406 621 9,777 67 452 517 1,036 1.17 13.27 83.25 10.60
Total personal
AQ1-AQ4 118,373 7,474 &#x2014; 125,847 39 82 &#x2014; 121 0.03 1.10 &#x2014; 0.10
AQ5-AQ8 47,869 25,163 &#x2014; 73,032 131 724 &#x2014; 855 0.27 2.88 &#x2014; 1.17
AQ9  306 1,715 &#x2014; 2,021 1 190 &#x2014; 191 0.33 11.08 &#x2014; 9.45
AQ10  &#x2014; &#x2014; 3,288 3,288 &#x2014; &#x2014; 1,228 1,228 &#x2014; &#x2014; 37.35 37.35
  166,548 34,352 3,288 204,188 171 996 1,228 2,395 0.10 2.90 37.35 1.17


&#xF02D; In the Personal portfolio, the majority of exposures were in
AQ4 and AQ5 within the mortgage portfolios. Overall,
personal asset quality improved slightly with migration in
assets from AQ4 to AQ5 in mortgages offset by migration
from AQ9 into better quality bands. As expected, mortgage
exposures had a higher proportion in AQ1-AQ4 than
unsecured borrowing.


&#xF02D; As noted previously, significant migration from Stage 2 into
Stage 1 across all AQ bands was observed, as IFRS PDs
reduced.
&#xF02D; In other personal, the relatively high level of exposures in
AQ10 reflected that impaired assets can be held on the
balance sheet, with commensurate ECL provision, for up to
six years after default.

 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g230.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 228
Credit risk &#x2013; Banking activities continued
Asset quality (audited)
The table below shows asset quality bands of gross loans and ECL, by stage, for the Wholesale portfolio.
 Gross loans   ECL provisions   ECL provisions coverage
  Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m % % % %
Property
AQ1-AQ4 13,529 223 &#x2014; 13,752 3 7 &#x2014; 10 0.02 3.14 &#x2014; 0.07
AQ5 -AQ8 15,126 2,742 &#x2014; 17,868 21 94 &#x2014; 115 0.14 3.43 &#x2014; 0.64
AQ9  24 136 &#x2014; 160 &#x2014; 10 &#x2014; 10 &#x2014; 7.35 &#x2014; 6.25
AQ10  &#x2014; &#x2014; 742 742 &#x2014; &#x2014; 239 239 &#x2014; &#x2014; 32.21 32.21
  28,679 3,101 742 32,522 24 111 239 374 0.08 3.58 32.21 1.15
Corporate
AQ1-AQ4 18,378 1,027 &#x2014; 19,405 8 48 &#x2014; 56 0.04 4.67 &#x2014; 0.29
AQ5-AQ8 35,351 13,922 &#x2014; 49,273 88 621 &#x2014; 709 0.25 4.46 &#x2014; 1.44
AQ9  74 655 &#x2014; 729 &#x2014; 44 &#x2014; 44 &#x2014; 6.72 &#x2014; 6.04
AQ10  &#x2014; &#x2014; 1,444 1,444 &#x2014; &#x2014; 602 602 &#x2014; &#x2014; 41.69 41.69
  53,803 15,604 1,444 70,851 96 713 602 1,411 0.18 4.57 41.69 1.99
Financial institutions
AQ1-AQ4 50,121 63 &#x2014; 50,184 7 1 &#x2014; 8 0.01 1.59 &#x2014; 0.02
AQ5-AQ8 2,138 667 &#x2014; 2,805 7 38 &#x2014; 45 0.33 5.70 &#x2014; 1.60
AQ9  4 2 &#x2014; 6 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
AQ10  &#x2014; &#x2014; 46 46 &#x2014; &#x2014; 4 4 &#x2014; &#x2014; 8.70 8.70
  52,263 732 46 53,041 14 39 4 57 0.03 5.33 8.70 0.11
Sovereign
AQ1-AQ4 5,787 35 &#x2014; 5,822 19 1 &#x2014; 20 0.33 2.86 &#x2014; 0.34
AQ5-AQ8 117 86 &#x2014; 203 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
AQ9  &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
AQ10  &#x2014; &#x2014; 8 8 &#x2014; &#x2014; 2 2 &#x2014; &#x2014; 25.00 25.00
  5,904 121 8 6,033 19 1 2 22 0.32 0.83 25.00 0.36
Total
AQ1 -AQ4 87,815 1,348 &#x2014; 89,163 37 57 &#x2014; 94 0.04 4.23 &#x2014; 0.11
AQ5-AQ8 52,732 17,417 &#x2014; 70,149 116 753 &#x2014; 869 0.22 4.32 &#x2014; 1.24
AQ9  102 793 &#x2014; 895 &#x2014; 54 &#x2014; 54 &#x2014; 6.81 &#x2014; 6.03
AQ10  &#x2014; &#x2014; 2,240 2,240 &#x2014; &#x2014; 847 847 &#x2014; &#x2014; 37.81 37.81
  140,649 19,558 2,240 162,447 153 864 847 1,864 0.11 4.42 37.81 1.15
2020
Property
AQ1-AQ4 12,694 2,079 &#x2014; 14,773 20 40 &#x2014; 60 0.16 1.92 &#x2014; 0.41
AQ5-AQ8 10,785 10,780 &#x2014; 21,565 103 450 &#x2014; 553 0.96 4.17 &#x2014; 2.56
AQ9  254 162 &#x2014; 416 &#x2014; 17 &#x2014; 17 &#x2014; 10.49 &#x2014; 4.09
AQ10  &#x2014; &#x2014; 1,322 1,322 &#x2014; &#x2014; 545 545 &#x2014; &#x2014; 41.23 41.23
  23,733 13,021 1,322 38,076 123 507 545 1,175 0.52 3.89 41.23 3.09
Corporate
AQ1-AQ4 17,757 2,726 &#x2014; 20,483 20 51 &#x2014; 71 0.11 1.87 &#x2014; 0.35
AQ5-AQ8 29,405 24,430 &#x2014; 53,835 167 1,374 &#x2014; 1,541 0.57 5.62 &#x2014; 2.86
AQ9  928 560 &#x2014; 1,488 1 62 &#x2014; 63 0.11 11.07 &#x2014; 4.23
AQ10  &#x2014; &#x2014; 1,727 1,727 &#x2014; &#x2014; 803 803 &#x2014; &#x2014; 46.50 46.50
  48,090 27,716 1,727 77,533 188 1,487 803 2,478 0.39 5.37 46.50 3.20
Financial institutions
AQ1-AQ4 42,222 1,985 &#x2014; 44,207 13 13 &#x2014; 26 0.03 0.65 &#x2014; 0.06
AQ5-AQ8 1,776 1,453 &#x2014; 3,229 10 39 &#x2014; 49 0.56 2.68 &#x2014; 1.52
AQ9  4 186 &#x2014; 190 &#x2014; 38 &#x2014; 38 &#x2014; 20.43 &#x2014; 20.00
AQ10  &#x2014; &#x2014; 17 17 &#x2014; &#x2014; 8 8 &#x2014; &#x2014; 47.06 47.06
  44,002 3,624 17 47,643 23 90 8 121 0.05 2.48 47.06 0.25
Sovereign
AQ1-AQ4 4,731 106 &#x2014; 4,837 14 1 &#x2014; 15 0.30 0.94 &#x2014; 0.31
AQ5 -AQ8 17 98 &#x2014; 115 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
AQ9  3 &#x2014; &#x2014; 3 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
AQ10  &#x2014; &#x2014; 4 4 &#x2014; &#x2014; 2 2 &#x2014; &#x2014; 50.00 50.00
  4,751 204 4 4,959 14 1 2 17 0.29 0.49 50.00 0.34
Total
AQ1-AQ4 77,404 6,896 &#x2014; 84,300 67 105 &#x2014; 172 0.09 1.52 &#x2014; 0.20
AQ5 -AQ8 41,983 36,761 &#x2014; 78,744 280 1,863 &#x2014; 2,143 0.67 5.07 &#x2014; 2.72
AQ9  1,189 908 &#x2014; 2,097 1 117 &#x2014; 118 0.08 12.89 &#x2014; 5.63
AQ10  &#x2014; &#x2014; 3,070 3,070 &#x2014; &#x2014; 1,358 1,358 &#x2014; &#x2014; 44.23 44.23
  120,576 44,565 3,070 168,211 348 2,085 1,358 3,791 0.29 4.68 44.23 2.25
 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g231.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 229
Credit risk &#x2013; Banking activities continued
Asset quality (audited)


&#xF02D; Across the Wholesale portfolio, the asset quality band
distribution differed, reflective of the underlying quality of
counterparties within each segment.
&#xF02D; Asset quality improvement was observed across most
segments as the economy recovered from the effects of
COVID-19.
&#xF02D; The reduction in AQ10 exposure in property was largely due
to a portfolio sale of commercial real estate.
&#xF02D; Within the Wholesale portfolio, customer credit grades were
reassessed as and when a request for financing was made,
a scheduled customer credit review was undertaken or a
material event specific to that customer occurred.
&#xF02D; ECL provisions coverage showed the expected trend with
increased coverage in the poorer asset quality bands, and
also by stage.
&#xF02D; The low provision coverage for Stage 3 loans in financial
institutions for 2021 reflected the secured nature of one
exposure classified AQ10.
Credit risk &#x2013; Trading activities
This section details the credit risk profile of NatWest Group&#x2019;s trading activities.
Securities financing transactions and collateral (audited)
The table below shows securities funding transactions in NatWest Markets and Treasury. Balance sheet captions include balances
held at all classifications under IFRS 9.
 Reverse Repos  Repos
 Total
Of which
can be offset
Outside netting
arrangements Total
Of which can be
offset
Outside netting
arrangements
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Gross 78,909 78,259 650 73,858 72,712 1,146
IFRS offset (32,016) (32,016) &#x2014; (32,016) (32,016) &#x2014;
Carrying value 46,893 46,243 650 41,842 40,696 1,146


Master netting arrangements (900) (900) &#x2014; (900) (900) &#x2014;
Securities collateral (45,271) (45,271) &#x2014; (39,794) (39,794) &#x2014;
Potential for offset not recognised under IFRS (46,171) (46,171) &#x2014; (40,694) (40,694) &#x2014;
Net 722 72 650 1,148 2 1,146

2020
Gross 80,388 80,025 363 66,493 64,793 1,700
IFRS offset (35,820) (35,820) &#x2014; (35,820) (35,820) &#x2014;
Carrying value 44,568 44,205 363 30,673 28,973 1,700


Master netting arrangements (929) (929) &#x2014; (929) (929) &#x2014;
Securities collateral (43,204) (43,204) &#x2014; (28,044) (28,044) &#x2014;
Potential for offset not recognised under IFRS (44,133) (44,133) &#x2014; (28,973) (28,973) &#x2014;
Net 435 72 363 1,700 &#x2014; 1,700


   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g232.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 230
Credit risk &#x2013; Trading activities continued
Derivatives (audited)
The table below shows derivatives by type of contract. The master netting agreements and collateral shown do not result in a net
presentation on the balance sheet under IFRS. A significant proportion (more than 90%) of the derivatives relate to trading
activities in NatWest Markets. The table also includes hedging derivatives in Treasury.
 2021  2020
 Notional
 GBP USD Euro Other Total Assets Liabilities Notional Assets Liabilities
 &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;m &#xA3;m &#xA3;bn &#xA3;m &#xA3;m
Gross exposure   114,100 109,403  177,330 172,245
IFRS offset   (7,961) (8,568)  (10,807) (11,540)
Carrying value 3,512 3,270 4,092 1,226 12,100 106,139 100,835  14,047 166,523 160,705
Of which:
Interest rate (1) 3,191 1,878 3,536 314 8,919 67,458 61,206  10,703 114,115 105,214
Exchange rate 319 1,388 548 912 3,167 38,517 39,286  3,328 52,239 55,107
Credit 2 4 8 &#x2014; 14 154 343  15 161 376
Equity and commodity &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 10 &#x2014;  1 8 8
Carrying value  12,100 106,139 100,835  14,047 166,523 160,705
Counterparty mark-to-market netting   (85,006) (85,006)   (137,086) (137,086)
Cash collateral   (15,035) (9,909)   (19,608) (15,034)
Securities collateral   (2,428) (2,913)   (5,053) (4,921)
Net exposure   3,670 3,007   4,776 3,664

Banks (2)   393 413   206 557
Other financial institutions (3)   1,490 1,584   1,436 1,931
Corporate (4)   1,716 938   2,985 1,082
Government (5)   71 72   149 94
Net exposure   3,670 3,007   4,776 3,664

UK   1,990 1,122   2,914 1,627
Europe      714 1,028   1,091 1,118
US      645 653   470 644
RoW      321 204   301 275
Net exposure      3,670 3,007   4,776 3,664

Asset quality of uncollateralised
  derivative assets
AQ1-AQ4      2,939   3,464
AQ5-AQ8      674   1,283
AQ9-AQ10      57   29
Net exposure      3,670   4,776

(1) The notional amount of interest rate derivatives includes &#xA3;6,173 billion (2020 &#x2013; &#xA3;7,390 billion) in respect of contracts cleared through central clearing counterparties.
(2)  Transactions with certain counterparties with whom NatWest Group has netting arrangements but collateral is not posted on a daily basis; certain transactions with specific terms that may
not fall within netting and collateral arrangements; derivative positions in certain jurisdictions for example China where the collateral agreements are not deemed to be legally enforceable.
(3)  Includes transactions with securitisation vehicles and funds where collateral posting is contingent on NatWest Group&#x2019;s external rating.
(4)  Mainly large corporates with whom NatWest Group may have netting arrangements in place, but operational capability does not support collateral posting.
(5)  Sovereigns and supranational entities with no collateral arrangements, collateral arrangements that are not considered enforceable, or one-way collateral agreements in their favour.

   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g233.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 231
Credit risk &#x2013; Trading activities continued
Derivatives: settlement basis and central counterparties (audited)
The table below shows the third party derivative notional and fair value by trading and settlement method.
Notional

  Traded over the counter   Asset  Liability
 Traded on Settled Not settled Traded on Traded Traded on Traded
 recognised by central by central recognised over the recognised over the
 exchanges counterparties counterparties Total exchanges counter exchanges counter
2021 &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Interest rate 723 6,173 2,023 8,919 &#x2014; 67,458 &#x2014; 61,206
Exchange rate 2 &#x2014; 3,165 3,167 &#x2014; 38,517 &#x2014; 39,286
Credit &#x2014; &#x2014; 14 14 &#x2014; 154 &#x2014; 343
Equity and commodity &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 10 &#x2014; &#x2014;
Total 725 6,173 5,202 12,100 &#x2014; 106,139 &#x2014; 100,835
2020
Interest rate 1,032 7,390 2,281 10,703 &#x2014; 114,115 &#x2014; 105,214
Exchange rate 2 &#x2014; 3,326 3,328 &#x2014; 52,239 &#x2014; 55,107
Credit &#x2014; &#x2014; 15 15 &#x2014; 161 &#x2014; 376
Equity and commodity &#x2014; &#x2014; 1 1 &#x2014; 8 &#x2014; 8
Total 1,034 7,390 5,623 14,047 &#x2014; 166,523 &#x2014; 160,705

Debt securities (audited)
The table below shows debt securities held at mandatory fair value through profit or loss by issuer as well as ratings based on the
lowest of Standard &amp; Poor&#x2019;s, Moody&#x2019;s and Fitch. A significant proportion (more than 95%) of these positions are trading securities in
NatWest Markets.
 Central and local government Financial
institutions

 UK US Other Corporate Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
AAA &#x2014; &#x2014; 2,011 838 &#x2014; 2,849
AA to AA+ &#x2014; 3,329 3,145 1,401 62 7,937
A to AA- 6,919 &#x2014; 1,950 308 57 9,234
BBB- to A- &#x2014; &#x2014; 3,792 346 517 4,655
Non-investment grade &#x2014; &#x2014; 31 163 82 276
Unrated &#x2014; &#x2014; &#x2014; 3 3 6
Total 6,919 3,329 10,929 3,059 721 24,957
Short positions (9,790) (56) (12,907) (2,074) (137) (24,964)

2020
AAA &#x2014; &#x2014; 3,114 1,113 &#x2014; 4,227
AA to AA+ &#x2014; 5,149 3,651 576 49 9,425
A to AA- 4,184 &#x2014; 1,358 272 81 5,895
BBB- to A- &#x2014; &#x2014; 8,277 444 656 9,377
Non-investment grade &#x2014; &#x2014; 36 127 53 216
Unrated &#x2014; &#x2014; &#x2014; 150 5 155
Total 4,184 5,149 16,436 2,682 844 29,295
Short positions (5,704) (1,123) (18,135) (1,761) (56) (26,779)



   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g234.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 232
Credit risk &#x2013; Cross border exposure
Cross border exposures comprise both banking and trading activities, including reverse repurchase agreements. Exposures
comprise loans and advances, including finance leases and instalment credit receivables, and other monetary assets, such as debt
securities. The geographical breakdown is based on the country of domicile of the borrower or guarantor of ultimate risk. Cross
border exposures include non-local currency claims of overseas offices on local residents but exclude exposures to local residents
in local currencies. The table shows cross border exposures greater than 0.5% of NatWest Group&#x2019;s total assets.

     Short Net of short
  Government Banks Other Total positions positions
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Western Europe 17,206 6,968 17,177 41,351 13,603 27,748
Of which: France 5,391 1,258 3,825 10,474 2,919 7,555
                Germany 3,164 3,640 1,835 8,639 3,111 5,528
                Italy 3,040 210 797 4,047 3,449 598
United States 10,345 3,548 8,539 22,432 1,862 20,570
2020
Western Europe 23,651 9,232 21,091 53,974 18,756 35,218
Of which: France 5,098 1,574 6,270 12,942 2,465 10,477
                Germany 4,913 4,020 2,343 11,276 3,833 7,443
                Italy 4,985 319 791 6,095 3,583 2,512
                Spain 2,980 731 1,120 4,831 3,773 1,058
United States 12,430 4,316 7,186 23,932 1,239 22,693

   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g235.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 233
Capital, liquidity and funding risk
NatWest Group continually ensures a comprehensive approach
is taken to the management of capital, liquidity and funding,
underpinned by frameworks, risk appetite and policies, to
manage and mitigate capital, liquidity and funding risks. The
framework ensures the tools and capability are in place to
facilitate the management and mitigation of risk ensuring
NatWest Group operates within its regulatory requirements and
risk appetite.
Definitions (audited)
Regulatory capital consists of reserves and instruments issued
that are available, have a degree of permanency and are
capable of absorbing losses. A number of strict conditions set
by regulators must be satisfied to be eligible as capital.
Capital adequacy risk is the risk that there is or will be
insufficient capital and other loss-absorbing debt instruments to
operate effectively including meeting minimum regulatory
requirements, operating within Board approved risk appetite
and supporting its strategic goals.
Liquidity consists of assets that can be readily converted to
cash within a short timeframe at a reliable value. Liquidity risk
is the risk of being unable to meet financial obligations as and
when they fall due.
Funding consists of on-balance sheet liabilities that are used to
provide cash to finance assets. Funding risk is the risk of not
maintaining a diversified, stable and cost-effective funding
base.
Liquidity and funding risks arise in a number of ways, including
through the maturity transformation role that banks perform.
The risks are dependent on factors such as:
&#xF02D; Maturity profile;
&#xF02D; Composition of sources and uses of funding;
&#xF02D; The quality and size of the liquidity portfolio;
&#xF02D; Wholesale market conditions; and
&#xF02D; Depositor and investor behaviour.
Sources of risk (audited)
Capital
The eligibility of instruments and financial resources as
regulatory capital is laid down by applicable regulation. Capital
is categorised under two tiers (Tier 1 and Tier 2) according to
the ability to absorb losses, degree of permanency and the
ranking of absorbing losses on either a going or gone concern
basis. There are three broad categories of capital across these
two tiers:
&#xF02D; CET1 capital - CET1 capital must be perpetual and capable
of unrestricted and immediate use to cover risks or losses
as soon as these occur. This includes ordinary shares issued
and retained earnings.
&#xF02D; Additional Tier 1 (AT1) capital - This is the second type of
loss absorbing capital and must be capable of absorbing
losses on a going concern basis. These instruments are
either written down or converted into CET1 capital when
the CET1 ratio falls below a pre-specified level.
&#xF02D; Tier 2 capital - Tier 2 capital is supplementary capital and
provides loss absorption on a gone concern basis. Tier 2
capital absorbs losses after Tier 1 capital. It typically
consists of subordinated debt securities with a minimum
maturity of five years at the point of issuance.
Minimum requirement for own funds and eligible
liabilities (MREL)
In addition to capital, other specific loss-absorbing instruments,
including senior notes issued by NatWest Group, may be used
to cover certain gone concern capital requirements, which is
referred to as MREL. Gone concern refers to the situation in
which resources must be available to enable an orderly
resolution, in the event that the Bank of England (BoE) deems
that NatWest Group has failed or is likely to fail.
Liquidity
NatWest Group maintains a prudent approach to the definition
of liquidity resources. NatWest Group manages its liquidity to
ensure it is always available when and where required, taking
into account regulatory, legal and other constraints. Following
ring-fencing legislation, liquidity is no longer considered
fungible across NatWest Group. Principal liquidity portfolios are
maintained in the UK Domestic Liquidity Sub-Group (UK
DoLSub) (primarily in NatWest Bank Plc), UBIDAC, NatWest
Markets Plc, RBS International Limited and NWM N.V.. Some
disclosures in this section where relevant are presented, on a
consolidated basis, for NatWest Group, the UK DoLSub and on
a solo basis for NatWest Markets Plc.
Liquidity resources are divided into primary and secondary
liquidity as follows:
&#xF02D; Primary liquid assets include cash and balances at central
banks, Treasury bills and other high quality government
and supranational securities.
&#xF02D; Secondary liquid assets are eligible as collateral for local
central bank liquidity facilities. These assets include own-
issued securitisations or whole loans that are retained on
balance sheet and pre-positioned with a central bank so
that they may be converted into additional sources of
liquidity at very short notice.
Funding
NatWest Group maintains a diversified set of funding sources,
including customer deposits, wholesale deposits and term debt
issuance. NatWest Group also retains access to central bank
funding facilities.
For further details on capital constituents and the regulatory
framework covering capital, liquidity and funding requirements,
please refer to the NatWest Group Pillar 3 Report 2021 Capital,
liquidity and funding section.













  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g236.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 234
Capital, liquidity and funding risk continued
Capital management
Capital management ensures that there is sufficient capital and
other loss-absorbing instruments to operate effectively
including meeting minimum regulatory requirements, operating
within Board-approved risk appetite, maintaining its credit
rating and supporting its strategic goals.
Capital management is critical in supporting the businesses and
is enacted through an end-to-end framework across businesses
and legal entities. Capital is managed within the organisation at
the following levels; NatWest Group consolidated, NWH Group
sub consolidated, NatWest Markets Plc, NatWest Markets N.V.
and RBS International Limited. The banking subsidiaries within
NWH Group are governed by the same principles, processes
and management as NatWest Group. Note that although the
aforementioned entities are regulated in line with Basel III
principles, local implementation of the framework differs across
geographies.
Produce
capital
plans
Capital plans are produced for NatWest Group, its
key operating entities and its businesses over a
five year planning horizon under expected and
stress conditions. Stressed capital plans are
produced to support internal stress testing in the
ICAAP for regulatory purposes.
Shorter term forecasts are developed frequently
in response to actual performance, changes in
internal and external business environment and
to manage risks and opportunities.
Assess
capital
adequacy
Capital plans are developed to maintain capital of
sufficient quantity and quality to support NatWest
Group&#x2019;s business, its subsidiaries and strategic
plans over the planning horizon within approved
risk appetite, as determined via stress testing, and
minimum regulatory requirements.
Capital resources and capital requirements are
assessed across a defined planning horizon.
Impact assessment captures input from across
NatWest Group including from businesses.
Inform
capital
actions
Capital planning informs potential capital actions
including buy backs, redemptions, dividends and
new issuance to external investors or via internal
transactions.
Decisions on capital actions will be influenced by
strategic and regulatory requirements, risk
appetite, costs and prevailing market conditions.
As part of capital planning, NatWest Group will
monitor its portfolio of external capital securities
and assess the optimal blend and most cost
effective means of financing.



Capital planning is one of the tools that NatWest Group uses to
monitor and manage capital risk on a going and gone concern
basis, including the risk of excessive leverage.
Liquidity risk management
NatWest Group manages its liquidity risk taking into account
regulatory, legal and other constraints to ensure sufficient
liquidity is available where required to cover liquidity stresses.
The principal levels at which liquidity risk is managed are:
&#xF02D; NatWest Group
&#xF02D; NatWest Holdings Group
&#xF02D; UK DoLSub
&#xF02D; UBIDAC
&#xF02D; NatWest Markets Plc
&#xF02D; NatWest Markets Securities Inc.
&#xF02D; RBS International Limited
&#xF02D; NWM N.V.
The UK DoLSub is PRA regulated and comprises NatWest
Group&#x2019;s four licensed deposit-taking UK banks: National
Westminster Bank Plc (NWB Plc), The Royal Bank of Scotland
plc (RBS plc), Coutts &amp; Company and Ulster Bank Limited. On 3
May 2021, the Ulster Bank Limited business transferred to
National Westminster Bank Plc. Ulster Bank Limited was
removed from the UK DoLSub effective 1 January 2022. The
planned removal of the Ulster Bank Limited license remains
subject to regulatory applications and approvals.
NatWest Group categorises its liquidity portfolio, including its
locally managed liquidity portfolios, into primary and secondary
liquid assets. The size of the liquidity portfolios are determined
by referencing NatWest Group&#x2019;s liquidity risk appetite. NatWest
Group retains a prudent approach to setting the composition of
the liquidity portfolios, which is subject to internal policies
applicable to all entities and limits over quality of counterparty,
maturity mix and currency mix.
RBS International Limited, NWM N.V. and UBIDAC hold locally
managed portfolios that comply with local regulations that may
differ from PRA rules.
The liquidity value of the portfolio is determined by taking
current market prices and applying a discount or haircut, to
give a liquidity value that represents the amount of cash that
can be generated by the asset.
Funding risk management
NatWest Group manages funding risk through a comprehensive
framework which measures and monitors the funding risk on
the balance sheet including quantitative and qualitative analysis
of the behavioural aspects of its assets and liabilities as well as
the funding concentration.











Capital planning is integrated into NatWest Group&#x2019;s wider
annual budgeting process and is assessed and updated at least
monthly. Regular returns are submitted to the PRA which
include a two-year rolling forecast view. Other elements of
capital management, including risk appetite and stress testing,
are set out on pages 176 and 177 of this document. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g237.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 235
Capital, liquidity and funding risk continued
Key points
CET1 ratio (CRR end -point)


The CET1 ratio decreased 30 basis points over the period, due to a &#xA3;2.9 billion
decrease in CET1 and a &#xA3;13.3 billion decrease in RWAs.
The CET1 decrease of c.&#xA3;2.9 billion is mainly driven by:
&#xF02D; the directed buy back and associated pension contribution of &#xA3;1.2 billion;
&#xF02D; the on-market share buy back programmes of &#xA3;1.5 billion (two &#xA3;750 million
programmes);
&#xF02D; foreseeable dividends and associated pension contributions of &#xA3;1.2 billion;
&#xF02D; a &#xA3;1.1 billion decrease in the IFRS 9 transitional adjustment; and
&#xF02D; other reserve movements.
&#xF02D; These reductions were offset by the &#xA3;3.0 billion attributable profit in the
period.

Loss -absorbing capital



Loss absorbing capital decreased by &#xA3;1.5 billion to &#xA3;62.4 billion primarily due to a &#xA3;2.9
billion decrease in CET1 (explained above), new issuance of &#xA3;3.2 billion Senior debt,
AT1 issuances of &#xA3;0.9 billion, and Tier 2 issuances of &#xA3;1.6 billion. These were offset by
the redemption of a $2.65 billion AT1 instrument and c.&#xA3;2.0 billion redemption of Tier
2 instruments, foreign exchange movements and Tier 2 regulatory amortisation.

RWA


Total RWAs decreased by &#xA3;13.3 billion or 7.8% to &#xA3;157.0 billion mainly reflecting:
&#xF02D; a reduction in credit risk RWAs of &#xA3;9.8 billion due to repayments and expired
facilities in Commercial Banking and additional decreases within Ulster Bank RoI
due to repayments and facility maturities.
&#xF02D; Market risk RWAs decreased by &#xA3;1.4 billion driven by the transition from LIBOR to
alternative risk-free rates.
&#xF02D; Counterparty credit risk RWAs decreased by &#xA3;1.2 billion as a result of lower
exposures in NatWest Markets and the strengthening of Sterling against the euro
over the period.
&#xF02D; Operational risk RWAs reduced by &#xA3;0.9 billion following the annual recalculation in
Q1 2021.

UK leverage



The UK leverage ratio decreased by c.60 basis points driven by a &#xA3;4.0 billion decrease
in Tier 1 capital.

Liquidity portfolio




The liquidity portfolio increased by &#xA3;24.1 billion to &#xA3;286.4 billion, with primary liquidity
increasing by &#xA3;38.2 billion to &#xA3;208.6 billion. The increase in primary liquidity is driven
by customer surplus and drawdown from the Term Funding Scheme with additional
incentives for SMEs (TFSME). The reduction in secondary liquidity is due to a
reduction in the pre-positioned collateral at the Bank of England.


Liquidity coverage ratio



The Liquidity Coverage Ratio (LCR) increased to 172% during the year driven by an
increase in the liquidity portfolio offset by a lower level of increased net outflows.  The
increased liquidity portfolio was primarily driven by significant growth in customer
deposits in NatWest Holdings which outstripped growth in customer lending during the
year.

NSFR



The net stable funding ratio (NSFR) was 157% compared to 151% in prior year. The
increase is mainly due to deposits growth. 2021  157%
2021           18.2%
2020           18.5%
2020  165%
2021  172%
2021    &#xA3;157.0bn
2020      &#xA3;170.3bn
2020  151%
2020       &#xA3;63.9bn
2021       &#xA3;62.4bn
2021    5.8%
2020    6.4%
2020  &#xA3;262.3bn
2021  &#xA3;286.4bn </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g238.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 236
Capital, liquidity and funding risk continued
Minimum requirements
Maximum Distributable Amount (MDA) and Minimum Capital Requirements
NatWest Group is subject to minimum capital requirements relative to RWAs. The table below summarises the minimum capital
requirements (the sum of Pillar 1 and Pillar 2A), and the additional capital buffers which are held in excess of the regulatory
minimum requirements and are usable in stress.
Where the CET1 ratio falls below the sum of the minimum capital and the combined buffer requirement, there is a subsequent
automatic restriction on the amount available to service discretionary payments (including AT1 coupons), known as the MDA. Note
that different capital requirements apply to individual legal entities or sub-groups and the table shown does not reflect any
incremental PRA buffer requirements, which are not disclosable.
The current capital position provides significant headroom above both our minimum requirements and our MDA threshold
requirements.

Type CET1 Total Tier 1 Total capital
Pillar 1 requirements 4.5% 6.0% 8.0%
Pillar 2A requirements 2.0% 2.7% 3.6%
Minimum Capital Requirements 6.5% 8.7% 11.6%
Capital conservation buffer 2.5% 2.5% 2.5%
Countercyclical capital buffer (1) &#x2014; &#x2014; &#x2014;
MDA threshold (2) 9.0% n/a n/a
Subtotal 9.0% 11.2% 14.1%
Capital ratios at 31 December 2021 18.2% 20.7% 24.1%
Headroom (3) 9.2% 9.5% 10.0%

(1) In response to COVID -19, many countries reduced their CCyB rates. In December 2021, the Financial Policy Committee announced an increase in the UK CCyB rate from 0% to 1%.
This rate will come into effect from December 2022 in line with the 12 month implementation period.  The CBI continues to mai ntain the rate at 0% with an announcement of a gradual
increase of the CCyB expected in 2022.
(2) Pillar 2A requirements for NatWest Group are currently set on a nominal capital basis. From 2022, all firms will be set Pilla r 2A as a variable amount with the exception of some fixed
add -ons.
(3) The headroom does not reflect excess distributable capital and may vary over time.

Leverage ratios
The table below summarises the minimum ratios of capital to leverage exposure under the binding PRA UK leverage framework
applicable for NatWest Group.
Type CET1 Total Tier 1
Minimum ratio 2.4375% 3.2500%
Countercyclical leverage ratio buffer (1) &#x2014; &#x2014;
Total 2.4375% 3.2500%

(1) The countercyclical leverage ratio buffer is set at 35% of NatWest Group&#x2019;s CCyB. As noted above the UK CCyB will increase from 0% to 1% effective from December 2022. Foreign
exposures may be subject to different CCyB rates depending on the rate set in those jurisdictions.
(2) Following the publication of the new UK leverage framework on 8 October 2021, certain NatWest Group legal entities that are not currently in scope of the minimum leverage ratio
capital requirements will be expected to manage their leverage ratio at the same level as firms in scope from 1 January 2022 and will be subject to  the minimum requirement from 1
January 2023.

Liquidity and funding ratios
The table below summarises the minimum requirements for key liquidity and funding metrics, under the relevant legislative
framework.
Type
Liquidity coverage ratio (LCR)  100%
Net stable funding ratio (NSFR) (1) &#x2014;

(1) Net stable funding ratio (NSFR) reported in line with CRR2 regulations finalised in June 2019. Following the publication of PS 22/21 on 14 October 2021, a binding NSFR minimum
requirement of 100% will be effective from January 2022.

 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g239.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 237
Capital, liquidity and funding risk continued
Measurement
Capital, risk-weighted assets and leverage: Key metrics

  2021  2020

End-point PRA transitional End-point  PRA transitional
CRR basis (1) basis CRR basis (1) basis
&#xA3;m &#xA3;m  &#xA3;m &#xA3;m
CET1 28,596 28,596  31,447 31,447
Tier1 32,471 33,042  36,430 37,260
Total 37,873 38,748  41,685 43,733

RWAs  &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Credit risk 120,116 120,116  129,914 129,914
Counterparty credit risk 7,907 7,907  9,104 9,104
Market risk 7,917 7,917  9,362 9,362
Operational risk 21,031 21,031  21,930 21,930
Total RWAs  156,971 156,971  170,310 170,310

Capital adequacy ratios % %  % %
CET1 18.2 18.2  18.5 18.5
Tier 1 20.7 21.0  21.4 21.9
Total 24.1 24.7  24.5 25.7

Leverage ratios &#xA3;m &#xA3;m  &#xA3;m &#xA3;m
Tier 1 capital 32,471 33,042  36,430 37,260
UK Average Tier 1 capital (2) 33,233 33,804  36,397 37,231
UK Average leverage exposure (2) 568,802 568,802  576,906 576,906
UK Average leverage ratio (%) (2) 5.8% 5.9%  6.3% 6.5%
UK leverage ratio (%) (3) 5.8% 5.9%  6.4% 6.5%

(1) CRR as implemented by the Prudential Regulation Authority in the UK. End-point CRR basis includes an IFRS 9 transitional uplift to capital of &#xA3;0.6 billion (31 December 2020 - &#xA3;1.7
billion). Excluding this adjustment, the CET1 ratio would be 17.8% (31 December 2020 &#x2013; 17.5%).  The amended article for the prudential treatment of software assets was
implemented in December 2020. Excluding this adjustment the CET1 ratio at 31 December 2021 would be 18.0% (31 December 2020 &#x2013; 18.2%).
(2) Based on the daily average of on-balance sheet items and three month-end average of off-balance sheet items.
(3) Presented on CRR end-point Tier 1 capital (including IFRS 9 transitional adjustment). The UK leverage ratio excludes central bank claims from the leverage exposure where deposits
held are denominated in the same currency and of contractual maturity that is equal or longer than that of the central bank claims. Excluding an IFRS 9 transitional adjustment, the
UK leverage ratio would be 5.7% (31 December 2020 &#x2013; 6.1%). The amended article for the prudential treatment of software assets was implemented in December 2020. Excluding
this adjustment, the UK leverage ratio at 31 December 2021 would be 5.7% (31 December 2020 &#x2013; 6.3%).

On 1 January 2022 the CET1 ratio was 15.9% including the impact of RWA inflation, 200 basis points, the removal of the software
development cost capital benefit, 20 basis points, and the tapering of IFRS 9 transitional relief of 10 basis points. RWAs increased
by &#xA3;18.8 billion, including &#xA3;14.8 billion associated with mortgage risk weight changes.



The table below sets out the key capital and leverage ratios. Refer to Note 26 to the consolidated financial statements in the
Annual Report on Form 20-F for a more detailed breakdown of regulatory capital.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g240.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 238
Capital, liquidity and funding risk continued
Capital flow statement
The table below analyses the movement in CRR CET1, AT1 and Tier 2 capital for the year.
  CET1 AT1 Tier 2 Total
  &#xA3;m &#xA3;m &#xA3;m &#xA3;m
At 1 January 2021 31,447 4,983 5,255 41,685
Attributable profit for the period 2,950 2,950
Ordinary interim dividend paid  (348) (348)
Directed buy back and associated dividend linked contribution (1,231) (1,231)
On-market ordinary share buy back programme (1,500) (1,500)
Foreseeable ordinary dividends (846) (846)
Foreseeable pension contributions (365) (365)
Foreign exchange reserve (403) (403)
FVOCI reserve (91) (91)
Own credit 22   22
Share capital and reserve movements in respect of employee share
schemes 87 87
Goodwill and intangibles deduction (130) (130)
Deferred tax assets (1) (1)
Prudential valuation adjustments 12 12
New issues of capital instruments &#x2014; 933 1,635 2,568
Redemption of capital instruments 150 (2,041) (1,580) (3,471)
Net dated subordinated debt instruments &#x2014;  20 20
Foreign exchange movements &#x2014;  15 15
Adjustment under IFRS 9 transitional arrangements (1,126) (1,126)
Other movements (31) 57 26
At 31 December 2021 28,596 3,875 5,402 37,873
&#xF02D; The CET1 decrease of c.&#xA3;2.9 billion is mainly driven by the
directed buy back and associated dividend linked
contribution of &#xA3;1.2 billion, the on-market share buy back
programmes of &#xA3;1.5 billion, foreseeable dividends and
associated pension contributions of &#xA3;1.2 billion, a &#xA3;1.1 billion
decrease in the IFRS 9 transitional adjustment and other
reserve movements. These reductions were offset by the
&#xA3;3.0 billion attributable profit in the period.
&#xF02D; At H1 2021, an on-market ordinary share buy back
programme of &#xA3;750 million was announced resulting in a
foreseeable charge to capital, of which &#xA3;675 million has
been executed by 31 December 2021. The outstanding &#xA3;75
million remains as a foreseeable charge together with &#xA3;750
million recognised in Q4 2021 for an additional on-market
ordinary share buy back programme.
&#xF02D; AT1 reflects the &#xA3;400 million 4.5% Reset Perpetual
Subordinated Contingent Convertible Notes issued in March
2021 and $750 million 4.600% Reset Perpetual Subordinated
Contingent Convertible notes in June 2021. It also reflects a
$2.7 billion redemption of 8.625% Perpetual Subordinated
Contingent Convertible Additional notes in August 2021.
&#xF02D; The Tier 2 movement is primarily due to the redemption of
own debt of &#xA3;1.5 billion in March 2021, a &#xA3;1.0 billion
issuance of subordinated Tier 2 notes in May 2021 and a
&#x20AC;750 million issuance of subordinated Tier 2 notes in
September 2021.

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g241.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 239
Capital, liquidity and funding risk continued
Risk-weighted assets
The table below analyses the movement in RWAs during the year, by key drivers.
   Counterparty
  Credit risk credit risk Market risk Operational risk Total
&#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
At 1 January 2021 129.9 9.1 9.4 21.9 170.3
Foreign exchange movement (1.1) (0.2) &#x2014; &#x2014; (1.3)
Business movements (4.9) (0.9) 1.5 (0.9) (5.2)
Risk parameter changes (1) (2.2) (0.1) &#x2014; &#x2014; (2.3)
Methodology changes  0.1 &#x2014; 0.3 &#x2014; 0.4
Model updates (0.5) &#x2014; (3.3) &#x2014; (3.8)
Other movements (2) (0.9) &#x2014; &#x2014; &#x2014; (0.9)
Acquisitions and disposals (3) (0.2) &#x2014; &#x2014; &#x2014; (0.2)
At 31 December 2021 120.2 7.9 7.9 21.0 157.0

The table below analyses the movement in RWAs by segment during the year.
 Go -forward group
  Total   Central excluding  Retail Private Commercial RBS NatWest items Ulster Ulster  Banking Banking Banking International Markets &amp; other Bank RoI Bank RoI Total
Total RWAs &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
At 1 January 2021 36.7 10.9 75.1 7.5 26.9 1.4 158.5 11.8 170.3
Foreign exchange movement &#x2014; &#x2014; (0.3) &#x2014; (0.4) &#x2014; (0.7) (0.6) (1.3)
Business movements 0.4 0.4 (6.0) 0.1 0.8 0.4 (3.9) (1.3) (5.2)
Risk parameter changes (1) (0.4) &#x2014; (1.2) (0.1) &#x2014; &#x2014; (1.7) (0.6) (2.3)
Methodology changes &#x2014; &#x2014; 0.1 &#x2014; 0.3 &#x2014; 0.4 &#x2014; 0.4
Model updates &#x2014; &#x2014; (0.5) &#x2014; (3.3) &#x2014; (3.8) &#x2014; (3.8)
Other movements (2) &#x2014; &#x2014; (0.8) &#x2014; (0.1) &#x2014; (0.9) &#x2014; (0.9)
Acquisitions and disposals (3) &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; (0.2) (0.2)
At 31 December 2021 36.7 11.3 66.4 7.5 24.2 1.8 147.9 9.1 157.0

Credit risk  29.4 9.9 58.0 6.5 6.4 1.8 112.0 8.2 120.2
Counterparty credit risk  0.2 0.1 0.3 &#x2014; 7.3 &#x2014; 7.9 &#x2014; 7.9
Market risk 0.1 &#x2014; 0.1 &#x2014; 7.7 &#x2014; 7.9 &#x2014; 7.9
Operational risk 7.0 1.3 8.0 1.0 2.8 &#x2014; 20.1 0.9 21.0
Total RWAs 36.7 11.3 66.4 7.5 24.2 1.8 147.9 9.1 157.0

(1) Risk parameter changes relate to changes in credit quality metrics of customers and counterparties (such as probability of default and loss given default) as well as internal ratings
based model changes relating to counterparty credit risk.
(2) The movements in other include the following:
(a) RWA benefit of &#xA3;0.8 billion as a result of the CRR COVID-19 amendment for Infrastructure Supporting Factor.
(b) Asset transfers from NatWest Markets to Commercial.
(3) The movement in acquisitions &amp; disposals reflected a portfolio sale of non-performing loans in Ulster Bank RoI.

Total RWAs decreased to &#xA3;157.0 billion during the period due to
the following:
&#xF02D; Credit risk RWAs decreased by &#xA3;9.8 billion due to
repayments and expired facilities in Commercial Banking
and additional decreases within Ulster Bank RoI due to
repayments and facility maturities. Operational risk RWAs
decreased by &#xA3;0.9 billion following the annual recalculation
in Q1 2021.

&#xF02D; Counterparty credit risk RWAs reduced by &#xA3;1.2 billion,
mainly reflecting reduced IMM exposures in NatWest
Markets.
&#xF02D; Market risk RWAs decreased by &#xA3;1.4 billion primarily driven
by a decrease in modelled market risk reflecting a reduction
in tenor basis risk in sterling flow rates, related to the
transition from LIBOR to alternative risk-free rates.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g242.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 240
Capital, liquidity and funding risk continued
Leverage exposure

2021 2020
&#xA3;m &#xA3;m
Cash and balances at central banks 177,757 124,489
Trading assets 59,158 68,990
Derivatives 106,139 166,523
Financial assets 412,817 422,647
Other assets 17,106 16,842
Assets of disposal groups 9,015 &#x2014;
Total assets 781,992 799,491
Derivatives
  - netting and variation margin (110,204) (172,658)
  - potential future exposures 35,035 38,171
Securities financing transactions gross up 1,397 1,179
Undrawn commitments (1) 44,240 45,853
Regulatory deductions and other adjustments (8,980) (8,943)
Claims on central banks (174,148) (122,252)
Exclusion of bounce back loans (7,474) (8,283)
UK leverage exposure (2) 561,858 572,558

(1) Leverage exposure includes a commitment treated as external for the purposes of the regulatory consolidation, which is treated as internal within the weighted undrawn
commitments table below.
(2) The UK leverage ratio excludes central bank claims from the leverage exposure where deposits held are denominated in the same currency and of contractual maturity that is equal
or longer than that of the central bank claims.

Liquidity key metrics
The table below sets out the key liquidity and related metrics monitored by NatWest Group.
 2021  2020
 NatWest Group UK DoLSub NatWest Group UK DoLSub
Liquidity coverage ratio (1) 172% 169% 165% 152%
Stressed outflow coverage (2) 194% 195% 183% 168%
Net stable funding ratio (3) 157% 151% 151% 144%

(1) The published LCR excludes Pillar 2 add-ons. NatWest Group calculates the LCR using its own interpretations of the EU LCR Delegated Act, which may change over time and may
not be fully comparable with those of other financial institutions.
(2) NatWest Group&#x2019;s stressed outflow coverage (SOC) is an internal measure calculated by reference to liquid assets as a percentage of net stressed contractual and behavioural
outflows over three months under the worst of three severe stress scenarios of a market-wide stress, an idiosyncratic stress and a combination of both as per ILAAP. This
assessment is performed in accordance with PRA guidance.
(3) Following the publication of PS 22/21 on 14 October 2021, a binding NSFR minimum requirement of 100% will be effective from January 2022.


Weighted undrawn commitments
The table below provides a breakdown of weighted undrawn commitments.
  2021 2020
  &#xA3;bn &#xA3;bn
Unconditionally cancellable credit cards 1.8 1.8
Other unconditionally cancellable items 3.1 3.2
Unconditionally cancellable items (1) 4.9 5.0

Undrawn commitments &lt;1 year which may not be cancelled 1.7 1.9
Other off-balance sheet items with 20% credit conversion factor (CCF) 0.3 0.4
Items with a 20% CCF 2.0 2.3

Revolving credit risk facilities 27.5 28.4
Term loans 3.3 3.6
Mortgages &#x2014; &#x2014;
Other undrawn commitments &gt;1 year which may not be cancelled &amp; off-balance sheet 1.1 1.2
Items with a 50% CCF 31.9 33.2
Items with a 100% CCF 5.3 5.4
Total  44.1 45.9

(1) Based on a 10% CCF. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g243.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 241
Capital, liquidity and funding risk continued
Loss-absorbing capital
The following table illustrates the components of estimated loss-absorbing capital (LAC) in NatWest Group plc and operating
subsidiaries and includes external issuances only. The table is prepared on a transitional basis, including the benefit of regulatory
capital instruments issued from operating companies, to the extent they meet MREL criteria.
   Balance    Balance
  Par sheet Regulatory LAC Par sheet Regulatory LAC
  value (1) value value (2) value (3) value value value value
&#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
CET1 capital (4) 28.6 28.6 28.6 28.6  31.4 31.4 31.4 31.4

Tier 1 capital: end-point CRR compliant AT1
  of which: NatWest Group plc (holdco) 3.9 3.9 3.9 3.9  5.0 5.0 5.0 5.0
  of which: NatWest Group plc operating
      operating subsidiaries (opcos) &#x2014; &#x2014; &#x2014; &#x2014;  &#x2014; &#x2014; &#x2014; &#x2014;
  3.9 3.9 3.9 3.9  5.0 5.0 5.0 5.0

Tier 1 capital: end-point CRR non compliant
  of which: holdco 0.6 0.6 0.5 0.5  0.7 0.7 0.7 0.5
  of which: opcos 0.1 0.1 &#x2014; &#x2014;  0.1 0.1 0.1 0.1
  0.7 0.7 0.5 0.5  0.8 0.8 0.8 0.6

Tier 2 capital: end-point CRR compliant
  of which: holdco 7.1 7.1 4.9 6.0  6.9 7.2 4.8 5.7
  of which: opcos 0.3 0.3 &#x2014; &#x2014;  0.4 0.4 0.1 0.1
  7.4 7.4 4.9 6.0  7.3 7.6 4.9 5.8

Tier 2 capital: end-point CRR non compliant
  of which: holdco &#x2014; &#x2014; &#x2014; &#x2014;  0.1 0.1 0.1 0.1
  of which: opcos 0.6 0.9 0.3 0.1  1.6 1.9 1.1 1.0
  0.6 0.9 0.3 0.1  1.7 2.0 1.2 1.1

Senior unsecured debt securities
  of which: holdco 22.8 23.4 &#x2014; 22.8  19.6 20.9 &#x2014; 19.6
  of which: opcos 22.7 22.6 &#x2014; &#x2014;  20.9 21.5 &#x2014; &#x2014;
  45.5 46.0 &#x2014; 22.8  40.5 42.4 &#x2014; 19.6

Tier 2 capital
  Other regulatory adjustments &#x2014; &#x2014; 0.5 0.5  &#x2014; &#x2014; 0.4 0.4
  &#x2014; &#x2014; 0.5 0.5  &#x2014; &#x2014; 0.4 0.4
Total 86.7 87.5 38.7 62.4  86.7 89.2 43.7 63.9

RWAs    157.0     170.3
UK leverage exposure    561.9     572.6

LAC as a ratio of RWAs    39.8%     37.5%
LAC as a ratio of UK leverage exposure    11.1%     11.2%

(1) Par value reflects the nominal value of securities issued.
(2) Regulatory capital instruments issued from operating companies are included in the transitional LAC calculation; to the extent they meet the current MREL criteria.
(3) LAC value reflects NatWest Group&#x2019;s interpretation of the Bank of England&#x2019;s approach to setting a minimum requirement for own funds and eligible liabilities (MREL), published in
June 2018. MREL policy and requirements remain subject to further potential development, as such NatWest Group&#x2019;s estimated position remains subject to potential change.
Liabilities excluded from LAC include instruments with less than one year remaining to maturity, structured debt, operating company senior debt, and other instruments that do not
meet the MREL criteria. The LAC calculation includes Tier 1 and Tier 2 securities before the application of any regulatory caps or adjustments.
(4) Corresponding shareholders&#x2019; equity was &#xA3;41.8 billion (2020 - &#xA3;43.9 billion).
(5) Regulatory amounts reported for AT1, Tier 1 and Tier 2 instruments are before grandfathering restrictions imposed by CRR.

The roll-off profile relating to senior debt and subordinated debt instruments is set out on page 243 of this document.
  2021   2020 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g244.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 242
Capital, liquidity and funding risk continued
Loss-absorbing capital
The following table illustrates the components of the stock of outstanding issuance in NatWest Group and its operating subsidiaries
including external and Internal issuances .
  NatWest  NatWest NWM RBS
  NatWest Holdings  Markets Securities International
  Group plc Limited NWB Plc RBS plc UBIDAC NWM Plc N.V. Inc. Limited
  &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
Tier 1 (inclusive of AT1) Externally issued 4.5 &#x2014; 0.1 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
Tier 1 (inclusive of AT1) Internally issued &#x2014; 3.7 2.4 1.0 &#x2014; 0.9 0.2 &#x2014; 0.3
  4.5 3.7 2.5 1.0 &#x2014; 0.9 0.2 &#x2014; 0.3
Tier 2 Externally issued 7.1 &#x2014; 0.1 &#x2014; 0.1 0.4 0.5 &#x2014; &#x2014;
Tier 2 Internally issued &#x2014; 4.6 3.1 1.4 0.4 1.5 0.1 0.3 &#x2014;
  7.1 4.6 3.2 1.4 0.5 1.9 0.6 0.3 &#x2014;
Senior unsecured Externally issued 23.4 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
Senior unsecured Internally issued &#x2014; 11.3 5.7 0.4 0.5 3.9 &#x2014; &#x2014; &#x2014;
  23.4 11.3 5.7 0.4 0.5 3.9 &#x2014; &#x2014; &#x2014;
Total outstanding issuance 35.0 19.6 11.4 2.8 1.0 6.7 0.8 0.3 0.3

(1) The balances are the IFRS balance sheet carrying amounts, which may differ from the amount which the instrument contributes to regulatory capital. Regulatory balances exclude,
for example, issuance costs and fair value movements, while dated capital is required to be amortised on a straight-line basis over the final five years of maturity.
(2) Balance sheet amounts reported for AT1, Tier 1 and Tier 2 instruments are before grandfathering restrictions imposed by CRR.
(3) Internal issuance for NWB Plc, RBS plc and UBIDAC represents AT1, Tier 2 or Senior unsecured issuance to NatWest Holdings Limited and for NWM N.V. and NWM SI to NWM Plc.
(4) Senior unsecured debt does not include CP, CD and short term/medium term notes issued from NatWest Group operating subsidiaries.
(5) Tier 1 (inclusive of AT1) does not include CET1 numbers.

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g245.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 243
Capital, liquidity and funding risk continued
Roll-off profile
The following table illustrates the roll-off profile and weighted average spreads of NatWest Group&#x2019;s major wholesale funding
programmes.

As at and
 for year ended Roll -off profile
Senior debt roll-off profile (1) 31 December 2021 H1 2022 H2 2022 2023 2024 2025 &amp; 2026 2027 &amp; later
NatWest Group plc
  - amount (&#xA3;m) 23,424 &#x2014; 7 6,814 1,956 6,086 8,561
  - weighted average rate spread (bps) 181 &#x2014; 224 224 164 178 153
NWM Plc
  - amount (&#xA3;m) 17,360 3,978 2,959 2,359 2,909 4,469 686
  - weighted average rate spread (bps) 77 38 58 107 88 92 133
NatWest Bank Plc
  - amount (&#xA3;m) 3,399 3,248 151 &#x2014; &#x2014; &#x2014; &#x2014;
  - weighted average rate spread (bps) 1 1 (2) &#x2014; &#x2014; &#x2014; &#x2014;
NWM N.V.
  - amount (&#xA3;m) 1,109 576 533 &#x2014; &#x2014; &#x2014; &#x2014;
  - weighted average rate spread (bps) 13 15 11 &#x2014; &#x2014; &#x2014; &#x2014;
NWM S.I.
  - amount (&#xA3;m) 225 &#x2014; 4 &#x2014; 81 75 65
  - weighted average rate spread (bps) 130 &#x2014; 64 &#x2014; 98 137 168
RBSI
  - amount (&#xA3;m) 460 383 77 &#x2014; &#x2014; &#x2014; &#x2014;
  - weighted average rate spread (bps) 89 84 103 &#x2014; &#x2014; &#x2014; &#x2014;
Securitisation
  - amount (&#xA3;m) 867 &#x2014; &#x2014; &#x2014; &#x2014; 289 578
  - weighted average rate spread (bps) 5 &#x2014; &#x2014; &#x2014; &#x2014; 10 3
Covered bonds
  - amount (&#xA3;m) 2,887 &#x2014; &#x2014; 751 2,136 &#x2014; &#x2014;
  - weighted average rate spread (bps) 129 &#x2014; &#x2014; 44 160 &#x2014; &#x2014;
Total notes issued - amount (&#xA3;m) 49,731 8,185 3,731 9,924 7,082 10,919 9,890
Weighted average rate spread (bps) 121 24 51 182 130 137 143

Subordinated debt instruments roll-off
profile (2)

NatWest Group plc (&#xA3;m) 7,094 &#x2014; 981 1,429 1,525 1,953 1,206
NWM Plc (&#xA3;m) 417 275 &#x2014; 119 &#x2014; 21 2
NatWest Bank Plc (&#xA3;m) 87 &#x2014; 87 &#x2014; &#x2014; &#x2014; &#x2014;
NWM N.V. (&#xA3;m) 548 &#x2014; &#x2014; 104 &#x2014; &#x2014; 444
UBIDAC (&#xA3;m) 73 &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; 73
Total (&#xA3;m) 8,219 275 1,068 1,652 1,525 1,974 1,725

(1) Based on final contractual instrument maturity.
(2) Based on first call date of instrument, however this does not indicate NatWest Group&#x2019;s strategy on capital and funding management. The table above does not include debt
accounted Tier 1 instruments although those instruments form part of the total subordinated debt balance.
(3) The weighted average spread reflects the average net funding cost to NatWest Group and is calculated on an indicative basis.
(4) The roll-off table is based on sterling-equivalent balance sheet values.
 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g246.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 244
Capital, liquidity and funding risk continued
Liquidity portfolio (audited)
The table below shows the liquidity portfolio by product, with primary liquidity aligned to internal stressed outflow coverage and
regulatory LCR categorisation. Secondary liquidity comprises assets eligible for discount at central banks, which do not form part
of the liquid asset portfolio for LCR or stressed outflow purposes.

  Liquidity value
  2021  2020
 NatWest
Group (1)
NWH
Group (2)
UK DoL
Sub (3)
NatWest
Group
NWH
Group
UK DoL
Sub
 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Cash and balances at central banks (4) 174,328 140,562 136,154 115,820 86,575 86,575
 AAA to AA- rated governments 31,073 21,710 21,123 50,901 37,086 35,875
 A+ and lower rated governments  25 &#x2014; &#x2014; 79 &#x2014; &#x2014;
 Government guaranteed issuers, public sector entities and
    government sponsored entities 307 295 174 272 272 141
 International organisations and multilateral development
    banks 2,720 1,807 1,466 3,140 2,579 2,154
LCR level 1 bonds 34,125 23,812 22,763 54,392 39,937 38,170
LCR level 1 assets 208,453 164,374 158,917 170,212 126,512 124,745
LCR level 2 assets 117 &#x2014; &#x2014; 124 &#x2014; &#x2014;
Non-LCR eligible assets &#x2014; &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;
Primary liquidity 208,570 164,374 158,917 170,336 126,512 124,745
Secondary liquidity (5) 77,849 77,660 76,573 91,985 91,761 88,774
Total liquidity value 286,419 242,034 235,490 262,321 218,273 213,519

(1) NatWest Group includes the UK Domestic Liquidity Sub-Group (UK DoLSub), NatWest Markets Plc and other significant operating subsidiaries that hold liquidity portfolios. These
include The Royal Bank of Scotland International Limited, NWM N.V. and Ulster Bank Ireland DAC who hold managed portfolios that comply with local regulations that may differ
from PRA rules.
(2) NWH Group comprises UK DoLSub and Ulster Bank Ireland DAC who hold managed portfolios that comply with local regulations that may differ from PRA rules.
(3) UK DoLSub comprises NatWest Group&#x2019;s four licensed deposit-taking UK banks within the ring-fenced bank: NWB Plc, RBS plc, Coutts &amp; Company and Ulster Bank Limited. Ulster
Bank Limited was removed from the UK DoLSub effective 1 January 2022.
(4) Following a change in methodology in our internal stressed outflow coverage metric, cash placed at Central Bank of Ireland within UBIDAC is now reported in the liquidity portfolio.
(5) Comprises assets eligible for discounting at the Bank of England and other central banks.
(6) NatWest Markets Plc liquidity portfolio is reported in the NatWest Markets Plc Annual Report and Accounts. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g247.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 245
Capital, liquidity and funding risk continued
Funding sources (audited)
The table below shows the carrying values of the principal funding sources based on contractual maturity. Balance sheet captions
include balances held at all classifications under IFRS 9.
 2021  2020
 Short -term Long -term Short-term Long-term
 less than more than less than more than
 1 year 1 year Total 1 year 1 year Total
 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Bank Deposits
Repos 7,912 &#x2014; 7,912 6,470 &#x2014; 6,470
Other bank deposits (1) 5,803 12,564 18,367 5,845 8,291 14,136
 13,715 12,564 26,279 12,315 8,291 20,606
Customer Deposits
Repos 14,541 &#x2014; 14,541 5,167 &#x2014; 5,167
Non-bank financial institutions 57,885 67 57,952 53,475 147 53,622
Personal 230,525 829 231,354 208,046 1,183 209,229
Corporate 175,850 113 175,963 163,595 126 163,721
 478,801 1,009 479,810 430,283 1,456 431,739
Trading liabilities (2)
Repos (3) 19,389 &#x2014; 19,389 19,036 &#x2014; 19,036
Derivatives collateral 17,718 &#x2014; 17,718 23,229 &#x2014; 23,229
Other bank and customer deposits 849 704 1,553 819 985 1,804
Debt securities in issue - medium term notes 178 796 974 527 881 1,408
 38,134 1,500 39,634 43,611 1,866 45,477
Other financial liabilities
Customer deposits 568 &#x2014; 568 616 180 796
Debt securities in issue:
Commercial paper and certificates of deposit 9,038 115 9,153 7,086 168 7,254
Medium term notes 6,401 29,451 35,852 4,648 29,078 33,726
Covered bonds 53 2,833 2,886 53 2,967 3,020
Securitisation &#x2014; 867 867 &#x2014; 1,015 1,015
 16,060 33,266 49,326 12,403 33,408 45,811
Subordinated liabilities 1,375 7,054 8,429 365 9,597 9,962
Total funding 548,085 55,393 603,478 498,977 54,618 553,595

Of which: available in resolution (4) 29,624  28,823

(1) Includes &#xA3;12.0 billion (2020 &#x2013; &#xA3;5.0 billion) relating to Term Funding Scheme with additional incentives for Small and Medium-sized Enterprises participation and nil (2020 &#x2013; &#xA3;2.8
billion) relating to NatWest Group&#x2019;s participation in central bank financing operations under the European Central Bank&#x2019;s targeted long-term financing operations.
(2) Excludes short positions of &#xA3;25.0 billion (2020 &#x2013; &#xA3;26.8 billion).
(3) Comprises central &amp; other bank repos of &#xA3;0.8 billion (2020 &#x2013; &#xA3;1.0 billion), other financial institution repos of &#xA3;17.0 billion (2020 &#x2013; &#xA3;16.0 billion) and other corporate repos of &#xA3;1.6
billion (2020 &#x2013; &#xA3;2.0 billion).
(4) Eligible liabilities (as defined in the Banking Act 2009 as amended from time to time) that meet the eligibility criteria set out in the regulations, rules, policies, guidelines, or
statements of the Bank of England including the Statement of Policy published by the Bank of England in June 2018. The balance consists of &#xA3;23.4 billion (2020 &#x2013; &#xA3;20.9 billion) under
debt securities in issue (senior MREL) and &#xA3;6.2 billion (2020 &#x2013; &#xA3;7.9 billion) under subordinated liabilities.

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g248.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 246
Capital, liquidity and funding risk continued
Contractual maturity (audited)
This table shows the residual maturity of financial instruments, based on contractual date of maturity of NatWest Group&#x2019;s banking
activities, including hedging derivatives. Trading activities, comprising mandatory fair value through profit or loss (MFVTPL) assets
and held-for-trading (HFT) liabilities have been excluded from the maturity analysis due to their short-term nature and are shown
in total in the table below.

 Banking activities
 Less than 1 1-3 3-6 6 months 3-5 More than Trading
 month months months -1 year Subtotal 1-3 years years 5 years Total activities Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Cash and balances  177,757 &#x2014; &#x2014; &#x2014; 177,757 &#x2014; &#x2014; &#x2014; 177,757 &#x2014; 177,757
   at central banks
Trading assets &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;  &#x2014; &#x2014; &#x2014; &#x2014;  59,158 59,158
Derivatives 4 8 5 13 30 10 2 2 44 106,095 106,139
Settlement balances 2,141 &#x2014; &#x2014; &#x2014; 2,141 &#x2014; &#x2014; &#x2014; 2,141 &#x2014; 2,141
Loans to banks -
   amortised cost 5,584 220 1,615 6 7,425 20 &#x2014; 237 7,682 &#x2014; 7,682
Loans to customers -
   amortised cost (1) 45,553 23,071 16,517 22,238 107,379 53,767 36,481 165,053 362,680 &#x2014; 362,680
  Personal 4,565 2,416 3,386 6,443 16,810 23,446 21,437 145,453 207,146 &#x2014; 207,146
  Corporate 28,527 10,116 5,106 7,218 50,967 23,881 13,876 18,853 107,577 &#x2014; 107,577
  Non-bank financial
   institutions 12,461 10,539 8,025 8,577 39,602 6,440 1,168 747 47,957 &#x2014; 47,957
Other financial assets  2,502 1,705 1,573 5,439 11,219 9,251 7,558 17,800 45,828 317 46,145
Total financial assets 233,541 25,004 19,710 27,696 305,951 63,048 44,041 183,092 596,132 165,570 761,702

2020
Total financial assets  167,371  20,237  21,478 26,907  235,993  74,266  52,380  192,431  555,070   235,860  790,930

2021
Bank deposits
   excluding repos 4,930 454 285 134 5,803 564 12,000 &#x2014; 18,367 &#x2014; 18,367
Bank repos 6,251 1,661 &#x2014; &#x2014; 7,912 &#x2014; &#x2014; &#x2014; 7,912 &#x2014; 7,912
Customer repos 3,532 11,009 &#x2014; &#x2014; 14,541 &#x2014; &#x2014; &#x2014; 14,541 &#x2014; 14,541
Customer deposits
   excluding repos 445,811 12,944 3,200 2,305 464,260 918 69 22 465,269 &#x2014; 465,269
  Personal 225,623 1,664 1,822 1,416 230,525 829 &#x2014; &#x2014; 231,354 &#x2014; 231,354
  Corporate 168,090 5,908 1,160 692 175,850 36 55 22 175,963 &#x2014; 175,963
  Non -bank financial
   institutions 52,098 5,372 218 197 57,885 53 14 &#x2014; 57,952 &#x2014; 57,952
Settlement balances 2,068 &#x2014; &#x2014; &#x2014; 2,068 &#x2014; &#x2014; &#x2014; 2,068 &#x2014; 2,068
Trading liabilities &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;  &#x2014; &#x2014; &#x2014; &#x2014;  64,598 64,598
Derivatives 1 1 1 10 13 92 20 (5) 120 100,715 100,835
Other financial liabilities 1,602 5,547 5,020 3,891 16,060 15,840 9,533 7,893 49,326 &#x2014; 49,326
  CPs and CDs 1,523 2,864 2,266 2,385 9,038 105 10 &#x2014; 9,153 &#x2014; 9,153
  Medium term notes 28 2,683 2,352 1,338 6,401 12,902 9,234 7,315 35,852 &#x2014; 35,852
  Covered bonds 50 &#x2014; 3 &#x2014; 53 2,833 &#x2014; &#x2014; 2,886 &#x2014; 2,886
  Securitisations &#x2014; &#x2014; &#x2014; &#x2014; &#x2014;  &#x2014; 289 578 867 &#x2014; 867
  Customer deposits DFV 1 &#x2014; 399 168 568 &#x2014; &#x2014; &#x2014; 568 &#x2014; 568
Subordinated liabilities &#x2014; 37 272 1,066 1,375 3,165 1,959 1,930 8,429 &#x2014; 8,429
Notes in circulation  3,047 &#x2014; &#x2014; &#x2014; 3,047 &#x2014; &#x2014; &#x2014; 3,047 &#x2014; 3,047
Lease liabilities 26 49 72 91 238 220 165 640 1,263 &#x2014; 1,263
Total financial liabilities 467,268 31,702 8,850 7,497 515,317 20,799 23,746 10,480 570,342 165,313 735,655

2020
Total financial liabilities 428,632 17,297 10,730 7,106 463,765 23,319 19,708 11,354 518,146 232,831 750,977

(1) Loans to customers excludes &#xA3;3.7 billion (2020 &#x2013; &#xA3;6.0 billion) of impairment provisions.



  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g249.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 247
Capital, liquidity and funding risk continued
Senior notes and subordinated liabilities - residual maturity profile by instrument type (audited)
The table below shows NatWest Group&#x2019;s debt securities in issue and subordinated liabilities by residual maturity.
 Trading
 liabilities  Other financial liabilities
  Debt securities in issue
 Debt securities Commercial
 in issue paper Covered Subordinated Total notes
 MTNs and CDs MTNs bonds Securitisation liabilities Total in issue
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Less than 1 year 178 9,038 6,401 53 &#x2014; 1,375 16,867 17,045
1-3 years 335 105 12,902 2,833 &#x2014; 3,165 19,005 19,340
3-5 years 112 10 9,234 &#x2014; 289 1,959 11,492 11,604
More than 5 years 349 &#x2014; 7,315 &#x2014; 578 1,930 9,823 10,172
Total 974 9,153 35,852 2,886 867 8,429 57,187 58,161
2020
Less than 1 year 527 7,086 4,648 53 &#x2014; 365 12,152 12,679
1-3 years 169 165 13,349 749 &#x2014; 3,854 18,117 18,286
3-5 years 240 3 8,538 2,218 296 3,349 14,404 14,644
More than 5 years 472 &#x2014; 7,191 &#x2014; 719 2,394 10,304 10,776
Total 1,408 7,254 33,726 3,020 1,015 9,962 54,977 56,385

The table below shows the currency breakdown.
   GBP USD EUR Other Total
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Commercial paper and CDs 2,692 2,743 3,718 &#x2014; 9,153
MTNs 2,471 19,032 13,718 1,605 36,826
Covered bonds   1,820 &#x2014; 1,066 &#x2014; 2,886
Securitisation 867 &#x2014; &#x2014; &#x2014; 867
Subordinated liabilities 2,234 4,825 1,370 &#x2014; 8,429
Total     10,084 26,600 19,872 1,605 58,161
2020 total     8,933 25,051 19,917 2,484 56,385

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g250.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 248
Capital, liquidity and funding risk continued
Funding gap: maturity and segment analysis
The contractual maturity of balance sheet assets and liabilities reflects the maturity transformation role banks perform, lending
long-term but mainly obtaining funding through short-term liabilities such as customer deposits. In practice, the behavioural profiles
of many liabilities show greater stability and longer maturity than the contractual maturity. This is particularly true of many types
of retail and corporate deposits which, despite being repayable on demand or at short notice, have demonstrated very stable
characteristics even in periods of acute stress.
In its analysis to assess and manage asset and liability maturity gaps, NatWest Group determines the expected customer behaviour
through qualitative and quantitative techniques. These incorporate observed customer behaviours over long periods of time. This
analysis is subject to governance through NatWest Group ALCo Technical committee down to a segment level. The net behavioural
funding surplus/(gap) and contractual maturity analysis is set out below.


 Contractual maturity  Behavioural maturity
 Loans to customers  Customer accounts  Net surplus/(gap)  Net surplus/(gap)
 Less
than
1 year
1-5
years
Greater
than 5
years Total
Less
than 1
year
1-5
years
Greater
than 5
years Total
Less
than 1
year 1-5 years
Greater
than 5
years Total
Less
than 1
year
1-5
years
Greater
than 5
years Total
2021 &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
Retail Banking 12 39 131 182 188 1 &#x2014; 189 176 (38) (131) 7 (7) 18 (4) 7
Private Banking 3 6 9 18 39 &#x2014; &#x2014; 39 36 (6) (9) 21 (1) 9 13 21
Commercial Banking 50 33 18 101 178 &#x2014; &#x2014; 178 128 (33) (18) 77 4 79 (6) 77
RBS International 7 6 3 16 38 &#x2014; &#x2014; 38 31 (6) (3) 22 5 6 11 22
NatWest Markets 12 4 1 17 13 1 &#x2014; 14 1 (3) (1) (3) 1 (4) &#x2014; (3)
Central it ems &amp; other 2 &#x2014; &#x2014; 2 1 &#x2014; &#x2014; 1 (1) &#x2014; &#x2014; (1) (1) &#x2014; &#x2014; (1)
Total excluding
    Ulster Bank RoI 86 88 162 336 457 2 &#x2014; 459 371 (86) (162) 123 1 108 14 123
Ulster Bank RoI 1 2 4 7 18 &#x2014; &#x2014; 18 17 (2) (4) 11 10 1 &#x2014; 11
Total 87 90 166 343 475 2 &#x2014; 477 388 (88) (166) 134 11 109 14 134

2020 &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
Total 75 104 169 348 438 2 &#x2014; 440 363 (102) (169) 92 22 58 12 92

(1) Loans to customers and customer accounts include trading assets and trading liabilities respectively and excludes reverse repos and repos.

&#xF02D; The net customer funding surplus has increased by &#xA3;42
billion during 2021 to &#xA3;134 billion driven by a &#xA3;37 billion
growth in deposits and a &#xA3;5 billion decline in loans to
customers.
&#xF02D; Customer deposits and loans to customers are broadly
matched from a behavioural perspective.

&#xF02D; The net funding surplus in 2021 is mainly concentrated in
the longer dated buckets, reflecting stable characteristics of
customer deposits.

  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g251.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 249
Capital, liquidity and funding risk continued
Encumbrance (audited)
NatWest Group evaluates the extent to which assets can be
financed in a secured form (encumbrance), but certain asset
types lend themselves more readily to encumbrance. The typical
characteristics that support encumbrance are an ability to
pledge those assets to another counterparty or entity through
operation of law without necessarily requiring prior notification,
homogeneity, predictable and measurable cash flows, and a
consistent and uniform underwriting and collection process.
Retail assets including residential mortgages, credit card
receivables and personal loans display many of these features.
NatWest Group categorises its assets into four broad groups,
those that are:
&#xF02D; Already encumbered and used to support funding currently
in place through own-asset securitisations, covered bonds
and securities repurchase agreements.


&#xF02D; Pre-positioned with central banks as part of funding
schemes and those encumbered under such schemes.
&#xF02D; Ring-fenced to meet regulatory requirements, where
NatWest Group has in place an operational continuity in
resolution (OCIR) investment mandate wherein the PRA
requires critical service providers to hold segregated liquidity
buffers covering at least 50% of their annual fixed
overheads.
&#xF02D; Not currently encumbered. In this category, NatWest Group
has in place an enablement programme which seeks to
identify assets capable of being encumbered and to identify
the actions to facilitate such encumbrance whilst not
affecting customer relationships or servicing.
Programmes to manage the use of assets to actively support
funding are established within UK DoLSub, UBIDAC and
NatWest Markets Plc.
Balance sheet encumbrance
The table shows the retained encumbrance assets of NatWest Group.
 Encumbered as a result of
 transactions with   Unencumbered assets not
 counterparties  Collateral pre -positioned
 other than central banks Pre -positioned ring -fenced with central banks
 Covered SFT, &amp; encumbered to meet
 debts &amp; derivatives assets held regulatory Readily Other Cannot
 securitisa - and similar Total at central requirement available available be used
 tions (1) (2,3) (4) banks (5) (6) (7) (8) (9) Total Total (10)
2021 &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn
Cash and balances at central
banks - 5.1 5.1 - - 172.7 - - 172.7 177.8
Trading assets - 36.7 36.7 - - 0.8 0.9 20.8 22.5 59.2
Derivatives - - - - - - - 106.1 106.1 106.1
Settlement balances - - - - - - - 2.1 2.1 2.1
Loans to banks - amortised cost - 0.1 0.1 - - 6.7 0.6 0.3 7.6 7.7
Loans to customers - amortised
cost 11.8 1.8 13.6 122.4 - 58.1 116.5 48.4 223.0 359.0
 - residential mortagages
    - UK 8.3 - 8.3 119.7 - 44.4 14.2 - 58.6 186.6
    - Rol 1.2 - 1.2 2.7 - 2.0 - - 2.0 5.9
 - credit cards - - - - - 3.5 0.4 - 3.9 3.9
 - personal loans - - - - - 5.1 2.4 1.4 8.9 8.9
 - other 2.3 1.8 4.1 - - 3.1 99.5 47.0 149.6 153.7
Other financial assets - 15.4 15.4 - 2.0 27.7 0.4 0.6 28.7 46.1
Intangible assets - - - - - - - 6.7 6.7 6.7
Other assets - - - - - - 1.9 6.4 8.3 8.3
Assets of disposal groups 0.1 - 0.1 3.8 - 1.9 3.2 - 5.1 9.0
Total assets 11.9 59.1 71.0 126.2 2.0 267.9 123.5 191.4 582.8 782.0

2020
Total assets 14.8 70.8 85.6 134.0 2.2 203.7 123.1 250.9 577.7 799.5

(1) Covered debts and securitisations include securitisations, conduits, covered bonds and secured notes.
(2) Repos and other secured deposits, cash, coin and nostro balance held with the Bank of England as collateral against deposits and notes in circulation are included here rather than
within those positioned at the central bank as they are part of normal banking operations. Securities financing transactions (SFT) include collateral given to secure derivat ive liabilities.
(3) Derivative cash collateral of &#xA3;12.0 billion (2020 - &#xA3;18.8 billion) has been included in the encumbered assets basis the regulatory requirement.
(4) Total assets encumbered as a result of transactions with counterparties other than ce ntral banks are those that have been pledged to provide security and are therefore not available
to secure funding or to meet other collateral needs.
(5) Assets pre -positioned at the central banks include loans provided as security as part of funding schemes and those encumbered under such schemes.
(6) Ring -fenced to meet regulatory requirement includes assets ring fenced to meet operational continuity in resolution (OCIR) investment mandate.
(7) Readily available for encumbrance: including assets that have been enabled for use with central banks but not pre -positioned; cash and high quality debt securities that form part of
NatWest Group&#x2019;s liquidity por tfolio and unencumbered debt securities.
(8) Other assets that are capable of being encumbered are those assets on the balance sheet that are available for funding and co llateral purposes but are not readily realisable in their
current form. These assets include loans that could be pre-positioned with central banks but have not been subject to internal and external documentation review and diligence work.
(9) Cannot be used includes:
 (a) Derivatives, reverse repurchase agreements and trading related settlement balances.
 (b) Non -financial assets such as intangibles, prepayments and deferred tax.
 (c)  Loans that cannot be pre -positioned with central banks based on criteria set by the central banks, including those relating to date of origination and level of documentation.
 (d) Non -recourse invoice financing balances and certain shipping loans whose terms and structure prohibit their use as collateral.
(10) In accordance with market practice, NatWest Group employs securities recognised on the balance sheet, and securities received under reverse repo transa ctions as collateral for repos.
   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g252.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 250
Market risk (audited)
Non-traded market risk
Definition (audited)
Non-traded market risk is the risk to the value of assets or
liabilities outside the trading book, or the risk to income, that
arises from changes in market prices such as interest rates,
foreign exchange rates and equity prices, or from changes in
managed rates.
Sources of risk (audited)
The key sources of non-traded market risk are interest rate
risk, credit spread risk, foreign exchange risk, equity risk and
accounting volatility risk.

For detailed qualitative and quantitative information on each of
these risk types, refer to the separate sub-sections following
the VaR table below.
Key developments in 2021
&#xF02D; As inflationary pressures increased in 2021, market
expectations regarding the future path of interest rates
changed. The five-year sterling overnight index interest rate
swap rate rose from -0.01% at 31 December 2020 to 1.05%
at 31 December 2021. The corresponding ten-year rate
rose from 0.16% to 0.95%. At 31 December 2021 market
rates implied several increases in the UK base rate from
0.25%; at 31 December 2020 they had implied potential cuts
to the rate from 0.1%.
&#xF02D; The sensitivity of net interest earnings to a 25 basis point
upward shift in the market-implied yield curve was a
cumulative &#xA3;1,183 million over three years at 31 December
2021, down from &#xA3;1,455 million at 31 December 2020. The
decrease partly reflected the higher impact of central bank
policy rates in the market-implied curve at 31 December
2021.
&#xF02D; NatWest Group&#x2019;s structural hedge of equity and deposits
provides some protection against volatility in interest rates.
Notably, the product structural hedge notional, which
captures deposits in the Retail and Commercial Banking
franchises, increased from &#xA3;169 billion at 31 December
2020 to &#xA3;206 billion at 31 December 2021 as more balances
were included in the hedging programme. This increase
mainly reflected the significant growth in customer deposits
during the pandemic.
&#xF02D; Although swap rates began to rise in H2 2021, the yield on
the structural hedge fell from 1.06% to 0.75%. This mainly
resulted from maturing of swaps and increased hedging.
Increased volumes are initially hedged at shorter dates to
ensure an evenly amortising risk profile. The reduction in
fixed yield also, in part, reflects the transition from LIBOR to
the SONIA benchmark. New hedges are indexed against
SONIA, which is a risk-free benchmark and therefore has a
lower outright coupon.

&#xF02D; Sterling strengthened against the euro, to 1.19 at 31
December 2021 compared to 1.11 at 31 December 2020. It
weakened slightly against the US dollar, to 1.35 at 31
December 2021 compared to 1.37 at 31 December 2020.
Structural foreign currency exposures decreased, in sterling
equivalent terms, over the year, mainly driven by increased
hedging of NatWest Holdings&#x2019; investment in UBIDAC.

Governance (audited)
Responsibility for identifying, measuring, monitoring and
controlling market risk arising from non-trading activities lies
with the relevant business. Oversight is provided by the
independent Risk function.
Risk positions are reported regularly to the Executive Risk
Committee and the Board Risk Committee, as well as to the
Asset &amp; Liability Management Committee. Non-traded market
risk policy sets out the governance and risk management
framework.
Risk appetite
NatWest Group&#x2019;s qualitative appetite is set out in the non-
traded market risk appetite statement.
Its quantitative appetite is expressed in terms of value-at-risk
(VaR), stressed value-at-risk (SVaR), sensitivity and stress limits,
and earnings-at-risk limits.


NatWest Group is exposed to non-traded market risk through
its banking activities and to traded market risk through its
trading activities. Non-traded and traded market risk exposures
are managed and discussed separately. The non-traded market
risk section begins below. The traded market risk section
begins on page 258 of this document. Pension-related
activities also give rise to market risk. Refer to page 262 of this
document for more information on risk related to pensions.
The limits are reviewed to reflect changes in risk appetite,
business plans, portfolio composition and the market and
economic environments. To ensure approved limits are not
breached and that NatWest Group remains within its risk
appetite, triggers have been set and are actively managed. For
further information on risk appetite and risk controls, refer to
pages 176 and 177 of this document. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g253.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 251
Non-traded market risk continued
Risk measurement (audited)
Non-traded internal VaR (1-day 99%)
The following table shows one-day internal banking book value-at-risk (VaR) at a 99% confidence level, split by risk type. VaR
values for each year are calculated based on one-day values for each of the 12 month-end reporting dates.
 2021  2020
 Average Maximum Minimum Period end Average Maximum Minimum Period end
  &#xA3;m &#xA3;m &#xA3;m &#xA3;m  &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Interest rate 10.2 13.7 6.4 8.6 14.1 17.7 8.0 12.3
Credit spread  102.9 113.5 92.4 100.9 103.2 121.1 63.7 111.5
Structural foreign exchange rate 11.4 13.2 9.2 12.0 10.8 14.7 9.1 8.9
Equity 12.4 14.6 11.1 14.3 28.5 35.4 24.9 11.6
Pipeline risk (1) 0.5 1.2 0.3 1.2 0.5 0.7 0.3 0.3
Diversification (2) (12.9) (35.6) (18.9) 4.2
Total 124.5 147.1 101.4 101.4 138.2 159.9 70.8 148.8

(1) Pipeline risk is the risk of loss arising from personal customers owning an option to draw down a loan &#x2013; typically a mortgage &#x2013; at a committed rate, where interest rate changes
may result in greater or fewer customers than anticipated taking up the committed offer.
(2) NatWest Group benefits from diversification across various financial instrument types, currencies and markets. The extent of the diversification benefit depends on the correlation
between the assets and risk factors in the portfolio at a particular time. The diversification factor is the sum of the VaR on individual risk types less the total portfolio VaR.

&#xF02D; On an average basis, non-traded VaR was broadly stable
over 2021. Period-end VaR reflects the completion of the
transition from LIBOR to risk-free benchmarks.

&#xF02D; The decrease in equity VaR, on an average basis, reflects the
disposal of SABB in 2020.

NatWest Group&#x2019;s VaR metrics are explained on page 253 of this document. Each of the key risk types are discussed in
greater detail in their individual sub-sections following this table.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g254.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 252
Non-traded market risk continued
Interest rate risk
Non-traded interest rate risk (NTIRR) arises from the provision
to customers of a range of banking products with differing
interest rate characteristics. When aggregated, these products
form portfolios of assets and liabilities with varying degrees of
sensitivity to changes in market interest rates. Mismatches can
give rise to volatility in net interest income as interest rates
vary.
NTIRR comprises the following three primary risk types:
&#xF02D; Gap risk: arises from the timing of rate changes in non-
trading book instruments. The extent of gap risk depends
on whether changes to the term structure of interest rates
occur consistently across the yield curve (parallel risk) or
differentially by period (non-parallel risk).
&#xF02D; Basis risk: captures the impact of relative changes in
interest rates for financial instruments that have similar
tenors but are priced using different interest rate indices, or
on the same interest rate indices but with different tenors.



&#xF02D; Option risk: arises from option derivative positions or from
optional elements embedded in assets, liabilities and/or off-
balance sheet items, where NatWest Group or its customer
can alter the level and timing of their cash flows. Option
risk also includes pipeline risk.

To manage exposures within its risk appetite, NatWest Group
aggregates interest rate positions and hedges its residual
exposure, primarily with interest rate swaps.
Structural hedging aims to reduce gap risk and the sensitivity
of earnings to interest rate shocks. It also provides some
protection against prolonged periods of falling rates. Structural
hedging is explained in greater detail below, followed by
information on how NatWest Group measures NTIRR from both
an economic value-based and an earnings-based perspective.


Structural hedging
NatWest Group has a significant pool of stable, non and low interest-bearing liabilities, principally comprising equity and money
transmission accounts. These balances are usually hedged, either by investing directly in longer-term fixed-rate assets (such as
fixed-rate mortgages or UK government gilts) or by using interest rate swaps, which are generally booked as cash flow hedges of
floating-rate assets, in order to provide a consistent and predictable revenue stream.
After hedging the net interest rate exposure externally, NatWest Group allocates income to equity or products in structural hedges
by reference to the relevant interest rate swap curve. Over time, this approach has provided a basis for stable income attribution
to products and interest rate returns. The programme aims to track a time series of medium-term swap rates, but the yield will be
affected by changes in product volumes and NatWest Group&#x2019;s capital composition.
The table below shows the total income and total yield, incremental income relative to short-term cash rates, and the period-end
and average notional balances allocated to equity and products in respect of the structural hedges managed by NatWest Group.

 2021   2020
  Incremental Total Period end Average Total Incremental Total Period end Average Total
  income income notional notional yield income income notional notional yield
  &#xA3;m &#xA3;m &#xA3;bn &#xA3;bn % &#xA3;m &#xA3;m &#xA3;bn &#xA3;bn %
Equity structural hedging 426 448 21 22 2.05  478 580 23 24 2.43
Product structural hedging 744 861 161 145 0.59  543 958 125 115 0.83
Other structural hedges 139 115 24 23 0.51  119 150 21 20 0.73
Total 1,309 1,424 206 190 0.75  1,140 1,688 169 159 1.06


Equity structural hedges refer to income allocated primarily to equity and reserves. At 31 December 2021, the equity structural
hedge notional was allocated between NWH Group and NWM Plc in a ratio of approximately 80/20 respectively.
Product structural hedges refer to income allocated to customer products by NWH Group Treasury, mainly current accounts and
customer deposits in Commercial Banking and UK Retail Banking. Other structural hedges refer to hedges managed by UBIDAC,
Private Banking, Ulster Bank Limited and RBS International. Hedges associated with Ulster Bank Limited were moved from other
structural hedges to product hedges in H1 2021 as Ulster Bank Limited products migrated to NatWest Bank Plc.
At 31 December 2021, approximately 93% by notional of total structural hedges were sterling-denominated.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g255.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 253
Non-traded market risk continued
The following table presents the incremental income associated with product structural hedges at segment level.
 2021 2020
&#xA3;m &#xA3;m
Retail Banking 346 251
Commercial Banking 398 292
Total 744 543

&#xF02D; The increase in hedge notional, on a period-end basis,
mainly resulted from increased hedging of Personal and
Commercial deposits. This reflected the increase in
underlying customer deposit balances.
&#xF02D; The five-year sterling swap rate rose to 1.05% at the end of
December 2021 from -0.01% at the end of December 2020.
The ten-year sterling swap rate also rose, from 0.16% to
0.95%. Despite the swap rate rises, the yield of the
structural hedge fell. This was partly due to the full-year
impact of hedges booked in 2020 and the impact of hedging
balance growth, where new hedges may be booked initially
at shorter maturities than five or ten years and therefore
attract a lower coupon than the five or ten-year swap rate.

&#xF02D; During 2021, sterling-denominated structural hedges were
migrated from LIBOR to a SONIA index. US dollar-
denominated structural hedges were migrated from LIBOR
to a SOFR index. Because SONIA and SOFR are risk-free
benchmarks, as maturing hedges are replaced the yield
going forward will increasingly reflect the lack of risk
premium. Euro-denominated hedges remain indexed
against EURIBOR.

NTIRR can be measured using value-based or earnings-based approaches. Value-based approaches measure the change in value
of the balance sheet assets and liabilities including all cash flows. Earnings-based approaches measure the potential impact on the
income statement of changes in interest rates over a defined horizon, generally one to three years.
NatWest Group uses VaR as its value-based approach and sensitivity of net interest earnings as its earnings-based approach.
These two approaches provide complementary views of the impact of interest rate risk on the balance sheet at a point in time. The
scenarios employed in the net interest earnings sensitivity approach may incorporate assumptions about how NatWest Group and
its customers will respond to a change in the level of interest rates. In contrast, the VaR approach measures the sensitivity of the
balance sheet at a point in time. Capturing all cash flows, VaR also highlights the impact of duration and repricing risks beyond the
one-to-three-year period shown in earnings sensitivity calculations.
Value-at-risk
VaR is a statistical estimate of the potential change in the market value of a portfolio (and, thus, the impact on the income
statement) over a specified time horizon at a given confidence level.
NatWest Group&#x2019;s standard VaR metrics &#x2013; which assume a time horizon of one trading day and a confidence level of 99% &#x2013; are
based on interest rate repricing gaps at the reporting date. Daily rate moves are modelled using observations from the last 500
business days. These incorporate customer products plus associated funding and hedging transactions as well as non-financial
assets and liabilities. Behavioural assumptions are applied as appropriate.
The non-traded interest rate risk VaR metrics for NatWest Group&#x2019;s retail and commercial banking activities are included in the
banking book VaR table presented earlier in this section. The VaR captures the risk resulting from mismatches in the repricing
dates of assets and liabilities.
It also includes any mismatch between the maturity profile of external hedges and NatWest Group&#x2019;s target maturity profile for the
hedge.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g256.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 254
Non-traded market risk continued
Sensitivity of net interest earnings
Net interest earnings are sensitive to changes in the level of
interest rates, mainly because maturing structural hedges are
replaced at higher or lower rates and changes to coupons on
managed rate customer products do not always match changes
in market rates of interest or central bank policy rates.
Earnings sensitivity is derived from a market-implied forward
rate curve, which will incorporate expected changes in central
bank policy rates such as the Bank of England base rate. A
simple scenario is shown that projects forward earnings based
on the 31 December 2021 balance sheet, which is assumed to
remain constant. An earnings projection is derived from the
market-implied curve, which is then subject to interest rate
shocks. The difference between the market-implied projection
and the shock gives an indication of underlying sensitivity to
interest rate movements.



Reported sensitivities should not be considered a forecast of
future performance in these rate scenarios. Actions that could
reduce interest earnings sensitivity include changes in pricing
strategies on customer loans and deposits as well as hedging.
Management action may also be taken to stabilise total income
also taking into account non-interest income.
Three-year 25-basis-point sensitivity table
The table below shows the sensitivity of net interest earnings &#x2013;
for both structural hedges and managed rate accounts &#x2013; on a
one, two and three-year forward-looking basis to an upward or
downward interest rate shift of 25 basis points.
In the upward rate scenario, yield curves were assumed to
move in parallel, at both year-ends.
The downward rate scenario at both year-ends allows interest
rates to fall to negative rates.

    +25 basis points upward shift  -25 basis points downward shift
    Year 1  Year 2 (1) Year 3 (1) Year 1 Year 2 (1) Year 3 (1)
2021   &#xA3;m  &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Structural hedges 43 144 235 (43) (144) (235)
Managed margin  282 220 255 (255) (209) (187)
Other 4 (5)
Total 329 364 490 (303) (353) (422)
2020
Structural hedges 37 118 199 (37) (118) (199)
Managed margin  319 380 387 (258) (285) (292)
Other 15 (20)
Total 371 498 586 (315) (403) (491)

(1) The projections for Year 2 and Year 3 consider only the main drivers of earnings sensitivity, namely structural hedging and margin management.
(2) The assumption of a constant balance sheet means that UBIDAC balances are held constant. UBIDAC contributes a relatively smal l proportion of NatWest Group&#x2019;s overall
earnings sensitivity. For example, UBIDAC contributes approximately 6% to NatWest Group&#x2019;s overall sensitivity to an upward 25-basis-point rate shift over three years.
&#xF02D; The increase in structural hedge sensitivity at 31 December
2021 reflects the increase in the hedge notional since 31
December 2020.
&#xF02D; The reduction in managed margin sensitivity in the upward
and downward 25-basis-point rate shifts as well as in the
upward 100-basis-point shift partly reflects the higher level
of interest rates at 31 December 2021 compared to 31
December 2020. In the market-implied projection, the UK
base rate is projected to rise several times from 0.25% over
the three years from 31 December 2021. The UK base rate
had been projected to fall below 0.1% over the three years
from 31 December 2020. When interest rates are higher,
the pricing response to further unexpected shifts in rates
differs from the response when rates are very low or
negative.
One-year 25 and 100-basis-point sensitivity table
The following table analyses the one-year scenarios by currency and, in addition, shows the impact over one year of a 100-basis-
point upward shift in all interest rates.
  2021  2020
Shifts in yield curve  Shifts in yield curve
 +25 -25 +100 +25 -25 +100
  basis points basis points basis points basis points basis points basis points
 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Euro 20 (3) 129 7 (6) 99
Sterling 267 (264) 969 336 (287) 1,109
US dollar 40 (33) 143 26 (22) 102
Other 2 (3) 10 2 &#x2014; 7
Total 329 (303) 1,251 371 (315) 1,317



   </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g257.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 255
Non-traded market risk continued
Sensitivity of fair value through other comprehensive income (FVOCI) and cash flow hedging reserves to interest rate
movements
NatWest Group holds most of the bonds in its liquidity portfolio at fair value. Valuation changes that are not hedged (or not in
effective hedge accounting relationships) are recognised in FVOCI reserves.
Interest rate swaps are used to implement the structural hedging programme and also hedging of some personal and commercial
lending portfolios, primarily fixed-rate mortgages. Generally, these swaps are booked in hedge accounting relationships. Changes
in the valuation of swaps that are in effective cash flow hedge accounting relationships are recognised in cash flow hedge
reserves.
The table below shows the sensitivity of FVOCI reserves and cash flow hedge reserves to a parallel shift in all rates. In this analysis,
interest rates have not been floored at zero. Cash flow hedges are assumed to be fully effective and interest rate hedges of bonds
in the liquidity portfolio are also assumed to be subject to fully effective hedge accounting. Hedge accounting ineffectiveness would
result in some deviation from the results below, with some gains or losses recognised in P&amp;L instead of reserves. Hedge
ineffectiveness P&amp;L is monitored, and the effectiveness of cash flow and fair value hedge relationships is regularly tested in
accordance with IFRS requirements. Note that a movement in the FVOCI reserve would have an impact on CET1 capital but a
movement in the cash flow hedge reserve would not be expected to do so. Volatility in both reserves affects tangible net asset
value.
  2021  2020
 +25 basis points -25 basis points +100 basis points -100 basis points +25 basis points -25 basis points +100 basis points -100 basis points
 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
FVOCI reserves (46) 45 (187) 174 (50) 48 (207) 181
Cash flow hedge reserves (210) 214 (820) 877 (108) 109 (421) 447
Total (256) 259 (1,007) 1,051 (158) 157 (628) 628

&#xF02D; The main driver of the increase in NatWest Group&#x2019;s cash flow hedge reserve sensitivity was the increase in interest rate swaps
that form part of the structural hedge. The increase in the hedge was driven by higher customer deposits during the COVID-19
pandemic.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g258.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 256
Non-traded market risk continued
Credit spread risk
Credit spread risk arises from the potential adverse economic
impact of a change in the spread between bond yields and
swap rates, where the bond portfolios are accounted at fair
value through equity.
NatWest Group&#x2019;s bond portfolios primarily comprise high-quality
securities maintained as a liquidity buffer to ensure it can
continue to meet its obligations in the event that access to
wholesale funding markets is restricted. Additionally, other high-
quality bond portfolios are held for collateral purposes and to
support payment systems.
Credit spread risk is monitored daily through sensitivities and
VaR measures. The dealing authorities in place for the bond
portfolios further mitigate the risk by imposing constraints by
duration, asset class and credit rating. Exposures and limit
utilisations are reported to senior management on a daily basis.
Foreign exchange risk
Non-traded foreign exchange risk arises from three main
sources:
&#xF02D; Structural foreign exchange rate risk &#x2013; arises from the
capital deployed in foreign subsidiaries, branches and joint
arrangements and related currency funding where it differs
from sterling.
&#xF02D; Non-trading book foreign exchange rate risk &#x2013; arises from
customer transactions and profits and losses that are in a
currency other than the functional currency.
&#xF02D; Forecast earnings or costs in foreign currencies &#x2013; NatWest
Group assesses its potential exposure to forecast foreign
currency income and expenses. NatWest Group hedges
forward some forecast expenses.


The most material non-traded open currency positions are the
structural foreign exchange exposures arising from investments
in foreign subsidiaries, branches and associates and their
related currency funding. These exposures are assessed and
managed to predefined risk appetite levels under delegated
authority agreed by the CFO with support from  the Asset &amp;
Liability Management Committee. NatWest Group seeks to limit
the potential volatility impact on its CET1 ratio from exchange
rate movements by maintaining a structural open currency
position. Gains or losses arising from the retranslation of net
investments in overseas operations are recognised in equity
reserves and reduce the sensitivity of capital ratios to foreign
exchange rate movements primarily arising from the
retranslation of non-sterling denominated RWAs. Sensitivity is
minimised where, for a given currency, the ratio of the
structural open position to RWAs equals the CET1 ratio.
The sensitivity of this ratio to exchange rates is monitored
monthly and reported to the Asset &amp; Liability Management
Committee at least quarterly. Foreign exchange exposures
arising from customer transactions are sold down by businesses
on a regular basis in line with NatWest Group policy.










Foreign exchange risk (audited)
The table below shows structural foreign currency exposures.


Structural foreign Residual
currency Structural
Net investments Net exposures foreign
in foreign investment pre -economic Economic currency
 operations hedges hedges hedges (1) exposures
2021 &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
US dollar 1,275 (260) 1,015 (1,015) &#x2014;
Euro 6,222 (2,669) 3,553 &#x2014; 3,553
Other non-sterling  990 (421) 569 &#x2014; 569
Total 8,487 (3,350) 5,137 (1,015) 4,122
2020
US dollar 1,299 (3) 1,296 (1,296) &#x2014;
Euro 6,485 (829) 5,656 &#x2014; 5,656
Other non-sterling 1,077 (350) 727 &#x2014; 727
Total 8,861 (1,182) 7,679 (1,296) 6,383

(1) Economic hedges of US dollar net investments in foreign operations represent US dollar equity securities that do not qualify as net investment hedges for accounting purposes. They
provide an offset to structural foreign exchange exposures to the extent that there are net assets in overseas operations available.

&#xF02D; The decrease in net investments in foreign operations was
partly driven by sterling strengthening against the euro.
&#xF02D; The increase in the sterling value of net investment hedges
was mainly driven by increased hedging of NatWest
Holdings&#x2019; investment in UBIDAC.
&#xF02D; During the year, NatWest Group also increased net
investment hedging in US dollar and other non-sterling
currencies to reduce the potential impact on RWAs of
changes to its regulatory foreign exchange hedging
permission.
&#xF02D; Changes in foreign currency exchange rates affect equity in
proportion to structural foreign currency exposure. For
example, a 5% strengthening or weakening in foreign
currencies against sterling would result in a gain or loss of
&#xA3;0.3 billion in equity respectively.
    </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g259.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 257
Non-traded market risk continued
Equity risk (audited)
Non-traded equity risk is the potential variation in income and reserves arising from changes in equity valuations. Equity exposures
may arise through strategic acquisitions, venture capital investments and restructuring arrangements.
Investments, acquisitions or disposals of a strategic nature are referred to the Acquisitions &amp; Disposals Committee. Once approved
by the CFO with support from the Acquisitions &amp; Disposals Committee for execution, such transactions are referred for approval to
the Board, the Executive Committee, the Chief Executive, the Chief Financial Officer or as otherwise required. Decisions to acquire
or hold equity positions in the non-trading book that are not of a strategic nature, such as customer restructurings, are taken by
authorised persons with delegated authority.
Equity positions are carried at fair value on the balance sheet based on market prices where available. If market prices are not
available, fair value is based on appropriate valuation techniques or management estimates.
The table below shows the balance sheet carrying value of equity positions in the banking book.
  2021 2020
&#xA3;m &#xA3;m
Exchange-traded equity 16 14
Private equity 160 160
Other 66 78
  242 252

The exposures may take the form of (i) equity shares listed on a recognised exchange, (ii) private equity shares defined as unlisted
equity shares with no observable market parameters or (iii) other unlisted equity shares.
  2021 2020
  &#xA3;m &#xA3;m
Net realised gains arising from disposals 8 (248)
Unrealised gains included in Tier 1 or Tier 2 capital 88 82

(1) Includes gains or losses on FVOCI instruments only.

&#xF02D; The losses on disposals in 2020 mainly reflected the disposal of SABB.

Accounting volatility risk
Accounting volatility risk arises when an exposure is accounted
for at amortised cost but economically hedged by a derivative
that is accounted for at fair value. Although this is not an
economic risk, the difference in accounting between the
exposure and the hedge creates volatility in the income
statement.

Accounting volatility can be mitigated through hedge
accounting. However, residual volatility will remain in cases
where accounting rules mean that hedge accounting is not an
option, or where there is some hedge ineffectiveness.
Accounting volatility risk is reported to the Asset &amp; Liability
Management Committee monthly and capitalised as part of the
Internal Capital Adequacy Assessment Process (ICAAP).
    </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g260.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 258
Traded market risk
Definition (audited)
Traded market risk is the risk arising from changes in fair value
on positions, assets, liabilities or commitments in trading
portfolios as a result of fluctuations in market prices.
Sources of risk (audited)
Traded market risk mainly arises from NatWest Group&#x2019;s trading
activities. These activities provide a range of financing, risk
management and investment services to clients &#x2212; including
corporations and financial institutions &#x2212; around the world. From
a market risk perspective, activities are focused on rates;
currencies; and traded credit. NatWest Group undertakes
transactions in financial instruments including debt securities,
as well as securities financing and derivatives.

All material traded market risk resides in NatWest Markets. The
key categories are interest rate risk, credit spread risk and
foreign currency price risk.
Trading activities may also give rise to counterparty credit risk.
For further detail refer to the Credit risk section.
Key developments in 2021
&#xF02D; The UK, US and eurozone economies rebounded strongly in
2021 following the rollout of COVID-19 vaccines. However,
inflation rose in H2 2021, in part due to global supply
disruptions. This led to further market volatility, particularly
in Rates, due to significant shifts in inflation expectations.
&#xF02D; Traded VaR remained within appetite, with an average-
basis year-on-year reduction driven by de-risking activity in
line with the strategic focus on RWA reduction.
Governance (audited)
Market risk policy statements set out the governance and risk
management framework. Responsibility for identifying,
measuring, monitoring and controlling market risk arising from
trading activities lies with the relevant trading business. The
Market Risk function independently advises on, monitors and
challenges the risk-taking activities undertaken by the trading
business ensuring these are within the constraints of the
market risk framework, policies, and risk appetite statements
and measures.

Risk appetite
NatWest Group&#x2019;s qualitative appetite for traded market risk is
set out in the traded market risk appetite statement.
Quantitative appetite is expressed in terms of exposure limits.
The limits at NatWest Group level comprise value-at-risk (VaR)
and stressed value-at-risk (SVaR). More details on these are
provided on the following pages.
For each trading business, a document known as a dealing
authority compiles details of all applicable limits and trading
restrictions. The desk-level mandates comprise qualitative limits
related to the product types within the scope of each desk, as
well as quantitative metrics specific to the desk&#x2019;s market risk
exposures. These additional limits and metrics aim to control
various risk dimensions such as exposure size, aged inventory,
currency and tenor.
The limits are reviewed to reflect changes in risk appetite,
business plans, portfolio composition and the market and
economic environments and recalibrated to ensure that they
remain aligned to NatWest Group RWA targets. Limit reviews
focus on optimising the alignment between traded market risk
exposure and capital usage.



To ensure approved limits are not breached and that NatWest
Group remains within its risk appetite, triggers have been set
Monitoring and mitigation
Traded market risk is identified and assessed by gathering,
analysing, monitoring and reporting market risk information at
desk, business, franchise and NatWest Group-wide levels.
Industry expertise, continued system developments and
techniques such as stress testing are also used to enhance the
effectiveness of the identification and assessment of all material
market risks.
Traded market risk exposures are monitored against limits and
analysed daily. A daily report summarising the position of
exposures against limits at desk, business, franchise and
NatWest Group levels is provided to senior management and
market risk managers across the function. Limit reporting is
supplemented with regulatory capital and stress testing
information as well as ad-hoc reporting.
A risk review of trading businesses is undertaken weekly with
senior risk and front office staff. This includes a review of profit
and loss drivers, notable position concentrations and other
positions of concern.
Business profit and loss performance is monitored
automatically through loss triggers which, if breached, require
a remedial action plan to be agreed between the Market Risk
function and the business. The loss triggers are set using both a
fall-from-peak approach and an absolute loss level. In addition,
regular updates on traded market risk positions are provided to
the Executive Risk Committee and Board Risk Committee.
Measurement
NatWest Group uses VaR, SVaR and the incremental risk
charge to measure traded market risk. Risks that are not
adequately captured by VaR or SVaR are captured by the Risks
Not In VaR (RNIV) framework to ensure that NatWest Group is
adequately capitalised for market risk. In addition, stress testing
is used to identify any vulnerabilities and potential losses.
The key inputs into these measurement methods are market
data and risk factor sensitivities. Sensitivities refer to the
changes in trade or portfolio value that result from small
changes in market parameters that are subject to the market
risk limit framework. Revaluation ladders are used in place of
sensitivities to capture the impact of large moves in risk factors
or the joint impact of two risk factors.
These methods have been designed to capture correlation
effects and allow NatWest Group to form an aggregated view
of its traded market risk across risk types, markets and
business lines while also taking into account the characteristics
of each risk type.
Value-at-risk
For internal risk management purposes, VaR assumes a time
horizon of one trading day and a confidence level of 99%.
The internal VaR model &#x2013; which captures all trading book
positions including those products approved by the regulator &#x2013;
is based on a historical simulation, utilising market data from
the previous 500 days on an equally-weighted basis.
such that if exposures exceed a specified level, action plans are
developed by the relevant business and the Market Risk
function and implemented. For more detail on risk appetite and
risk controls, refer to pages 176 and 177 of this document. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g261.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 259
Traded market risk continued
The model also captures the potential impact of interest rate
risk; credit spread risk; foreign currency price risk; equity price
risk; and commodity price risk.
When simulating potential movements in such risk factors, a
combination of absolute, relative and rescaled returns is used.
The performance and adequacy of the VaR model are tested
regularly through the following processes:
&#xF02D; Back-testing: Internal and regulatory back-testing is
conducted on a daily basis. (Information on internal back-
testing is provided in this section. Information on regulatory
back-testing appears in the Pillar 3 Report).

&#xF02D; Ongoing model validation: VaR model performance is
assessed both regularly, and on an ad-hoc basis, if market
conditions or portfolio profile change significantly.


One-day 99% traded internal VaR

Traded VaR (1-day 99%) (audited)
The table below shows one-day 99% internal VaR for NatWest Group&#x2019;s trading portfolios, split by exposure type.
 2021   2020
  Average Maximum Minimum Period end Average Maximum Minimum Period end
&#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Interest rate 10.4 25.3 4.5 8.9 8.7 20.2 4.8 6.3
Credit spread 11.3 13.4 9.4 10.7 15.3 27.2 8.7 10.3
Currency 3.4 9.4 1.7 2.2 4.2 8.4 2.1 3.0
Equity 0.4 0.8 &#x2014; 0.2 0.6 2.0 0.2 0.7
Commodity 0.1 0.5 &#x2014; &#x2014; 0.1 0.6 &#x2014; 0.2
Diversification (1) (12.3) (10.5) (12.8) (10.3)
Total 13.3 23.9 9.3 11.5 16.1 25.7 10.1 10.2

(1)  NatWest Group benefits from diversification across various financial instrument types, currencies and markets. The extent of the diversification benefit depends on the correlation
between the assets and risk factors in the portfolio at a particular time. The diversification factor is the sum of the VaR on individual risk types less the total portfolio VaR.

&#xF02D; Traded VaR increased in the first half of 2021 reflecting a
rise in tenor basis risk in sterling flow trading. This related
to the transition from LIBOR to alternative risk-free rates.
&#xF02D; A regulator-approved update to the VaR model was applied
in the second half of the year, to address the impact of this
transition.
&#xF02D; On an average basis, traded VaR decreased in 2021
compared to 2020. This was driven by de-risking activity in
line with the strategic focus on RWA reduction.




0
5
10
15
20
25
30
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
&#xA3;m
Total Trading VaR Interest Rate VaR Credit VaR FX VaR Equity VaR Commodity VaR
&#xF02D; Model Risk Management review: As part of the model
lifecycle, all risk models (including the VaR model) are
independently reviewed to ensure the model is still fit for
purpose given current market conditions and portfolio
profile. For further detail on the independent model
validation carried out by Model Risk Management refer to
page 268 of this document. More information relating to
pricing and market risk models is presented in the Pillar 3
Report. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g262.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 260
Traded market risk
VaR back-testing
The main approach employed to assess the VaR model&#x2019;s
ongoing performance is back-testing, which counts the number
of days when a loss exceeds the corresponding daily VaR
estimate, measured at a 99% confidence level.


Two types of profit and loss (P&amp;L) are used in back-testing
comparisons: Actual P&amp;L and Hypothetical P&amp;L. For more
details on the back-testing approach, refer to the Pillar 3
Report.

The table below shows internal back-testing exceptions in the major NatWest Markets businesses for the 250-business-day period
to 31 December 2021. Internal back-testing compares one-day 99% traded internal VaR with Actual and Hypothetical (Hypo) P&amp;L.
        Back-testing exceptions
Actual Hypo
Rates 1 2
Currencies 1 1
Credit &#x2014; &#x2014;
xVA &#x2014; &#x2014;

&#xF02D; The exceptions in the Rates business were mainly driven by
market moves in sterling, euro and US dollar rates.
&#xF02D; The exceptions in the Currencies business were mainly
driven by market moves related to the Turkish lira.

Stressed VaR (SVaR)
As with VaR, the SVaR methodology produces estimates of the potential change in the market value of a portfolio, over a specified
time horizon, at a given confidence level. SVaR is a VaR-based measure using historical data from a one-year period of stressed
market conditions.
A simulation of 99% VaR is run on the current portfolio for each 250-day period from 2005 to the current VaR date, moving
forward one day at a time. The SVaR is the worst VaR outcome of the simulated results.
This is in contrast with VaR, which is based on a rolling 500-day historical data set. A time horizon of ten trading days is assumed
with a confidence level of 99%.
The internal traded SVaR model captures all trading book positions.
  2021  2020
 Average Maximum Minimum Period end Average Maximum Minimum Period end
  &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m &#xA3;m
Total internal traded SVaR 95 175 46 66 97 196 59 87

&#xF02D; Traded SVaR increased in the first half of 2021, reflecting a
rise in tenor basis risk in sterling flow trading. This related
to the transition from LIBOR to alternative risk-free rates.

&#xF02D; Traded SVaR subsequently decreased in the second half of
the year following changes to the treatment of tenor basis
risk in the VaR model.

Risks Not In VaR (RNIVs)
The RNIV framework is used to identify and quantify market
risks that are not fully captured by the internal VaR and SVaR
models.
RNIV calculations form an integral part of ongoing model and
data improvement efforts to capture all market risks in scope
for model approval in VaR and SVaR.
For further qualitative and quantitative disclosures on RNIVs,
refer to the Market risk section of the Pillar 3 Report.

Incremental risk charge (IRC)
The IRC model quantifies the impact of rating migration and
default events on the market value of instruments with
embedded credit risk (in particular, bonds and credit default
swaps) held in the trading book. It further captures basis risk
between different instruments, maturities and reference
entities. For further qualitative and quantitative disclosures on
the IRC, refer to the Market risk section of the Pillar 3 Report.


Stress testing
For information on stress testing, refer to page 177 of this
document.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g263.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 261
Market risk &#x2013; linkage to balance sheet
The table below analyses NatWest Group&#x2019;s balance sheet by non-trading and trading business.
  2021

2020


    Non -trading Trading   Non-trading Trading
 Total business business Total business business
  &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn &#xA3;bn   Primary market risk factor
Assets
Cash and balances at central
banks
177.8 177.8 &#x2014; 124.5 124.5 &#x2014; Interest rate
Trading assets 59.2 0.7 58.5 69.0 0.3 68.7

  Reverse repos 20.7 &#x2014; 20.7 19.4 &#x2014; 19.4 Interest rate
  Securities 25.0 &#x2014; 25.0 29.2 &#x2014; 29.2 interest rate, credit spreads, equity
  Other 13.5 0.7 12.8 20.4 0.3 20.1 Interest rate
Derivatives 106.1 1.6 104.5 166.5 2.3 164.2 Interest rate, credit spreads, equity
Settlement balances 2.1 0.2 1.9 2.3 0.1 2.2 Settlement
Loans to banks 7.7 7.6 0.1 7.0 6.9 0.1 Interest rate
Loans to customers 359.0 358.9 0.1 360.5 360.4 0.1 Interest rate
Other financial assets 46.1 46.1 &#x2014; 55.1 55.1 &#x2014; Interest rate, credit spreads, equity
Intangible assets 6.7 6.7 &#x2014; 6.7 6.7 &#x2014; Interest rate, credit spreads, equity
Other assets 8.3 8.3 &#x2014; 7.9 7.9 &#x2014;

Assets of disposal groups 9.0 9.0 &#x2014; &#x2014; &#x2014; &#x2014;

Total assets 782.0 616.9 165.1 799.5 564.2 235.3



Liabilities

Bank deposits 26.3 26.3 &#x2014; 20.6 20.6 &#x2014; Interest rate
Customer deposits 479.8 479.8 &#x2014; 431.7 431.7 &#x2014; Interest rate
Settlement balances 2.1 &#x2014; 2.1 5.5 3.3 2.2 Settlement
Trading liabilities 64.6 0.1 64.5 72.3 &#x2014; 72.3

  Repos 19.4 &#x2014; 19.4 19.0 &#x2014; 19.0 Interest rate
  Short positions 25.0 &#x2014; 25.0 26.8 &#x2014; 26.8 Interest rate, credit spreads
  Other 20.2 0.1 20.1 26.5 &#x2014; 26.5 Interest rate
Derivatives 100.8 3.6 97.2 160.7 5.2 155.5 Interest rate, credit spreads
Other financial liabilities 49.3 48.9 0.4 45.8 45.1 0.7 Interest rate
Subordinated liabilities 8.4 8.4 &#x2014; 10.0 10.0 &#x2014; Interest rate
Notes in circulation 3.0 3.0 &#x2014; 2.7 2.7 &#x2014; Interest rate
Other liabilities 5.9 5.9 &#x2014; 6.4 6.4 &#x2014;

Total liabilities 740.2 576.0 164.2 755.7 525.0 230.7


(1) Non-trading businesses are entities that primarily have exposures that are not classified as trading book. For these exposures, with the exception of pension-related activities, the
main measurement methods are sensitivity analysis of net interest income, internal non-traded VaR and fair value calculations. For more information refer to the non-traded market
risk section.
(2) Trading businesses are entities that primarily have exposures that are classified as trading book under regulatory rules. For these exposures, the main methods used by NatWest
Group to measure market risk are detailed in the traded market risk section.
(3) Foreign exchange risk affects all non-sterling denominated exposures on the balance sheet across trading and non-trading businesses, and therefore has not been listed in the
above tables.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g264.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 262
Pension risk
Definition
Pension risk is the risk to NatWest Group caused by its
contractual or other liabilities to, or with respect to, a pension
scheme (whether established for its employees or those of a
related company or otherwise). It is also the risk that NatWest
Group will make payments or other contributions to, or with
respect to, a pension scheme because of a moral obligation or
because NatWest Group considers that it needs to do so for
some other reason.
Sources of risk
Pension scheme liabilities vary with changes in long-term
interest rates and inflation as well as with pensionable salaries,
the longevity of scheme members and legislation. Pension
scheme assets vary with changes in interest rates, inflation
expectations, credit spreads, exchange rates, and equity and
property prices. NatWest Group is exposed to the risk that the
schemes&#x2019; assets, together with future returns and additional
future contributions, are estimated to be insufficient to meet
liabilities as they fall due. In such circumstances, NatWest
Group could be obliged (or might choose) to make additional
contributions to the schemes or be required to hold additional
capital to mitigate this risk.
Key developments in 2021
&#xF02D; There were no material changes to NatWest Group&#x2019;s
exposure to pension risk during the year, and the overall
position of the main defined benefit schemes that NatWest
Group sponsors has improved.
&#xF02D; The triennial actuarial valuation for the Main section, with
an effective date of 31 December 2020, was completed on
14 December 2021. As the Main section was in surplus at
this date, no deficit repair contributions were required,
although there was a small increase in the level of
contributions in relation to ongoing accrual of benefits.
&#xF02D; In line with the Memorandum of Understanding signed with
the Trustee of the Main section in April 2018, a &#xA3;500 million
lump sum contribution was paid into the Main section,
following the share buyback in 2021.
&#xF02D; NatWest Group has exposure to a number of defined
benefit pension schemes in the Republic of Ireland.
Following the announcement to commence a phased
withdrawal from the Republic of Ireland, an agreement was
reached with each of the schemes&#x2019; Trustees, on a
timeframe for discussions on the future support
arrangements for the schemes on completion of the phased
withdrawal, with all parties sharing the objective of having
new support arrangements in place by the end of 2022.
&#xF02D; Following the changes to Ulster Bank Limited, it no longer
participates in any of NatWest Group&#x2019;s defined benefit
pension schemes. In particular, NatWest Bank Plc assumed
responsibility as Principal Employer and the only
participating employer in The Ulster Bank Pension Scheme
in Northern Ireland. This will not affect NatWest Group&#x2019;s
overall exposure to the Scheme.
&#xF02D; As part of the transition of framework components to align
to the requirements of the NatWest Group enterprise-wide
risk management framework, an updated pension risk
policy and risk appetite statement were developed in 2021.

Governance
Chaired by the Chief Financial Officer, the Group Asset &amp;
Liability Management Committee is a key component of
NatWest Group&#x2019;s approach to managing pension risk. It
considers the pension impact of the capital plan for NatWest
Group and reviews performance of NatWest Group&#x2019;s material
pension funds and other issues material to NatWest Group&#x2019;s
pension strategy. It also considers investment strategy
proposals from the Trustee of the Main section.
Risk appetite
NatWest Group maintains an independent view of the risk
inherent in its pension funds. NatWest Group has an annually
reviewed pension risk appetite statement incorporating defined
metrics against which risk is measured.
Policies and standards are in place to provide formal controls
for pension risk reporting, modelling, governance and stress
testing. A pension risk policy, which sits within the NatWest
Group enterprise-wide risk management framework, is also in
place and is subject to associated framework controls.
Monitoring and measurement
Pension risk is monitored by the Executive Risk Committee and
the Board Risk Committee by way of the monthly Risk
Management Report.
NatWest Group also undertakes stress tests on its material
defined benefit pension schemes each year. These tests are
also used to satisfy the requests of regulatory bodies such as
the Bank of England.
The stress testing framework includes pension risk capital
calculations for the purposes of the Internal Capital Adequacy
Assessment Process as well as additional stress tests for a
number of internal management purposes. The results of the
stress tests and their consequential impact on NatWest Group&#x2019;s
balance sheet, income statement and capital position are
incorporated into the overall NatWest Group stress test results.
NatWest Bank Plc (a subsidiary of NatWest Group) is the
principal employer of the Main section and could be required to
fund any deficit that arises.
Mitigation
Following risk mitigation measures taken by the Trustee in
recent years, the Main section is now well protected against
interest rate and inflation risks and is being run on a low
investment risk basis with relatively small equity risk
exposure. The Main section also uses derivatives to manage the
allocation of the portfolio to different asset classes and to
manage risk within asset classes.

The potential impact of climate change is one of the factors
considered in managing the assets of the Main section. The
Trustee monitors the risk to its investments from changes in the
global economy and invests, where return justifies the risk, in
sectors that reduce the world&#x2019;s reliance on fossil fuels, or that
may otherwise promote environmental benefits. Further details
regarding the Main section Trustee&#x2019;s approach to managing
climate change risk can be found in its Responsible Ownership
Policy and its net zero commitment. The Trustee has reported in
 line with the Task Force on Climate-related Financial
Disclosures in its Annual Report on Form 20-F.
For  further  information  on  governance,  refer  to  page
174  of  this document.  NatWest Group has exposure to pension risk through its
defined benefit schemes worldwide. The Main section of The
NatWest Group Pension Fund (the Main section) is the largest
source of pension risk with &#xA3;52.0 billion of assets and &#xA3;42.0
billion of liabilities at 31 December 2021 (2020 &#x2013; &#xA3;51.3 billion of
assets and &#xA3;43.9 billion of liabilities). Refer to Note 5 to the
consolidated financial statements in the Annual Report on
Form 20-F, for further details on NatWest Group&#x2019;s pension
obligations, including sensitivities to the main risk factors. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g265.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 263
Compliance &amp; conduct risk
Definition
Compliance risk is the risk that the behaviour of NatWest Group
towards customers fails to comply with laws, regulations, rules,
standards and codes of conduct. Such a failure may lead to
breaches of regulatory requirements, organisational standards
or customer expectations and could result in legal or regulatory
sanctions, material financial loss or reputational damage.
Conduct risk is the risk that the conduct of NatWest Group and
its subsidiaries and its staff towards customers &#x2013; or in the
markets in which it operates &#x2013; leads to unfair or inappropriate
customer outcomes and results in reputational damage,
financial loss or both.
Sources of risk
Key developments in 2021
&#xF02D; A new Ring-Fencing Hub was set up to provide an
aggregated view of ring-fencing compliance and risk
management. Oversight of the work to complete NatWest
Group&#x2019;s attestation of compliance was also a key focus.
&#xF02D; Risk appetite statements and measures were updated with
an enhanced focus to provide better visibility of key risks
across NatWest Group.
&#xF02D; Delivered a digital platform to facilitate risk-based rules
mapping to regulatory obligations. This will enable more
efficient management of regulatory compliance matters and
support intelligent risk taking.
&#xF02D; Continued collaboration across NatWest Group to deliver
good customer outcomes with a focus on enhancing
forbearance strategies.
&#xF02D; There was ongoing monitoring and mitigation of elevated
conduct risks resulting from the phased withdrawal from
the Republic of Ireland including data-driven risk profile
reporting.
&#xF02D; Oversight and management of major compliance
programmes including work to upgrade NatWest Group&#x2019;s
internal ratings based approach for credit risk in order to
build better outcomes for customers.
&#xF02D; Provided strategic oversight and advice to NatWest Group&#x2019;s
LIBOR transition programme.
Governance
NatWest Group defines appropriate standards of compliance
and conduct and ensures adherence to those standards
through its risk management framework. Relevant compliance
and conduct matters are escalated through Executive Risk
Committee and Board Risk Committee.

Risk appetite
Risk appetite for compliance and conduct risks is set at Board
level. Risk appetite statements articulate the levels of risk that
legal entities, businesses and functions work within when
pursuing their strategic objectives and business plans. A range
of controls is operated to ensure the business delivers good
customer outcomes and is conducted in accordance with legal
and regulatory requirements. A suite of policies addressing
compliance and conduct risks set appropriate standards across
NatWest Group. Examples of these include the Complaints

Management Policy, Client Assets &amp; Money Policy, and Product
Lifecycle Policy as well as policies relating to customers in
vulnerable situations, cross-border activities and market abuse.
Continuous monitoring and targeted assurance is carried out as
appropriate.
Monitoring and measurement
Compliance and conduct risks are measured and managed
through continuous assessment and reporting to NatWest
Group&#x2019;s senior risk committees and at Board level. The
compliance and conduct risk framework facilitates the
consistent monitoring and measurement of compliance with
laws and regulations and the delivery of consistently good
customer outcomes. The first line of defence is responsible for
effective risk identification, reporting and monitoring, with
oversight, challenge and review by the second line. Compliance
and conduct risk management is also integrated into NatWest
Group&#x2019;s strategic planning cycle.
Mitigation
Activity to mitigate the most-material compliance and conduct
risks is carried out across NatWest Group with specific areas of
focus in the customer-facing businesses and legal entities.
Examples of mitigation include consideration of customer needs
in business and product planning, targeted training, complaints
management, as well as independent monitoring activity.
Internal policies help support a strong customer focus across
NatWest Group. Independent assessments of compliance with
applicable regulations are also carried out at a legal entity
level.
Financial crime risk
Definition
Financial crime risk is presented by criminal activity in the form
of money laundering, terrorist financing, bribery and
corruption, sanctions and tax evasion, as well as fraud risk
management.
Sources of risk
Financial crime risk may be presented if NatWest Group&#x2019;s
customers, employees or third parties undertake or facilitate
financial crime, or if NatWest Group&#x2019;s products or services are
used to facilitate such crime. Financial crime risk is an inherent
risk across all lines of business.
Key developments in 2021
&#xF02D; While work continues to enhance the control environment
relating to financial crime risk, operational weaknesses
between 2012 and 2016 resulted in the inadequate
monitoring of a UK incorporated customer. NatWest Group
co-operated fully with the regulator&#x2019;s investigation into this
case and, in October 2021, NWB Plc pleaded guilty to three
breaches of the Money Laundering Regulations 2007.
&#xF02D; Significant investment continued to be made to support
delivery of the multi-year transformation plan across
financial crime risk management.
&#xF02D; Enhancements were made to technology and data analytics
to improve the effectiveness of systems used to monitor
customers and transactions.
&#xF02D; A new financial crime and fraud goal was introduced for
NatWest Group&#x2019;s most senior 150 employees to further
embed financial crime risk management culture,
behaviours, and accountabilities.

Compliance and conduct risks exist across all stages of
NatWest Group&#x2019;s relationships with its customers and arise
from a variety of activities including product design, marketing
and sales, complaint handling, staff training, and handling of
confidential inside information. As set out in Note 27 to the
consolidated financial statements in the Annual Report on
Form 20-F, members of NatWest Group are party to legal
proceedings and are subject to investigation and other
regulatory action in the UK, the US and other jurisdictions.  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g266.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 264
Financial crime risk continued
Governance
The Financial Crime Executive Steering Group, which is jointly
chaired by the Chief Risk Officer and the Chief Administrative
Officer, is the core governance committee for financial crime
(excluding fraud). It oversees financial crime risk management,
operational performance, and transformation matters including
decision-making and escalations to Executive Risk Committee,
Board Risk Committee and NatWest Group Executive
Committee.
Risk appetite
There is no appetite to operate in an environment where
systems and controls do not enable the identification,
assessment, monitoring, management and mitigation of
financial crime risk. NatWest Group&#x2019;s systems and controls
must be comprehensive and proportionate to the nature, scale
and complexity of its businesses. There is no tolerance to
systematically or repeatedly breach relevant financial crime
regulations and laws.
NatWest Group operates a framework of preventative and
detective controls designed to mitigate the risk that it could
facilitate financial crime. These controls are supported by a
suite of policies, procedures and guidance to ensure they
operate effectively.
Monitoring and measurement
Financial crime risks are identified and reported through
continuous risk management and regular reporting to NatWest
Group&#x2019;s senior risk committees and the NatWest Group Board.
Quantitative and qualitative data is reviewed and assessed to
measure whether financial crime risk is within risk appetite.
Mitigation
Through the financial crime framework, relevant policies,
systems, processes and controls are used to mitigate and
manage financial crime risk. This includes the use of dedicated
screening and monitoring systems and controls to identify
people, organisations, transactions and behaviours that may
require further investigation or other actions. Centralised
expertise is available to detect and disrupt threats to NatWest
Group and its customers. Intelligence is shared with law
enforcement, regulators and government bodies to strengthen
national and international defences against those who would
misuse the financial system for criminal motives.
Climate risk
Definition
Climate risk is the threat of financial loss or adverse non-
financial impacts associated with climate change and the
political, economic and environmental responses to it.
Sources of risk
Physical risks may arise from climate and weather-related
events such as heatwaves, droughts, floods, storms and sea
level rises. They can potentially result in financial losses,
impairing asset values and the creditworthiness of borrowers.
NatWest Group could be exposed to physical risks directly by
the effects on its property portfolio and, indirectly, by the
impacts on the wider economy as well as on the property and
business interests of its customers.
Transition risks may arise from the process of adjustment
towards a low-carbon economy. Changes in policy, technology
and sentiment could prompt reassessment of customers&#x2019;
financial risk and may lead to falls in the value of a large range
of assets. NatWest Group could be exposed to transition risks


directly through the costs of adaptation within economic
sectors and markets as well as supply chain disruption leading
to financial impacts on it and its customers. Potential indirect
effects include the erosion of NatWest Group&#x2019;s competitiveness,
profitability, or reputation damage.
Key developments in 2021
&#xF02D; A principles-based climate risk policy was approved by the
Board Risk Committee and introduced in April 2021.
&#xF02D; In December 2021, the Board approved a number of first-
generation quantitative climate risk appetite measures.
These will enable reporting of climate risk appetite and link
business-as-usual risk management to NatWest Group&#x2019;s
strategic goals and priorities.
&#xF02D; NatWest Group participated in the Bank of England&#x2019;s
Climate Biennial Exploratory Scenario (CBES) exercise. In
doing so, NatWest Group&#x2019;s capabilities regarding climate
scenario analysis were strengthened in 2021 with increased
coverage across the balance sheet.
&#xF02D; A new Climate Centre of Excellence was established to
provide strategic horizon scanning, guidance and specialist
climate expertise across NatWest Group.
&#xF02D; Wholesale credit risk: qualitative assessment of climate risk
was made mandatory for the majority of the Wholesale
portfolio. This was supported by enhancements to
Transaction Acceptance Standards (TAS) criteria, with the
inclusion of sector-specific climate considerations for the
heightened risk sectors and generic climate considerations
for all other TAS documents.
&#xF02D; Personal credit risk: operational measures were developed.
These will help to monitor the performance of the Personal
mortgage portfolio.
Governance
The Board is responsible for monitoring and overseeing
climate-related risk within NatWest Group&#x2019;s overall business
strategy and risk appetite. The potential impact, likelihood and
preparedness of climate-related risk is reported regularly to the
Board Risk Committee and the Board.
The Chief Risk Officer shares accountability with the CEO
under the Senior Managers and Certification Regime for
identifying and managing the financial risks arising from
climate change. This includes ensuring that the financial risks
from climate change are adequately reflected in risk
management frameworks, and that NatWest Group can
identify, measure, monitor, manage, and report on its exposure
to these risks.
The Climate Change Executive Steering Group is responsible
for overseeing the direction of and progress against NatWest
Group&#x2019;s climate-related commitments. During 2021, the
Executive Steering Group focused on overseeing the Group
Climate Change Programme (GCCP), which was tasked with
continuing to deliver both NatWest Group&#x2019;s climate strategy
and the climate-related mandatory change agenda. The GCCP
will close and transition activity into business-as-usual
operations across NatWest Group&#x2019;s franchises and functions.
The Executive Steering Group will continue to supervise
strategic implementation and delivery, supported by the
Climate Centre of Excellence.
Risk appetite
NatWest Group&#x2019;s ambition is to be a leading bank in the UK in
helping to address climate change. The climate ambition is
underpinned by activity to reduce the climate impact of
financing activity by at least 50% by 2030 and to do what is
necessary to achieve alignment with the 2015 Paris Agreement. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g267.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 265
Climate risk continued
Work continued in 2021 to integrate climate-related risk into
the risk management framework, including the development of
appropriate risk appetite metrics. In December 2021, the
NatWest Group Board approved the adoption of three first-
generation climate risk appetite measures into the enterprise-
wide risk management framework, for integration into
business-as-usual risk management.
Combined with franchise specific operational limits, this suite of
metrics will enable reporting of climate risk appetite to senior
risk management forums and links risk management to
NatWest Group&#x2019;s strategic goals and priorities.
Monitoring and measurement
NatWest Group has focused on developing the capabilities to
use scenario analysis to identify the most material climate risks
and opportunities for its customers, seeking to harness insights
to inform risk management practices and maximise the
opportunities arising from a transition to a low carbon
economy.
Scenario analysis allows NatWest Group to test a range of
possible future climate pathways and understand the nature
and magnitude of the risks they present. The purpose of
scenario analysis is not to forecast the future but to understand
and prepare to manage risks that could arise.
In 2021, activity was dominated by the Bank of England&#x2019;s CBES
exercise. In accordance with Bank of England guidance,
NatWest Group used three scenarios as the foundation for its
analysis. These were broadly consistent with scenarios
published by the Network of Central Banks and Supervisors for
Greening the Financial System:
No Additional Action: no new policy action takes place to
reduce greenhouse gas emissions. This leads to more than 3&#xB0;C
of warming and severe physical risks. The frequency and
severity of extreme weather events such as flooding and
tropical cyclones increases, and there are chronic changes in
labour and land productivity.
Early Action: global temperature increases are limited to 1.5&#xB0;C
by 2100 as a result of stringent climate policies and innovation
starting in 2021. Carbon prices increase steadily between 2021-
2050, which drives significant decarbonisation. Coal use falls by
98% between 2021 and 2050, and the share of low-carbon
energy in the global energy mix increases from 17% to 73%
over the same period. Global CO2 emissions reach net zero
around 2050.
Late Action: strong climate policies successfully limit warming
to 1.8&#xB0;C by 2100, but decisive policy action is delayed until
2031. Carbon prices increase rapidly between 2031-2050.
Global greenhouse gas emissions fall by 80% between 2030 and
2050 leading to a higher level of transition risk during the
period.
In 2021 for the CBES, NatWest Group applied these three
climate scenarios to quantify climate risk across its balance
sheet, including the full portfolio of wholesale customers and its
entire UK commercial real estate and residential (retail)
mortgage portfolio.
To ensure that climate risk is factored into the capital planning
and budgeting process, NatWest Group is leveraging the CBES
scenarios and analytics to support the business-as-usual
scenario analysis processes, for example the base case is
consistent with the Early Action CBES scenario. In addition,
climate risks consistent with the Late Action CBES scenario
have been integrated into one of the Internal Capital Adequacy
Assessment Process scenarios.

NatWest Group regularly considers existing and emerging
regulatory requirements related to climate change. It continues
to participate in several industry-wide initiatives to develop
consistent risk measurement methodologies. NatWest Group is
a founding signatory of the United Nations Environment
Programme Finance Initiative Principles for Responsible
Banking, which aims to promote sustainable finance around the
globe. In addition, NatWest Group is also represented on the
Climate Financial Risk Forum established by the PRA and FCA
to shape the financial service industry&#x2019;s response to the
challenges posed by climate risk.
Operational risk
Definition
Operational risk is the risk of loss resulting from inadequate or
failed internal processes, people and systems, or external
events. It arises from day-to-day operations and is relevant to
every aspect of the business.
Sources of risk
Operational risk may arise from a failure to manage operations,
systems, transactions and assets appropriately. This can take
the form of human error, an inability to deliver change
adequately or on time, the non-availability of technology
services, or the loss of customer data. Systems failure, theft of
NatWest Group property, information loss and the impact of
natural, or man-made, disasters &#x2013; as well as the threat of cyber
attacks &#x2013; are sources of operational risk. Operational risk can
also arise from a failure to account for changes in law or
regulations or to take appropriate measures to protect assets.
Key developments in 2021
&#xF02D; Aligned to the implementation of the enterprise-wide risk
management framework, a new operational risk policy was
approved in April 2021. The new policy sets out the
qualitative expectations, guidance and standards that
stipulate the nature and extent of permissible risk-taking for
operational risk.
&#xF02D; Operational risk appetite was enhanced using a quantitative
modelling approach to determine a meaningful quantitative
expression of the maximum level of operational risk
NatWest Group is willing to accept.
&#xF02D; Oversight of NatWest Group&#x2019;s transformation agenda &#x2013;
particularly in relation to the second-order impacts of
COVID-19 &#x2013; remained a significant area of focus with
activity being closely monitored and managed to protect
key regulatory deliveries.
&#xF02D; There was also a continued focus on operational resilience
to ensure planning, controls and operational activities
remained robust and appropriate, with continuing attention
on the potential operational risks arising from changes in
working practices.
&#xF02D; The security threat and the potential for cyber-attacks on
NatWest Group and its supply chain continue to be closely
monitored. During 2021, there was further investment in
NatWest Group&#x2019;s defences in response to the evolving
threat. There was also continuing focus on assuring the
security of the supply chain.
&#xF02D; There was sustained focus on reducing the risks associated
with data use, particularly in terms of assuring data quality.
This was aligned to the NatWest Group data strategy,
designed to identify and implement enhancements to the
effective use of data across NatWest Group.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g268.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 266
Operational risk continued
Governance
The risk governance arrangements in place for operational risk
are aligned to the requirements set out in the Board approved
enterprise-wide risk management framework and are
consistent with achieving safety, soundness and sustainable
risk outcomes.
Aligned to this, a strong operational risk management oversight
function is vital to support NatWest Group&#x2019;s ambitions to serve
its customers better. Improved management of operational risk
against defined appetite is vital for stability and reputational
integrity.
Risk appetite
Operational risk appetite supports effective management of all
operational risks. It expresses the level and types of operational
risk NatWest Group is willing to accept to achieve its strategic
objectives and business plans. NatWest Group&#x2019;s operational risk
appetite statement encompasses the full range of operational
risks faced by its legal entities, businesses and functions.
Mitigation
The Control Environment Certification (CEC) process is a half-
yearly self-assessment by the CEOs of NatWest Group&#x2019;s
principal businesses, functions and legal entities. It provides a
consistent and comparable view on the adequacy and
effectiveness of the internal control environment.
CEC covers material risks and the underlying key controls,
including financial, operational and compliance controls, as well
as supporting risk management frameworks. The CEC
outcomes, including forward-looking assessments for the next
two half-yearly cycles and progress on control environment
improvements, are reported to Group Audit Committee and
Board Risk Committee. They are also shared with external
auditors.
Risks are mitigated by applying key preventative and detective
controls, an integral step in the risk assessment methodology
which determines residual risk exposure. Control owners are
accountable for the design, execution, performance and
maintenance of key controls. Key controls are regularly
assessed for adequacy and tested for effectiveness. The results
are monitored and, where a material change in performance is
identified, the associated risk is re-evaluated.

Monitoring and measurement
Risk and control assessments are used across all business
areas and support functions to identify and assess material
operational and conduct risks and key controls. All risks and
controls are mapped to NatWest Group&#x2019;s Risk Directory. Risk
assessments are refreshed at least annually to ensure they
remain relevant and capture any emerging risks and also
ensure risks are reassessed.
The process is designed to confirm that risks are effectively
managed in line with risk appetite. Controls are tested at the
appropriate frequency to verify that they remain fit-for-purpose
and operate effectively to reduce identified risks.
NatWest Group uses the standardised approach to calculate its
Pillar 1 operational risk capital requirement. This is based on
multiplying three years&#x2019; average historical gross income by
coefficients set by the regulator based on business line. As part
of the wider Internal Capital Adequacy Assessment Process an
operational risk economic capital model is used to assess Pillar
2A, which is a risk-sensitive add-on to Pillar 1. The model uses
historical loss data (internal and external) and forward-looking
scenario analysis to provide a risk-sensitive view of NatWest
Group&#x2019;s Pillar 2A capital requirement.
Scenario analysis is used to assess how severe but plausible
operational risks will affect NatWest Group. It provides a
forward-looking basis for evaluating and managing operational
risk exposures.
Refer to the Capital, liquidity and funding risk section for
operational risk capital requirement figures.
Operational resilience
NatWest Group manages and monitors operational resilience
through its risk and control assessment methodology. This is
underpinned by setting and monitoring risk indicators and
performance metrics for key business services. Progress
continues on the response to regulator expectations on
operational resilience, with involvement in a number of
industry-wide operational resilience forums. This enables a
more holistic view of the operational resilience risk profile and
the pace of ongoing innovation and change, both internally and
externally.

The CEC process helps to ensure compliance with the NatWest
Group Policy Framework, Sarbanes-Oxley 404 requirements
concerning internal control over financial reporting (as
referenced in the Compliance report on page 165 of this
document), and certain requirements of the UK Corporate
Governance Code. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g269.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 267
Operational risk continued
Event and loss data management
The operational risk event and loss data management process
ensures NatWest Group captures and records operational risk
financial and non-financial events that meet defined criteria.
Loss data is used for regulatory and industry reporting and is
included in capital modelling when calculating economic capital
for operational risk. The most serious events are escalated in a
simple, standardised process to all senior management, by way
of an Early Event Escalation Process.
All financial impacts and recoveries associated with an
operational risk event are reported against the date they were
recorded in NatWest Group&#x2019;s financial accounts. A single event
can result in multiple losses (or recoveries) that may take time
to crystallise. Losses and recoveries with a financial accounting
date in 2021 may relate to events that occurred, or were
identified in, prior years. NatWest Group purchases insurance
against specific losses and to comply with statutory or
contractual requirements.

Percentage and value of events
At 31 December 2021, events aligned to the clients, products
and business practices event category accounted for 80% of
NatWest Group&#x2019;s operational risk losses, which reflected a
significant increase on 2020. In 2020, several large provision
releases were recorded (that is, previously recorded provisions
were released back to cashflow as they were no longer
required). The value of these outweighed the provisions taken
for other conduct-related matters, hence a negative movement
was recorded in the clients, products and business practices
category.


Value of events   Volume of events (1)
&#xA3;m   Proportion   Proportion
2021 2020 2021 2020 2021 2020
Fraud 74 85 17% 82% 87% 81%
Clients, products and business practices  341 (68) 80% (66%) 3% 7%
Execution, delivery and process management 8 15 2% 15% 7% 8%
Employment practices and workplace safety 2 2 &#x2014; 2% 2% 2%
Technology and infrastructure failures 3 70 1% 68% 1% 2%
Disasters and public safety &#x2014; (1) &#x2014; (1%) &#x2014; &#x2014;
  428 103 100% 100% 100% 100%

(1) Based on the volume and value of events (the proportion and cost of operational risk events to NatWest Group) where the associated loss is more than or equal to &#xA3;10,000.
 </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g270.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 268
Model risk
Definition
Model risk is the potential for adverse consequences arising
from inaccurate financial assessments or decisions made as a
result of incorrect or misused model outputs and reports.
NatWest Group defines a model as a quantitative method,
system, or approach that applies statistical, economic, financial,
accounting, mathematical or data science theories, techniques
and assumptions to process input data into quantitative
estimates.
Sources of risk
NatWest Group uses a variety of models in the course of its
business activities. Examples include the use of model outputs to
support customer decisioning, measuring and assessing risk
exposures (including credit, market, and climate risk), as well as
calculating regulatory capital and liquidity requirements. Model
applications may give rise to different risks depending on the
franchise in which they are used. Model risk is therefore
assessed separately for each franchise in addition to the overall
assessment made for NatWest Group.
Key developments in 2021
&#xF02D; Improvements to models were made in 2021 resulting in a
significant reduction of out-of-appetite models across
NatWest Group. Enhancements to models will continue in
2022 to bring NatWest Group back within model risk
appetite.
&#xF02D; Embedding and enhancement of the Model Risk frameworks.
Governance
A governance framework is in place to ensure policies and
processes relating to models are appropriate and effective. Two
roles are key to this &#x2013; Model Risk Owners and Model Risk
Officers. Model Risk Owners are responsible for model approval
and ongoing performance monitoring. Model Risk Officers, in
the second line, are responsible for oversight, including ensuring
that models are independently validated prior to use and on an
ongoing basis aligned to the model&#x2019;s risk rating. Model risk
matters are escalated to senior management in several ways.
These include model risk oversight committees, as well as the
relevant business and function model management committees.
The Group Model Risk Oversight Committee provides a direct
escalation route to the Group Executive Risk Committee and,
where applicable, onwards to the Group Board Risk Committee.

Risk appetite
Model risk appetite is set in order to limit the level of model risk
that NatWest Group is willing to accept in the course of its
business activities. It is approved by relevant Executive Risk
Committees. Business areas are responsible for monitoring
performance against appetite and remediating models outside
appetite.
Risk controls
Policies and procedures related to the development, validation,
approval, implementation and use and ongoing monitoring of
models are in place to ensure adequate control across the
lifecycle of an individual model.
Validation of material models is conducted by an independent
risk function comprised of skilled, well-informed subject matter
experts. This is completed for new models or amendments to
existing models and as part of an ongoing periodic programme
to assess model performance. The frequency of periodic
validation is aligned to the risk rating of the model. The
independent validation focuses on a variety of model features,

including modelling approach, the nature of the assumptions
used, the model&#x2019;s predictive ability and complexity, the data
used in the model, its implementation and its compliance with
regulation.
Risk monitoring and measurement
The level of risk relating to an individual model is assessed
through a model risk rating. A quantitative approach is used to
determine the risk rating of each model, based on the model&#x2019;s
materiality and validation rating. This approach provides the
basis for model risk appetite measures and enables model risk
to be robustly monitored and managed across NatWest Group.
Ongoing performance monitoring is conducted by the first line
and overseen by the second line to ensure parameter estimates
and model constructs remain fit for purpose, model assumptions
remain valid and that models are being used consistently with
their intended purpose. This allows timely action to be taken to
remediate poor model performance and/or any control gaps or
weaknesses.
Risk mitigation
By their nature &#x2013; as approximations of reality &#x2013; model risk is
inherent in the use of models. It is managed by refining or
redeveloping models where appropriate &#x2013; either due to changes
in market conditions, business assumptions or processes &#x2013; and
by applying adjustments to model outputs (either quantitative or
based on expert opinion). Enhancements may also be made to
the process within which the model output is used in order to
further limit risk levels.
Reputational risk
Definition
Reputational Risk is defined as the risk of damage to
stakeholder trust due to negative consequences arising from
internal actions or external events.
Sources of risk
Reputational risks originate from internal actions and external
events. The three primary drivers of reputational risk have been
identified as: failure in internal execution; a conflict between
NatWest Group&#x2019;s values and the public agenda; and contagion
(when NatWest Group&#x2019;s reputation is damaged by failures in the
wider financial sector).
Key developments in 2021
&#xF02D; Reputation risk registers were introduced at NatWest Group
level in order to enhance monitoring of the most material
reputational risks.
&#xF02D; An updated reputational risk appetite statement was
introduced with a specific focus on public trust.
&#xF02D; The correlation between reputational risk and climate
change issues remained a significant area of focus during
2021. Enhancements were made to the Environmental,
Social &amp; Ethical risk management framework to mitigate
reputational risk arising from exposure to carbon-intensive
sectors and to support the transition to a lower carbon
economy.
  </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><img width="826" height="1169"src="nwg-20211231xex15d2g271.jpg" alt="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">Risk and capital management continued
NatWest Group plc &#x2013; Annual Report on Form 20-F 269
Reputational risk continued
Governance
A reputational risk policy supports reputational risk
management across NatWest Group. Reputational risk
committees review relevant issues at an individual business or
entity level, while the Reputational Risk Committee &#x2013; which has
delegated authority from the Executive Risk Committee &#x2013; opines
on cases, issues, sectors and themes that represent a material
reputational risk. The Board Risk Committee oversees the
identification and reporting of reputational risk. The Sustainable
Banking Committee has a specific focus on environmental,
social and ethical issues.

Risk appetite
NatWest Group manages and articulates its appetite for
reputational risk through a qualitative reputational risk appetite
statement and quantitative measures. NatWest Group seeks to
identify, measure and manage risk exposures arising from
internal actions and external events. This is designed to ensure
that stakeholder trust is retained. However, reputational risk is
inherent in NatWest Group&#x2019;s operating environment and public
trust is a specific factor in setting reputational risk appetite.


Monitoring and measurement
Relevant internal and external factors are monitored through
regular reporting to the reputational risk committees at business
or entity level and escalated, where appropriate, to the
Reputational Risk Committee, Board Risk Committee or the
Sustainable Banking Committee.
Mitigation
Standards of conduct are in place across NatWest Group
requiring strict adherence to policies, procedures and ways of
working to ensure business is transacted in a way that meets &#x2013;
or exceeds &#x2013; stakeholder expectations.
External events that could cause reputational damage are
identified and mitigated through NatWest Group&#x2019;s top and
emerging risks process as well as through the NatWest Group
and franchise-level risk registers.
NatWest Group has in recent years been the subject of
investigations and reviews by a number of regulators and
governmental authorities, some of which have resulted in past
fines, settlements and public censure. Refer to the Litigation and
regulatory matters section of Note 27 to the consolidated
financial statements in the Annual Report on Form 20-F for
details of material matters currently affecting NatWest Group. </font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:avoid;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div></div></div></body></html>
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  <xsd:element name="AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" id="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" id="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" id="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation" id="nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports" id="nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions" id="nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances" id="nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOfLossesOnDisposalsAndWritedownsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" id="nwg_TaxEffectOfLossesOnDisposalsAndWritedownsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOfBankLevyExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" id="nwg_TaxEffectOfBankLevyExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" id="nwg_TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOfOtherExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" id="nwg_TaxEffectOfOtherExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOnForeignExchangeMovements" id="nwg_TaxEffectOnForeignExchangeMovements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOnLossesBroughtForwardAndUtilised" id="nwg_TaxEffectOnLossesBroughtForwardAndUtilised" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOnBankingSurcharge" id="nwg_TaxEffectOnBankingSurcharge" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOnAdjustmentsInRespectOfPriorYears" id="nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BankingSurchargeRate" id="nwg_BankingSurchargeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised" id="nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities" id="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable" id="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems" id="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfInterestIncomeAndInterestExpenseAbstract" id="nwg_DisclosureOfInterestIncomeAndInterestExpenseAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <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" />
  <xsd:element name="UnclaimedDividends" id="nwg_UnclaimedDividends" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentUnderIfrs9TransitionalArrangements" id="nwg_AdjustmentUnderIfrs9TransitionalArrangements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <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" />
  <xsd:element name="IncomeReceivableFromOtherFinancialAssets" id="nwg_IncomeReceivableFromOtherFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PostEmploymentBenefitExpense" id="nwg_PostEmploymentBenefitExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfAnalysisOfAssetCategoriesForThoseOwnAssetSecuritisationWhereTransferredAssetsContinuedToBeRecordedOnCompanySBalanceSheetExplanatory" id="nwg_DisclosureOfAnalysisOfAssetCategoriesForThoseOwnAssetSecuritisationWhereTransferredAssetsContinuedToBeRecordedOnCompanySBalanceSheetExplanatory" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgagesRoiMember" id="nwg_MortgagesRoiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CashDepositsMember" id="nwg_CashDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesInIssueHeldByThirdPartiesMember" id="nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesInIssueHeldByGroupMember" id="nwg_DebtSecuritiesInIssueHeldByGroupMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet" id="nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="OtherRegulatoryAdjustments" id="nwg_OtherRegulatoryAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" id="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="OtherFinancialAssetsClassifiedAsCashEquivalents" id="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities" id="nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities" id="nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsForValueAddedTaxAssessments" id="nwg_PaymentsForValueAddedTaxAssessments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RbsPlcMember" id="nwg_RbsPlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member" id="nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestGroupPlc1000Million3.622DatedNotes2030Member" id="nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestGroupPlcUs850Million3.032DatedNotes2035Member" id="nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember" id="nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember" id="nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestGroupPlcUs2000Million7.5DatedNotes2020Member" id="nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember" id="nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember" id="nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member" id="nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SaudiBritishBankMember" id="nwg_SaudiBritishBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VocalinkMember" id="nwg_VocalinkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherFinancialAssetsDisposedOff" id="nwg_OtherFinancialAssetsDisposedOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NonTradingReverseRepurchaseAgreementMember" id="nwg_NonTradingReverseRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonTradingRepurchaseAgreementMember" id="nwg_NonTradingRepurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonTradingRepurchaseReverseRepurchaseAgreementsMember" id="nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InflationVolatilityMeasurementInputMember" id="nwg_InflationVolatilityMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InflationRateMeasurementInputMember" id="nwg_InflationRateMeasurementInputMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MarketComparablesMember" id="nwg_MarketComparablesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateBenchmarkReformMember" id="nwg_InterestRateBenchmarkReformMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GbpLiborMember" id="nwg_GbpLiborMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UsdIborMember" id="nwg_UsdIborMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="IfrsOperatingActivitiesDomain" id="nwg_IfrsOperatingActivitiesDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" id="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromRepaymentsOfSubordinatedLiabilities" id="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element name="NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff" id="nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UkMortgagesPortfolioMember" id="nwg_UkMortgagesPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GainLossOnAcquisitionOfFinancialAssets" id="nwg_GainLossOnAcquisitionOfFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BasisSwapsMember" id="nwg_BasisSwapsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestGroupPlcUs1.15Billion8NotesMember" id="nwg_NatwestGroupPlcUs1.15Billion8NotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatwestGroupPlcUs2.65Billion8.625NotesMember" id="nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForecastPeriodForAverageCostIncomeRatio" id="nwg_ForecastPeriodForAverageCostIncomeRatio" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetOperatingLeaseIncome" id="nwg_NetOperatingLeaseIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ExpectedCreditRiskNonDefaultedAssets" id="nwg_ExpectedCreditRiskNonDefaultedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AlliedIrishBanksP.l.cMember" id="nwg_AlliedIrishBanksP.l.cMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets" id="nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="InterestExpenseOnCustomerDeposits" id="nwg_InterestExpenseOnCustomerDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ForecastCostRate" id="nwg_ForecastCostRate" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdditionalTier1NotesCallableDecember2025June2026UsdMember" id="nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdditionalTier1NotesCallableMayNovember2027GbpMember" id="nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock" id="nwg_DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfIssuanceOfCapitalInstrumentsTableTextBlock" id="nwg_ScheduleOfIssuanceOfCapitalInstrumentsTableTextBlock" 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" />
  <xsd:element name="OffshoringVatAssessmentsMember" id="nwg_OffshoringVatAssessmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <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="TelAvivDistrictCourtFxAntitrustLitigationsMember" id="nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <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="DescriptionOfAccountingPolicyForStaffCosts" id="nwg_DescriptionOfAccountingPolicyForStaffCosts" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember" id="nwg_InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="DerivativeLiabilitiesMember" id="nwg_DerivativeLiabilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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  <xsd:element name="LoansToCustomersMember" id="nwg_LoansToCustomersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <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="SecuredOvernightFinancingRateMember" id="nwg_SecuredOvernightFinancingRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <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" />
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<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>10
<FILENAME>nwg-20211231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
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    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" order="4" xlink:from="ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems" xlink:to="ifrs-full_BorrowingsInterestRate" priority="1" use="optional" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:label="ifrs-full_RepaymentsOfSubordinatedLiabilities" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" order="5" xlink:from="ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems" xlink:to="ifrs-full_RepaymentsOfSubordinatedLiabilities" priority="1" use="optional" />
  </definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>12
<FILENAME>nwg-20211231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--XBRL document created with Toppan Merrill Bridge  9.6.8042.36810 -->
<!--Based on XBRL 2.1-->
<!--Created on: 3/3/2022 9:27:04 PM-->
<!--Modified on: 3/3/2022 9:27:04 PM-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt">
  <roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xmlns="http://www.xbrl.org/2003/linkbase" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cover [Abstract]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationTable" xlink:label="dei_DocumentInformationTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationTable" xlink:to="dei_DocumentInformationTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentInformationTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Document Information [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfShareCapitalAxis" xlink:label="ifrs-full_ClassesOfShareCapitalAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfShareCapitalAxis" xlink:to="ifrs-full_ClassesOfShareCapitalAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfShareCapitalAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of share capital [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfShareCapitalMember" xlink:label="ifrs-full_ClassesOfShareCapitalMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfShareCapitalMember" xlink:to="ifrs-full_ClassesOfShareCapitalMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfShareCapitalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share capital [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OrdinarySharesMember" xlink:label="ifrs-full_OrdinarySharesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OrdinarySharesMember" xlink:to="ifrs-full_OrdinarySharesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OrdinarySharesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PreferenceSharesMember" xlink:label="ifrs-full_PreferenceSharesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PreferenceSharesMember" xlink:to="ifrs-full_PreferenceSharesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PreferenceSharesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preference shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CumulativePreferenceShares11PercentMember" xlink:label="nwg_CumulativePreferenceShares11PercentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CumulativePreferenceShares11PercentMember" xlink:to="nwg_CumulativePreferenceShares11PercentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CumulativePreferenceShares11PercentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for 11% cumulative preference shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CumulativePreferenceShares11PercentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">11% Cumulative Preference Shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CumulativePreferenceShares5.5PercentMember" xlink:label="nwg_CumulativePreferenceShares5.5PercentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CumulativePreferenceShares5.5PercentMember" xlink:to="nwg_CumulativePreferenceShares5.5PercentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CumulativePreferenceShares5.5PercentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for 5 1/2% cumulative preference shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CumulativePreferenceShares5.5PercentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">5 1/2% Cumulative Preference Shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonCumulativePreferenceSharesUS01Member" xlink:label="nwg_NonCumulativePreferenceSharesUS01Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonCumulativePreferenceSharesUS01Member" xlink:to="nwg_NonCumulativePreferenceSharesUS01Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonCumulativePreferenceSharesUS01Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-cumulative preference shares of US$0.01</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonCumulativePreferenceSharesUS01Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-cumulative preference shares of US$0.01</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AdrMember" xlink:label="dei_AdrMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AdrMember" xlink:to="dei_AdrMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AdrMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">American Depositary Shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember" xlink:label="nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember" xlink:to="nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to American Depositary Shares, each representing 2 ordinary shares, nominal value ??1 per share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AmericanDepositarySharesEachRepresenting2OrdinarySharesNominalValue1PerShareMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">American Depositary Shares, each representing 2 ordinary shares, nominal value ??1 per share</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DollarPerpetualRegulatoryTier1SecuritiesMember" xlink:label="nwg_DollarPerpetualRegulatoryTier1SecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DollarPerpetualRegulatoryTier1SecuritiesMember" xlink:to="nwg_DollarPerpetualRegulatoryTier1SecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DollarPerpetualRegulatoryTier1SecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to Dollar Perpetual Regulatory Tier 1 Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DollarPerpetualRegulatoryTier1SecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dollar Perpetual Regulatory Tier 1 Securities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SeniorNote3.875SeniorNotesDue2023Member" xlink:label="nwg_SeniorNote3.875SeniorNotesDue2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SeniorNote3.875SeniorNotesDue2023Member" xlink:to="nwg_SeniorNote3.875SeniorNotesDue2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SeniorNote3.875SeniorNotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 3.875% Senior Notes due 2023.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SeniorNote3.875SeniorNotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">3.875% Senior Notes due 2023</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member" xlink:label="nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member" xlink:to="nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 3.498% Fixed Rate / Floating Rate Senior Notes due 2023.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note3.498FixedRateFloatingRateSeniorNotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">3.498% Fixed Rate / Floating Rate Senior Notes due 2023</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member" xlink:label="nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member" xlink:to="nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 4.519% Fixed Rate / Floating Rate Senior Notes due 2024.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note4.519FixedRateFloatingRateSeniorNotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">4.519% Fixed Rate / Floating Rate Senior Notes due 2024</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member" xlink:label="nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member" xlink:to="nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 2.359% Callable Fixed-to-fixed Reset Rate Green Senior Notes due 2024.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note2.359CallableFixedToFixedResetRateGreenSeniorNotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">2.359% Callable Fixed-to-fixed Reset Rate Green Senior Notes due 2024</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member" xlink:label="nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member" xlink:to="nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 4.269% Fixed Rate / Floating Rate Senior Notes due 2025.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note4.269FixedRateFloatingRateSeniorNotesDue2025Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">4.269% Fixed Rate / Floating Rate Senior Notes due 2025</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member" xlink:label="nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member" xlink:to="nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 3.073% Callable Fixed-to-fixed Reset Rate Senior Notes due 2028.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note3.073CallableFixedToFixedResetRateSeniorNotesDue2028Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">3.073% Callable Fixed-to-fixed Reset Rate Senior Notes due 2028</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member" xlink:label="nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member" xlink:to="nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 4.892% Fixed Rate / Floating Rate Senior Notes due 2029.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note4.892FixedRateFloatingRateSeniorNotesDue2029Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">4.892% Fixed Rate / Floating Rate Senior Notes due 2029</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member" xlink:label="nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member" xlink:to="nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 5.076% Fixed Rate / Floating Rate Senior Notes due 2030</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note5.076FixedRateFloatingRateSeniorNotesDue2030Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">5.076% Fixed Rate / Floating Rate Senior Notes due 2030</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member" xlink:label="nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member" xlink:to="nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 4.445% Fixed Rate / Floating Rate Senior Notes due 2030.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note4.445FixedRateFloatingRateSeniorNotesDue2030Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">4.445% Fixed Rate / Floating Rate Senior Notes due 2030</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member" xlink:label="nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member" xlink:to="nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represent the information pertaining to 1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2027 member.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Note 1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes Due 2027 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_Note1.642SeniorCallableFixedToFixedResetRateNotesDue2027Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">1.642% Senior Callable Fixed-to-Fixed Reset Rate Notes due 2027</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Notes4.8FixedRateNotesDue2026Member" xlink:label="nwg_Notes4.8FixedRateNotesDue2026Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Notes4.8FixedRateNotesDue2026Member" xlink:to="nwg_Notes4.8FixedRateNotesDue2026Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Notes4.8FixedRateNotesDue2026Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represent the information pertaining to 4.8% Fixed Rate Notes due 2026 member.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Notes4.8FixedRateNotesDue2026Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notes 4.8% Fixed Rate Notes Due 2026 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_Notes4.8FixedRateNotesDue2026Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">4.8% Fixed Rate Notes due 2026</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SeniorFloatingRateNotesDue2023Member" xlink:label="nwg_SeniorFloatingRateNotesDue2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SeniorFloatingRateNotesDue2023Member" xlink:to="nwg_SeniorFloatingRateNotesDue2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SeniorFloatingRateNotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to Senior Floating Rate Notes due 2023.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SeniorFloatingRateNotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Senior Floating Rate Notes due 2023</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SeniorFloatingRateNotesDue2024Member" xlink:label="nwg_SeniorFloatingRateNotesDue2024Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SeniorFloatingRateNotesDue2024Member" xlink:to="nwg_SeniorFloatingRateNotesDue2024Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SeniorFloatingRateNotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to Senior Floating Rate Notes due 2024.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SeniorFloatingRateNotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Senior Floating Rate Notes due 2024</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SubordinatedLiabilitiesMember" xlink:label="nwg_SubordinatedLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SubordinatedLiabilitiesMember" xlink:to="nwg_SubordinatedLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SubordinatedLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for subordinated liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SubordinatedLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated Liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note6.125SubordinatedTier2NotesDue2022Member" xlink:label="nwg_Note6.125SubordinatedTier2NotesDue2022Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note6.125SubordinatedTier2NotesDue2022Member" xlink:to="nwg_Note6.125SubordinatedTier2NotesDue2022Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note6.125SubordinatedTier2NotesDue2022Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 6.125% Subordinated Tier 2 Notes??due 2022.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note6.125SubordinatedTier2NotesDue2022Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">6.125% Subordinated Tier 2 Notes due 2022</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note6.000SubordinatedTier2NotesDue2023Member" xlink:label="nwg_Note6.000SubordinatedTier2NotesDue2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note6.000SubordinatedTier2NotesDue2023Member" xlink:to="nwg_Note6.000SubordinatedTier2NotesDue2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note6.000SubordinatedTier2NotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 6.000% Subordinated Tier 2 Notes??due 2023.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note6.000SubordinatedTier2NotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">6.000% Subordinated Tier 2 Notes due 2023</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note6.100SubordinatedTier2NotesDue2023Member" xlink:label="nwg_Note6.100SubordinatedTier2NotesDue2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note6.100SubordinatedTier2NotesDue2023Member" xlink:to="nwg_Note6.100SubordinatedTier2NotesDue2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note6.100SubordinatedTier2NotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 6.100% Subordinated Tier 2 Notes??due 2023.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note6.100SubordinatedTier2NotesDue2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">6.100% Subordinated Tier 2 Notes due 2023</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note5.125SubordinatedTier2NotesDue2024Member" xlink:label="nwg_Note5.125SubordinatedTier2NotesDue2024Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note5.125SubordinatedTier2NotesDue2024Member" xlink:to="nwg_Note5.125SubordinatedTier2NotesDue2024Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note5.125SubordinatedTier2NotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 5.125% Subordinated Tier 2 Notes due 2024.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note5.125SubordinatedTier2NotesDue2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">5.125% Subordinated Tier 2 Notes due 2024</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member" xlink:label="nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member" xlink:to="nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 3.754% Fixed-to-fixed Reset Rate Subordinated Tier 2 Notes due 2029.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note3.754FixedToFixedResetRateSubordinatedTier2NotesDue2029Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">3.754% Fixed-to-fixed Reset Rate Subordinated Tier 2 Notes due 2029</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member" xlink:label="nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member" xlink:to="nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to 3.032% Fixed-to-fixed Reset Rate Subordinated Tier 2 Notes due 2035.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Note3.032FixedToFixedResetRateSubordinatedTier2NotesDue2035Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">3.032% Fixed-to-fixed Reset Rate Subordinated Tier 2 Notes due 2035</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressesAddressTypeAxis" xlink:label="dei_EntityAddressesAddressTypeAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressesAddressTypeAxis" xlink:to="dei_EntityAddressesAddressTypeAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressesAddressTypeAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Addresses, Address Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AddressTypeDomain" xlink:label="dei_AddressTypeDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AddressTypeDomain" xlink:to="dei_AddressTypeDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AddressTypeDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Address Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_BusinessContactMember" xlink:label="dei_BusinessContactMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_BusinessContactMember" xlink:to="dei_BusinessContactMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_BusinessContactMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Chief Governance Officer and Company Secretary</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationLineItems" xlink:label="dei_DocumentInformationLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentInformationLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Document Information [Line Items]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Registrant Name</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Central Index Key</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Document Type</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Document Period End Date</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amendment Flag</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Address, Country</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Address, Postal Zip Code</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_ContactPersonnelName" xlink:label="dei_ContactPersonnelName" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_ContactPersonnelName" xlink:to="dei_ContactPersonnelName_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_ContactPersonnelName_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contact Personnel Name</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">City Area Code</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Local Phone Number</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Title of 12(b) Security</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading Symbol</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Security Exchange Name</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Interactive Data Current</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Well-known Seasoned Issuer</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Filer Category</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Emerging Growth Company</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Document Accounting Standard</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Shell Company</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Common Stock, Shares Outstanding</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Voluntary Filers</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity Current Reporting Status</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_IcfrAuditorAttestationFlag" xlink:label="dei_IcfrAuditorAttestationFlag" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_IcfrAuditorAttestationFlag" xlink:to="dei_IcfrAuditorAttestationFlag_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_IcfrAuditorAttestationFlag_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ICFR Auditor Attestation Flag</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No Trading Symbol Flag</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName" xlink:label="dei_AuditorName" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditorName" xlink:to="dei_AuditorName_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditorName_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditor Name</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorFirmId" xlink:label="dei_AuditorFirmId" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditorFirmId" xlink:to="dei_AuditorFirmId_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditorFirmId_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditor Firm ID</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation" xlink:label="dei_AuditorLocation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditorLocation" xlink:to="dei_AuditorLocation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditorLocation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditor Location</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeStatementAbstract" xlink:label="ifrs-full_IncomeStatementAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_IncomeStatementAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeStatementAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Consolidated income statement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueFromInterest" xlink:label="ifrs-full_RevenueFromInterest" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RevenueFromInterest" xlink:to="ifrs-full_RevenueFromInterest_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RevenueFromInterest_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RevenueFromInterest_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_RevenueFromInterest_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest receivable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpense" xlink:label="ifrs-full_InterestExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestExpense" xlink:to="ifrs-full_InterestExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_InterestExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_InterestExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestRevenueExpense" xlink:label="ifrs-full_InterestRevenueExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestRevenueExpense" xlink:to="ifrs-full_InterestRevenueExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestRevenueExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest income (expense)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestRevenueExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_InterestRevenueExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncome" xlink:label="ifrs-full_FeeAndCommissionIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FeeAndCommissionIncome" xlink:to="ifrs-full_FeeAndCommissionIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fee and commission income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees and commissions receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_FeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionExpense" xlink:label="ifrs-full_FeeAndCommissionExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FeeAndCommissionExpense" xlink:to="ifrs-full_FeeAndCommissionExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FeeAndCommissionExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fee and commission expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_FeeAndCommissionExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees and commissions payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpense" xlink:label="ifrs-full_TradingIncomeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradingIncomeExpense" xlink:to="ifrs-full_TradingIncomeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradingIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading income (expense)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TradingIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from trading activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_TradingIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from trading activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherOperatingIncomeExpense" xlink:label="ifrs-full_OtherOperatingIncomeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherOperatingIncomeExpense" xlink:to="ifrs-full_OtherOperatingIncomeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherOperatingIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating income (expense)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherOperatingIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_OtherOperatingIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NoninterestIncomeExpense" xlink:label="nwg_NoninterestIncomeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NoninterestIncomeExpense" xlink:to="nwg_NoninterestIncomeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NoninterestIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The aggregate amount of the entity's non-interest income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NoninterestIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Noninterest Income Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_NoninterestIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueAndOperatingIncome" xlink:label="ifrs-full_RevenueAndOperatingIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RevenueAndOperatingIncome" xlink:to="ifrs-full_RevenueAndOperatingIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RevenueAndOperatingIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Revenue and other operating income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RevenueAndOperatingIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_RevenueAndOperatingIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EmployeeBenefitsExpense" xlink:label="ifrs-full_EmployeeBenefitsExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EmployeeBenefitsExpense" xlink:to="ifrs-full_EmployeeBenefitsExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EmployeeBenefitsExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Employee benefits expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_EmployeeBenefitsExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Staff costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_EmployeeBenefitsExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Staff costs</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PremisesAndEquipmentExpense" xlink:label="nwg_PremisesAndEquipmentExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PremisesAndEquipmentExpense" xlink:to="nwg_PremisesAndEquipmentExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PremisesAndEquipmentExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Premises and equipment expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PremisesAndEquipmentExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Premises and equipment expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_PremisesAndEquipmentExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PremisesAndEquipmentExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Premises and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherExpenseByNature" xlink:label="ifrs-full_OtherExpenseByNature" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherExpenseByNature" xlink:to="ifrs-full_OtherExpenseByNature_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherExpenseByNature_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other expenses, by nature</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_OtherExpenseByNature_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other administrative expenses</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets" xlink:label="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets" xlink:to="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation and amortisation and impairment of other intangible assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation And Amortisation And Impairment Of Other Intangible Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DepreciationAndAmortisationAndImpairmentOfOtherIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation and amortisation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OperatingExpense" xlink:label="ifrs-full_OperatingExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OperatingExpense" xlink:to="ifrs-full_OperatingExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OperatingExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="ifrs-full_OperatingExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OperatingExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_OperatingExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss" xlink:label="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss" xlink:to="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The profit (loss) from continuing operations before tax expense or income and the amount of impairment loss or reversal of impairment loss.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit Loss Before Tax and Impairment Loss Reversal of Impairment Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_ProfitLossBeforeTaxAndImpairmentLossReversalOfImpairmentLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit before impairment losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:to="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment loss (reversal of impairment loss) recognised in profit or loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment releases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment releases/(losses)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProfitLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit/(loss) for the year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_ProfitLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit/(loss) for the year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossAttributableToAbstract" xlink:label="ifrs-full_ProfitLossAttributableToAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProfitLossAttributableToAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Attributable to:</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit (loss), attributable to ordinary equity holders of parent entity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shareholders</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit/(loss) attributable to ordinary shareholders</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity" xlink:label="nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The profit (loss) attributable to preferred equity holders of the parent equity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit Loss Attributable To Preferred Equity Holders of Parent Entity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProfitLossAttributableToPreferredEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preference shareholders</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProfitLossAttributableToPaidInEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The profit (loss) attributable to paid-in equity holders of the parent equity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProfitLossAttributableToPaidInEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit Loss Attributable To Paid-in Equity Holders Of Parent Entity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProfitLossAttributableToPaidInEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Paid-in equity holders</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_EarningsPerShareAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Per ordinary share</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_BasicEarningsLossPerShareFromContinuingOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Earnings per ordinary share - continuing operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:label="ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Basic earnings (loss) per share from discontinued operations</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DilutedEarningsLossPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Diluted earnings (loss) per share</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity" xlink:label="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity" xlink:to="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Comprehensive income (loss) attributable to paid-in equity holders of the parent equity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Comprehensive Income Attributable To Paid-in Equity Holders Of Parent Entity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ComprehensiveIncomeAttributableToPaidInEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Paid-in equity holders</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Comprehensive income, attributable to non-controlling interests</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-controlling interests</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xlink:to="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of transactions between related parties [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:label="ifrs-full_CategoriesOfRelatedPartiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:to="ifrs-full_CategoriesOfRelatedPartiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CategoriesOfRelatedPartiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Categories of related parties [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForRelatedPartiesMember" xlink:label="ifrs-full_EntitysTotalForRelatedPartiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForRelatedPartiesMember" xlink:to="ifrs-full_EntitysTotalForRelatedPartiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForRelatedPartiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity's total for related parties [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UkGovernmentInvestmentsLtdMember" xlink:label="nwg_UkGovernmentInvestmentsLtdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UkGovernmentInvestmentsLtdMember" xlink:to="nwg_UkGovernmentInvestmentsLtdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UkGovernmentInvestmentsLtdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for UK Government Investments Ltd.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UkGovernmentInvestmentsLtdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK Government Investments Ltd (UKGI)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DefinedBenefitPlansAxis" xlink:label="ifrs-full_DefinedBenefitPlansAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DefinedBenefitPlansAxis" xlink:to="ifrs-full_DefinedBenefitPlansAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DefinedBenefitPlansAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Defined benefit plans [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DefinedBenefitPlansMember" xlink:label="ifrs-full_DefinedBenefitPlansMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DefinedBenefitPlansMember" xlink:to="ifrs-full_DefinedBenefitPlansMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DefinedBenefitPlansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Defined benefit plans [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember" xlink:label="nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember" xlink:to="nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Main Section of The Royal Bank of Scotland Group Pension Fund operated under UK trust law.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MainSectionOfRoyalBankOfScotlandGroupPensionFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Main Scheme</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IrelandPensionSchemeMember" xlink:label="nwg_IrelandPensionSchemeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IrelandPensionSchemeMember" xlink:to="nwg_IrelandPensionSchemeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IrelandPensionSchemeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ireland Pension Scheme</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IrelandPensionSchemeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ireland Pension Scheme</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:to="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of transactions between related parties [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Related party transactions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transactions with directors and key management</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EmployerContributions" xlink:label="ifrs-full_EmployerContributions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EmployerContributions" xlink:to="ifrs-full_EmployerContributions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EmployerContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Employer contributions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_EmployerContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ChangesInEquity" xlink:label="ifrs-full_ChangesInEquity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ChangesInEquity" xlink:to="ifrs-full_ChangesInEquity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ChangesInEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ChangesInEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial gains (losses) arising from changes in demographic assumptions, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effect of changes in actuarial demographic assumptions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net gain (loss) due to significant movements in underlying actuarial assumptions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_StatementOfFinancialPositionAbstract" xlink:label="ifrs-full_StatementOfFinancialPositionAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_StatementOfFinancialPositionAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_StatementOfFinancialPositionAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Consolidated balance sheet</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AssetsAbstract" xlink:label="ifrs-full_AssetsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_AssetsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_AssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="ifrs-full_CashAndBankBalancesAtCentralBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:to="ifrs-full_CashAndBankBalancesAtCentralBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashAndBankBalancesAtCentralBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and bank balances at central banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CashAndBankBalancesAtCentralBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and balances at central banks</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingAssets" xlink:label="nwg_TradingAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingAssets" xlink:to="nwg_TradingAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of trading assets held by the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading Assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TradingAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_TradingAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialAssets" xlink:label="ifrs-full_DerivativeFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DerivativeFinancialAssets" xlink:to="ifrs-full_DerivativeFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DerivativeFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative financial assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DerivativeFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DerivativeFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradeReceivables" xlink:label="ifrs-full_TradeReceivables" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradeReceivables" xlink:to="ifrs-full_TradeReceivables_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradeReceivables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trade receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TradeReceivables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LoansAndAdvancesToBanks" xlink:label="ifrs-full_LoansAndAdvancesToBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LoansAndAdvancesToBanks" xlink:to="ifrs-full_LoansAndAdvancesToBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LoansAndAdvancesToBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans and advances to banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_LoansAndAdvancesToBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to banks - amortised cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LoansAndAdvancesToCustomers" xlink:label="ifrs-full_LoansAndAdvancesToCustomers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LoansAndAdvancesToCustomers" xlink:to="ifrs-full_LoansAndAdvancesToCustomers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans and advances to customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="ifrs-full_LoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers - amortised cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_LoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans and advances to customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_LoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers - amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SecuritiesHeldSubjectToRepurchaseAgreement" xlink:label="nwg_SecuritiesHeldSubjectToRepurchaseAgreement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SecuritiesHeldSubjectToRepurchaseAgreement" xlink:to="nwg_SecuritiesHeldSubjectToRepurchaseAgreement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SecuritiesHeldSubjectToRepurchaseAgreement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of securities held by the entity that are subject to repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SecuritiesHeldSubjectToRepurchaseAgreement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities Held Subject to Repurchase Agreement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SecuritiesHeldSubjectToRepurchaseAgreement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities subject to repurchase agreements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" xlink:label="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements" xlink:to="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other financial assets excluding securities held by the entity that are subject to repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Financial Assets Excluding Securities Subject to Repurchase Agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherFinancialAssetsExcludingSecuritiesSubjectToRepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets excluding securities subject to repurchase agreements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherFinancialAssets" xlink:label="ifrs-full_OtherFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherFinancialAssets" xlink:to="ifrs-full_OtherFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_OtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IntangibleAssetsAndGoodwill" xlink:to="ifrs-full_IntangibleAssetsAndGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets and goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherAssets" xlink:label="ifrs-full_OtherAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherAssets" xlink:to="ifrs-full_OtherAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_OtherAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_OtherAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:label="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:to="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-current assets or disposal groups classified as held for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets of disposal groups</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Assets" xlink:label="ifrs-full_Assets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Assets" xlink:to="ifrs-full_Assets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Assets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_Assets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_Assets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_Assets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LiabilitiesAbstract" xlink:label="ifrs-full_LiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LiabilitiesAbstract" xlink:to="ifrs-full_LiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_LiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepositsFromBanks" xlink:label="ifrs-full_DepositsFromBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DepositsFromBanks" xlink:to="ifrs-full_DepositsFromBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DepositsFromBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deposits from banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DepositsFromBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bank deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepositsFromCustomers" xlink:label="ifrs-full_DepositsFromCustomers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DepositsFromCustomers" xlink:to="ifrs-full_DepositsFromCustomers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DepositsFromCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deposits from customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DepositsFromCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Customer deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradeAndOtherPayables" xlink:label="ifrs-full_TradeAndOtherPayables" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradeAndOtherPayables" xlink:to="ifrs-full_TradeAndOtherPayables_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradeAndOtherPayables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trade and other payables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TradeAndOtherPayables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTradingLiabilities" xlink:label="nwg_IfrsTradingLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsTradingLiabilities" xlink:to="nwg_IfrsTradingLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsTradingLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsTradingLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS trading liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsTradingLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_IfrsTradingLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialLiabilities" xlink:label="ifrs-full_DerivativeFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DerivativeFinancialLiabilities" xlink:to="ifrs-full_DerivativeFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DerivativeFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DerivativeFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DerivativeFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherFinancialLiabilities" xlink:label="ifrs-full_OtherFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherFinancialLiabilities" xlink:to="ifrs-full_OtherFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities..</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_OtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SubordinatedLiabilities" xlink:label="ifrs-full_SubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SubordinatedLiabilities" xlink:to="ifrs-full_SubordinatedLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_SubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_SubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued" xlink:label="ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued" xlink:to="ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current notes and debentures issued and current portion of non-current notes and debentures issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CurrentNotesAndDebenturesIssuedAndCurrentPortionOfNoncurrentNotesAndDebenturesIssued_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notes in circulation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherLiabilities" xlink:label="ifrs-full_OtherLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherLiabilities" xlink:to="ifrs-full_OtherLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other liabilities..</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_OtherLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_OtherLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Liabilities" xlink:label="ifrs-full_Liabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Liabilities" xlink:to="ifrs-full_Liabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Liabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_Liabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_Liabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityAbstract" xlink:label="ifrs-full_EquityAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EquityAbstract" xlink:to="ifrs-full_EquityAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EquityAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_EquityAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OrdinaryShareholders" xlink:label="nwg_OrdinaryShareholders" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OrdinaryShareholders" xlink:to="nwg_OrdinaryShareholders_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OrdinaryShareholders_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity attributable to holders of ordinary shares in the company.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OrdinaryShareholders_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary Shareholders</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OrdinaryShareholders_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shareholders' interests</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherEquityOwners" xlink:label="nwg_OtherEquityOwners" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherEquityOwners" xlink:to="nwg_OtherEquityOwners_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherEquityOwners_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity attributable to other ownership interests in parent entity, including preference shares and paid-in equity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherEquityOwners_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Equity Owners</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherEquityOwners_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other owners' interests</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityAttributableToOwnersOfParent" xlink:label="ifrs-full_EquityAttributableToOwnersOfParent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EquityAttributableToOwnersOfParent" xlink:to="ifrs-full_EquityAttributableToOwnersOfParent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EquityAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity attributable to owners of parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_EquityAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Owners' equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_EquityAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shareholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NoncontrollingInterests" xlink:label="ifrs-full_NoncontrollingInterests" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NoncontrollingInterests" xlink:to="ifrs-full_NoncontrollingInterests_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-controlling interests.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-controlling interests</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Equity" xlink:to="ifrs-full_Equity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Equity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_Equity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_Equity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_Equity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_Equity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value of shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityAndLiabilities" xlink:label="ifrs-full_EquityAndLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EquityAndLiabilities" xlink:to="ifrs-full_EquityAndLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EquityAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity and liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_EquityAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total liabilities and equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_StatementOfChangesInEquityAbstract" xlink:label="ifrs-full_StatementOfChangesInEquityAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="ifrs-full_StatementOfChangesInEquityAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_StatementOfChangesInEquityAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Condensed consolidated statement of changes in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_StatementOfChangesInEquityTable" xlink:label="ifrs-full_StatementOfChangesInEquityTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_StatementOfChangesInEquityTable" xlink:to="ifrs-full_StatementOfChangesInEquityTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_StatementOfChangesInEquityTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Statement of changes in equity [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ComponentsOfEquityAxis" xlink:label="ifrs-full_ComponentsOfEquityAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ComponentsOfEquityAxis" xlink:to="ifrs-full_ComponentsOfEquityAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ComponentsOfEquityAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Components of equity [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityMember" xlink:label="ifrs-full_EquityMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_EquityMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EquityMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IssuedCapitalMember" xlink:label="ifrs-full_IssuedCapitalMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IssuedCapitalMember" xlink:to="ifrs-full_IssuedCapitalMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IssuedCapitalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Called-up share capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdditionalPaidinCapitalMember" xlink:label="ifrs-full_AdditionalPaidinCapitalMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdditionalPaidinCapitalMember" xlink:to="ifrs-full_AdditionalPaidinCapitalMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdditionalPaidinCapitalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Paid-in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SharePremiumMember" xlink:label="ifrs-full_SharePremiumMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SharePremiumMember" xlink:to="ifrs-full_SharePremiumMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SharePremiumMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share premium account</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MergerReserveMember" xlink:label="ifrs-full_MergerReserveMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MergerReserveMember" xlink:to="ifrs-full_MergerReserveMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MergerReserveMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Merger reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember" xlink:label="ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember" xlink:to="ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">FVOCI reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReserveOfCashFlowHedgesMember" xlink:label="ifrs-full_ReserveOfCashFlowHedgesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReserveOfCashFlowHedgesMember" xlink:to="ifrs-full_ReserveOfCashFlowHedgesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReserveOfCashFlowHedgesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flow hedging reserve</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember" xlink:label="nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember" xlink:to="nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reserve of exchange differences on translation and hedges of net investments in foreign operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ReserveOfExchangeDifferencesOnTranslationAndHedgesOfNetInvestmentsInForeignOperationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign exchange reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CapitalRedemptionReserveMember" xlink:label="ifrs-full_CapitalRedemptionReserveMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CapitalRedemptionReserveMember" xlink:to="ifrs-full_CapitalRedemptionReserveMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CapitalRedemptionReserveMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital redemption reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RetainedEarningsMember" xlink:label="ifrs-full_RetainedEarningsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RetainedEarningsMember" xlink:to="ifrs-full_RetainedEarningsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RetainedEarningsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Retained earnings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TreasurySharesMember" xlink:label="ifrs-full_TreasurySharesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TreasurySharesMember" xlink:to="ifrs-full_TreasurySharesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TreasurySharesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Own shares held</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:label="ifrs-full_EquityAttributableToOwnersOfParentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_EquityAttributableToOwnersOfParentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EquityAttributableToOwnersOfParentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shareholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NoncontrollingInterestsMember" xlink:label="ifrs-full_NoncontrollingInterestsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NoncontrollingInterestsMember" xlink:to="ifrs-full_NoncontrollingInterestsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NoncontrollingInterestsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-controlling interests</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OrdinaryShareholderEquityMember" xlink:label="nwg_OrdinaryShareholderEquityMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OrdinaryShareholderEquityMember" xlink:to="nwg_OrdinaryShareholderEquityMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OrdinaryShareholderEquityMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a component of equity representing ordinary shareholders.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OrdinaryShareholderEquityMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shareholders</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PreferenceShareholderEquityMember" xlink:label="nwg_PreferenceShareholderEquityMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PreferenceShareholderEquityMember" xlink:to="nwg_PreferenceShareholderEquityMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PreferenceShareholderEquityMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a component of equity representing preference shareholders.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PreferenceShareholderEquityMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preference shareholders</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_StatementOfChangesInEquityLineItems" xlink:label="ifrs-full_StatementOfChangesInEquityLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_StatementOfChangesInEquityLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_StatementOfChangesInEquityLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Statement of changes in equity [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_StatementOfChangesInEquityLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit attributable to non-controlling interests</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_StatementOfChangesInEquityLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Statement of changes in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IssueOfEquity" xlink:label="ifrs-full_IssueOfEquity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IssueOfEquity" xlink:to="ifrs-full_IssueOfEquity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IssueOfEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Issue of equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="ifrs-full_IssueOfEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Issue of paid in equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IssueOfEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shares issued</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReductionOfIssuedCapital" xlink:label="ifrs-full_ReductionOfIssuedCapital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReductionOfIssuedCapital" xlink:to="ifrs-full_ReductionOfIssuedCapital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReductionOfIssuedCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reduction of issued capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ReductionOfIssuedCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share cancellation (1,5)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_ReductionOfIssuedCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares redeemed</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IssueOfConvertibleInstruments" xlink:label="ifrs-full_IssueOfConvertibleInstruments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IssueOfConvertibleInstruments" xlink:to="ifrs-full_IssueOfConvertibleInstruments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IssueOfConvertibleInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Issue of convertible instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IssueOfConvertibleInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities issued during the period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_IssueOfConvertibleInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Issue of AT1 capital notes</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ReductionOfPaidInCapitalSharesRedeemed" xlink:label="nwg_ReductionOfPaidInCapitalSharesRedeemed" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ReductionOfPaidInCapitalSharesRedeemed" xlink:to="nwg_ReductionOfPaidInCapitalSharesRedeemed_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ReductionOfPaidInCapitalSharesRedeemed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The decrease in equity resulting from a reduction paid in capital via redeemed value of shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ReductionOfPaidInCapitalSharesRedeemed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reduction Of Paid In Capital Shares Redeemed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_ReductionOfPaidInCapitalSharesRedeemed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redeemed</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ReductionOfPaidInCapitalSharesReclassified" xlink:label="nwg_ReductionOfPaidInCapitalSharesReclassified" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ReductionOfPaidInCapitalSharesReclassified" xlink:to="nwg_ReductionOfPaidInCapitalSharesReclassified_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ReductionOfPaidInCapitalSharesReclassified_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The decrease in equity resulting from a reduction paid in capital of reclassified value of shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ReductionOfPaidInCapitalSharesReclassified_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reduction Of Paid In Capital Shares Reclassified</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_ReductionOfPaidInCapitalSharesReclassified_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reclassified (2)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentInBalanceDueToImplementationOfIfrs16" xlink:label="nwg_AdjustmentInBalanceDueToImplementationOfIfrs16" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentInBalanceDueToImplementationOfIfrs16" xlink:to="nwg_AdjustmentInBalanceDueToImplementationOfIfrs16_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentInBalanceDueToImplementationOfIfrs16_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustments due to changes in IFRS 16.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentInBalanceDueToImplementationOfIfrs16_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment in Balance due to Implementation of IFRS 16</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AdjustmentInBalanceDueToImplementationOfIfrs16_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Implementation of IFRS 16 on 1 January 2019 (5)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeFromContinuingOperationsAttributableToOwnersOfParent" xlink:label="ifrs-full_IncomeFromContinuingOperationsAttributableToOwnersOfParent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncomeFromContinuingOperationsAttributableToOwnersOfParent" xlink:to="ifrs-full_IncomeFromContinuingOperationsAttributableToOwnersOfParent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeFromContinuingOperationsAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from continuing operations attributable to owners of parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncomeFromContinuingOperationsAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">profit/(loss) attributable to ordinary shareholders and other equity owners - continuing operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent" xlink:label="ifrs-full_IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent" xlink:to="ifrs-full_IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from discontinued operations attributable to owners of parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_IncomeFromDiscontinuedOperationsAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">profit/(loss) attributable to ordinary shareholders and other equity owners - discontinued operations</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DividendsPaidEquityPreferenceShares" xlink:label="nwg_DividendsPaidEquityPreferenceShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DividendsPaidEquityPreferenceShares" xlink:to="nwg_DividendsPaidEquityPreferenceShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DividendsPaidEquityPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of dividends paid by the entity on equity preference shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DividendsPaidEquityPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividends Paid, Equity Preference Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DividendsPaidEquityPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity preference dividends paid</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DividendsPaidPaidInEquityShares" xlink:label="nwg_DividendsPaidPaidInEquityShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DividendsPaidPaidInEquityShares" xlink:to="nwg_DividendsPaidPaidInEquityShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DividendsPaidPaidInEquityShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of dividends paid by the entity on paid in equity shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DividendsPaidPaidInEquityShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividends paid, Paid In Equity Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DividendsPaidPaidInEquityShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Paid-in equity dividends paid</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DividendsRecognisedAsDistributionsToOwnersOfParent" xlink:label="ifrs-full_DividendsRecognisedAsDistributionsToOwnersOfParent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DividendsRecognisedAsDistributionsToOwnersOfParent" xlink:to="ifrs-full_DividendsRecognisedAsDistributionsToOwnersOfParent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DividendsRecognisedAsDistributionsToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividends recognised as distributions to owners of parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DividendsRecognisedAsDistributionsToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary dividends paid</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchaseOfTreasuryShares" xlink:label="ifrs-full_PurchaseOfTreasuryShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PurchaseOfTreasuryShares" xlink:to="ifrs-full_PurchaseOfTreasuryShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PurchaseOfTreasuryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value of purchased ordinary shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_PurchaseOfTreasuryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Own shares acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PurchaseOfTreasuryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Own shares acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_PurchaseOfTreasuryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares repurchased during the year</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UnclaimedDividends" xlink:label="nwg_UnclaimedDividends" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UnclaimedDividends" xlink:to="nwg_UnclaimedDividends_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UnclaimedDividends_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of unclaimed dividends.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UnclaimedDividends_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unclaimed Dividends</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_UnclaimedDividends_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unclaimed dividend</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity" xlink:label="nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity" xlink:to="nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The increase (decrease) in equity resulting from Redemption of debt preference shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) Through Redemption of Debt Preference Shares, Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseThroughRedemptionOfDebtPreferenceSharesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption of preference shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ReductionOfIssuedCapitalPreferenceShares" xlink:label="nwg_ReductionOfIssuedCapitalPreferenceShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ReductionOfIssuedCapitalPreferenceShares" xlink:to="nwg_ReductionOfIssuedCapitalPreferenceShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ReductionOfIssuedCapitalPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The decrease in equity resulting from a reduction in issued capital on preference shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ReductionOfIssuedCapitalPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reduction Of Issued Capital Preference Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_ReductionOfIssuedCapitalPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption/reclassification of paid-in equity (2,6)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) on financial assets measured at fair value through other comprehensive income, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit/(loss) on disposal of fair value through other comprehensive income assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unrealised gains/(losses)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:label="ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:to="ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reclassification adjustments on financial assets measured at fair value through other comprehensive income, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Realised losses/(gains)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income tax relating to financial assets measured at fair value through other comprehensive income included in other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:label="ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:to="ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) on cash flow hedges, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount recognized in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:label="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:to="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reclassification adjustments on cash flow hedges, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount transferred from equity to earnings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:to="ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income tax relating to cash flow hedges of other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:label="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:to="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) on exchange differences on translation, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Retranslation of net assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:label="ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:to="ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) on hedges of net investments in foreign operations, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign currency gains/(losses) on hedges of net assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeTaxRelatingToRetranslationOfNetAssetsAndForeignCurrencyGainsLossesOnOnHedgesOfNetAssets" xlink:label="nwg_IncomeTaxRelatingToRetranslationOfNetAssetsAndForeignCurrencyGainsLossesOnOnHedgesOfNetAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncomeTaxRelatingToRetranslationOfNetAssetsAndForeignCurrencyGainsLossesOnOnHedgesOfNetAssets" xlink:to="nwg_IncomeTaxRelatingToRetranslationOfNetAssetsAndForeignCurrencyGainsLossesOnOnHedgesOfNetAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncomeTaxRelatingToRetranslationOfNetAssetsAndForeignCurrencyGainsLossesOnOnHedgesOfNetAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of income tax relating to amounts recognised in other comprehensive income in relation to retranslations of net assets and foreign currency gains (losses) on hedgedes of net assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncomeTaxRelatingToRetranslationOfNetAssetsAndForeignCurrencyGainsLossesOnOnHedgesOfNetAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income tax relating to retranslation of net assets and foreign currency gains (losses) on on hedges of net assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_IncomeTaxRelatingToRetranslationOfNetAssetsAndForeignCurrencyGainsLossesOnOnHedgesOfNetAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughDisposalOfSubsidiary" xlink:label="ifrs-full_IncreaseDecreaseThroughDisposalOfSubsidiary" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughDisposalOfSubsidiary_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through disposal of subsidiary, equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughDisposalOfSubsidiary_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Recycled to profit or loss on disposal of businesses</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RealisedGainsInPeriodOnFvociEquitySharesGross" xlink:label="nwg_RealisedGainsInPeriodOnFvociEquitySharesGross" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RealisedGainsInPeriodOnFvociEquitySharesGross_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Realised gains in period on FVOCI equity shares Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RealisedGainsInPeriodOnFvociEquitySharesGross_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Realised gains in period on FVOCI equity shares Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RealisedGainsInPeriodOnFvociEquitySharesGross_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Realised (losses)/gains in period on FVOCI equity shares Gross</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan" xlink:label="nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan" xlink:to="nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment to retained earnings for other movements in defined benefit plan.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for Other Movements in Defined Benefit Plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentsForOtherMovementsInDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Remeasurement of the retirement benefit schemes other movements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount" xlink:label="nwg_AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The tax amount on adjustments for defined benefit curtailments or settlements loss (gain) to reconcile profit (loss) to net cash flow from (used in) operating activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForCurtailmentsOrSettlementLossGainDefinedBenefitPlanTaxAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for Curtailments or Settlement Loss Gain Defined Benefit Plan Tax Amount</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease (increase) Through tax on Changes in Fair Value of Financial Liabilities, Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in fair value of credit in financial liabilities designated at fair value through profit or loss, tax</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" xlink:label="nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve" xlink:to="nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The transfer to or from of retained earnings reserve to retained earnings.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) Through Transfer Of Retained Earnings Stock Reserve</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseThroughTransferOfRetainedEarningsStockReserve_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares issued under employee share schemes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:label="ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:to="ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through share-based payment transactions, equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share based payments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CurrencyTranslationAdjustmentsAndOtherMovements" xlink:label="nwg_CurrencyTranslationAdjustmentsAndOtherMovements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CurrencyTranslationAdjustmentsAndOtherMovements" xlink:to="nwg_CurrencyTranslationAdjustmentsAndOtherMovements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CurrencyTranslationAdjustmentsAndOtherMovements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to currency translation adjustments and other movements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CurrencyTranslationAdjustmentsAndOtherMovements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency Translation Adjustments And Other Movements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CurrencyTranslationAdjustmentsAndOtherMovements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency translation adjustments and other movements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests" xlink:to="ifrs-full_ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit (loss) from continuing operations attributable to non-controlling interests</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit/(loss) attributable to non-controlling interests</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DividendsRecognisedAsDistributionsToNoncontrollingInterests" xlink:label="ifrs-full_DividendsRecognisedAsDistributionsToNoncontrollingInterests" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DividendsRecognisedAsDistributionsToNoncontrollingInterests" xlink:to="ifrs-full_DividendsRecognisedAsDistributionsToNoncontrollingInterests_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DividendsRecognisedAsDistributionsToNoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividends recognised as distributions to non-controlling interests</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DividendsRecognisedAsDistributionsToNoncontrollingInterests_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividends paid</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EquityRaised" xlink:label="nwg_EquityRaised" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EquityRaised" xlink:to="nwg_EquityRaised_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EquityRaised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of Equity raised during the year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EquityRaised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity Raised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_EquityRaised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity raised</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EquityWithdrawnAndDisposals" xlink:label="nwg_EquityWithdrawnAndDisposals" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EquityWithdrawnAndDisposals" xlink:to="nwg_EquityWithdrawnAndDisposals_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EquityWithdrawnAndDisposals_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of Equity withdrawn and disposals.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EquityWithdrawnAndDisposals_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity Withdrawn And Disposals</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_EquityWithdrawnAndDisposals_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity withdrawn and disposals</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CounterpartiesAxis" xlink:label="ifrs-full_CounterpartiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CounterpartiesAxis" xlink:to="ifrs-full_CounterpartiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CounterpartiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Counterparties [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CounterpartiesMember" xlink:label="ifrs-full_CounterpartiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CounterpartiesMember" xlink:to="ifrs-full_CounterpartiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CounterpartiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Counterparties [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatWestBankMember" xlink:label="nwg_NatWestBankMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatWestBankMember" xlink:to="nwg_NatWestBankMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatWestBankMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Bank.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatWestBankMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xlink:label="ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xlink:to="ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-adjusting events after reporting period [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NonadjustingEventsMember" xlink:label="ifrs-full_NonadjustingEventsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NonadjustingEventsMember" xlink:to="ifrs-full_NonadjustingEventsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NonadjustingEventsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-adjusting events after reporting period [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SettlementAndCancellationOfOwnSharesMember" xlink:label="nwg_SettlementAndCancellationOfOwnSharesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SettlementAndCancellationOfOwnSharesMember" xlink:to="nwg_SettlementAndCancellationOfOwnSharesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SettlementAndCancellationOfOwnSharesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Information related to the settlement and cancellation of own shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SettlementAndCancellationOfOwnSharesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement and cancellation of own shares [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SettlementAndCancellationOfOwnSharesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement and cancellation of own shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTreasuryStockSharesAcquired" xlink:label="nwg_IfrsTreasuryStockSharesAcquired" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsTreasuryStockSharesAcquired" xlink:to="nwg_IfrsTreasuryStockSharesAcquired_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsTreasuryStockSharesAcquired_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares that have been repurchased during the period and are being held in treasury.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsTreasuryStockSharesAcquired_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs Treasury Stock, Shares, Acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="nwg_IfrsTreasuryStockSharesAcquired_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares transferred to treasury</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_IfrsTreasuryStockSharesAcquired_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shares acquired</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTreasuryStockAcquiredAverageCostPerShare" xlink:label="nwg_IfrsTreasuryStockAcquiredAverageCostPerShare" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsTreasuryStockAcquiredAverageCostPerShare" xlink:to="nwg_IfrsTreasuryStockAcquiredAverageCostPerShare_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsTreasuryStockAcquiredAverageCostPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total cost of shares repurchased divided by the total number of shares repurchased.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsTreasuryStockAcquiredAverageCostPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs Treasury Stock Acquired, Average Cost Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_IfrsTreasuryStockAcquiredAverageCostPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchase price per share</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TreasuryStockSharesCancelled" xlink:label="nwg_TreasuryStockSharesCancelled" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TreasuryStockSharesCancelled" xlink:to="nwg_TreasuryStockSharesCancelled_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TreasuryStockSharesCancelled_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares retired from treasury during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TreasuryStockSharesCancelled_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Treasury Stock, Shares, Cancelled</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_TreasuryStockSharesCancelled_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of purchased ordinary shares cancelled</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfSharesRepurchasedAndCancelledDuringPeriod" xlink:label="nwg_NumberOfSharesRepurchasedAndCancelledDuringPeriod" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfSharesRepurchasedAndCancelledDuringPeriod" xlink:to="nwg_NumberOfSharesRepurchasedAndCancelledDuringPeriod_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfSharesRepurchasedAndCancelledDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total number of shares repurchased and cancelled during period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfSharesRepurchasedAndCancelledDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Shares Repurchased and Cancelled During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfSharesRepurchasedAndCancelledDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares repurchased and cancelled</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees" xlink:label="nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees" xlink:to="nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of total consideration of repurchased and cancelled shares excluding fees.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Consideration Of Repurchased And Cancelled Shares Excluding Fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ConsiderationOfRepurchasedAndCancelledSharesExcludingFees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total consideration of repurchased and cancelled shares excluding fees</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfSharesRepurchasedDuringPeriod" xlink:label="nwg_NumberOfSharesRepurchasedDuringPeriod" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfSharesRepurchasedDuringPeriod" xlink:to="nwg_NumberOfSharesRepurchasedDuringPeriod_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfSharesRepurchasedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total number of shares repurchased during period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfSharesRepurchasedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Shares Repurchased During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfSharesRepurchasedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares bought back</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfSharesSettledAndCancelledDuringPeriod" xlink:label="nwg_NumberOfSharesSettledAndCancelledDuringPeriod" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfSharesSettledAndCancelledDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Shares Settled and Cancelled During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_NumberOfSharesSettledAndCancelledDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares settled and cancelled</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CancellationOfTreasuryShares" xlink:label="ifrs-full_CancellationOfTreasuryShares" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTreasuryStockShares" xlink:label="nwg_IfrsTreasuryStockShares" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsTreasuryStockShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsTreasuryStockShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS Treasury Stock, Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_IfrsTreasuryStockShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of own shares held</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TreasuryShares" xlink:label="ifrs-full_TreasuryShares" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TreasuryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Treasury shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_TreasuryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value of own shares held</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NotesCalledForRedemption" xlink:label="nwg_NotesCalledForRedemption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NotesCalledForRedemption" xlink:to="nwg_NotesCalledForRedemption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NotesCalledForRedemption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of notes called by the entity for redemption.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NotesCalledForRedemption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notes Called For Redemption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NotesCalledForRedemption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">AT1 capital notes called</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effect of changes in actuarial financial assumptions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net (loss) gain as a result of significant movements in underlying actuarial assumptions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RedemptionOfPaidInCapitalIncludesTaxCredit" xlink:label="nwg_RedemptionOfPaidInCapitalIncludesTaxCredit" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RedemptionOfPaidInCapitalIncludesTaxCredit" xlink:to="nwg_RedemptionOfPaidInCapitalIncludesTaxCredit_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RedemptionOfPaidInCapitalIncludesTaxCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount represents redemption of paid in capital equity value includes tax credit.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RedemptionOfPaidInCapitalIncludesTaxCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption Of Paid in Capital Includes Tax Credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RedemptionOfPaidInCapitalIncludesTaxCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption of paid-in equity includes tax credit</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxCreditsShareBasedPayments" xlink:label="nwg_TaxCreditsShareBasedPayments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxCreditsShareBasedPayments" xlink:to="nwg_TaxCreditsShareBasedPayments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxCreditsShareBasedPayments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of share based payments of tax credits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxCreditsShareBasedPayments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Credits, Share Based Payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_TaxCreditsShareBasedPayments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share-based payments includes a tax credit</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_StatementOfCashFlowsAbstract" xlink:label="ifrs-full_StatementOfCashFlowsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_StatementOfCashFlowsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_StatementOfCashFlowsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Condensed consolidated cash flow statement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net cash flow from operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from operating activities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingProfitLossFromContinuingOperationsBeforeTax" xlink:label="nwg_OperatingProfitLossFromContinuingOperationsBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OperatingProfitLossFromContinuingOperationsBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating profit (loss) from continuing operations, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OperatingProfitLossFromContinuingOperationsBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating profit (loss) from continuing operations, before tax</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations" xlink:label="nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating profit (loss) before tax from discontinued operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating profit (loss) before tax from discontinued operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OperatingProfitLossBeforeTaxFromDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating profit before tax from discontinued operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for impairment loss (reversal of impairment loss) recognised in profit or loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment (releases)/losses</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets" xlink:label="nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments For Amortization Of Discounts And Premiums Of Other Financial Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AdjustmentsForAmortizationOfDiscountsAndPremiumsOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amortisation of discounts and premiums of other financial assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" xlink:label="nwg_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossOfAssetsOtherThanFinancialAssetsRecognisedInProfitOrLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeReceivableFromOtherFinancialAssets" xlink:label="nwg_IncomeReceivableFromOtherFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForGainLossOnDisposalsOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for gain (loss) on disposals of other financial assets to reconcile profit (loss) to net cash flow from (used in) operating activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForGainLossOnDisposalsOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments For Gain (Loss) On Disposals, Other Financial Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentsForGainLossOnDisposalsOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Profit)/loss on sale of other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:label="ifrs-full_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Profit)/loss on sale of subsidiaries and associates</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" xlink:label="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share of profit (loss) of associates accounted for using equity method</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities" xlink:label="nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of Loss/(Gain) on Sale of other assets and net liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss/(Gain) on Sale of other assets and net liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_LossGainOnSaleOfOtherAssetsAndNetLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss/(profit) on sale of other assets and net assets/liabiltiies</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" xlink:label="nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash outflow for interest paid on liabilities related to minimum requirement for own funds and eligible liabilities (MREL) and subordinated liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest On Minimum Requirement For Own Funds And Eligible Liabilities And Subordinated Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_InterestOnMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest payable on MRELs and subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" xlink:label="nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash outflow for interest paid on liabilities related to minimum requirement for own funds and eligible liabilities (MREL) and subordinated liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit On Sale of Minimum Requirement For Own Funds And Eligible Liabilities And Subordinated Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_ProfitOnSaleOfMinimumRequirementForOwnFundsAndEligibleLiabilitiesAndSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss on sale of MRELs and subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForProvisions" xlink:label="ifrs-full_AdjustmentsForProvisions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForProvisions" xlink:to="ifrs-full_AdjustmentsForProvisions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for provisions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_AdjustmentsForProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Charges and releases on provisions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in employee benefit liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInEmployeeBenefitLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Defined benefit pension schemes</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetCashInflowOutflowFromTradingActivities" xlink:label="nwg_NetCashInflowOutflowFromTradingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetCashInflowOutflowFromTradingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net Cash Inflow (Outflow) From Trading Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_NetCashInflowOutflowFromTradingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net cash flow from trading activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease/(increase) in trading assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for decrease (increase) in derivative financial assets</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for decrease (increase) in trade and other receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease/(increase) in settlement balance assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for decrease (increase) in loans and advances to banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Increase)/decrease in loans to banks</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for decrease (increase) in loans and advances to customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease/(increase) in loans to customers</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets" xlink:to="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for decrease (increase) in other financial assets to reconcile profit (loss) to net cash flow from (used in) operating activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments For Decrease (Increase) In Other Financial Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Increase)/decrease in other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for decrease (increase) in other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Increase)/decrease in other assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups" xlink:to="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for decrease (increase) in assets of disposal groups to reconcile profit (loss) to net cash flow from (used in) operating activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments For Decrease Increase In Assets of Disposal Groups</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AdjustmentsForDecreaseIncreaseInAssetsOfDisposalGroups_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase in assets of disposal groups</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in deposits from banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase/(decrease) in banks deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in deposits from customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase/(decrease) in customer deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in trade and other payables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Decrease)/increase in settlement balance liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in financial liabilities held for trading</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Decrease)/increase in trading liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in derivative financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDerivativeFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Decrease)/increase in derivative liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" xlink:label="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities" xlink:to="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in other financial liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for Increase (Decrease) in Other Financial Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase/(decrease) in other financial liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseInNotesInCirculation" xlink:label="nwg_IncreaseDecreaseInNotesInCirculation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseInNotesInCirculation" xlink:to="nwg_IncreaseDecreaseInNotesInCirculation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseInNotesInCirculation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of Increase/(decrease) in Notes in Circulation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseInNotesInCirculation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase/(decrease) in Notes in Circulation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseInNotesInCirculation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase/(decrease) in notes in circulation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for increase (decrease) in other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease in other liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet" xlink:label="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet" xlink:to="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The net increase (decrease) in operating assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase Decrease in Operating Assets and Liabilities Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="nwg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesNet_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in operating assets and liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:label="ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:to="ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income taxes paid (refund), classified as operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income taxes paid</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:to="ifrs-full_CashFlowsFromUsedInOperatingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from (used in) operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net cash flows from operating activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from (used in) investing activities [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from investing activities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" xlink:label="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets" xlink:to="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash inflow from the disposal or maturity of other financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds From Disposal Or Maturity Of Other Financial Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProceedsFromDisposalOrMaturityOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sale and maturity of other financial assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PurchaseOfOtherFinancialAssets" xlink:label="nwg_PurchaseOfOtherFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PurchaseOfOtherFinancialAssets" xlink:to="nwg_PurchaseOfOtherFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PurchaseOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash outflow for purchase of other financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PurchaseOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchase Of Other Financial Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_PurchaseOfOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchase of other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestReceivedClassifiedAsInvestingActivities" xlink:label="ifrs-full_InterestReceivedClassifiedAsInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestReceivedClassifiedAsInvestingActivities" xlink:to="ifrs-full_InterestReceivedClassifiedAsInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestReceivedClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest received, classified as investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestReceivedClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income received on other financial assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xlink:label="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets" xlink:to="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash inflow (outflow) due to the (investment in) divestment of business interests and intangible assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from used in investment divestment of business interests and intangible assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net movement in business interests and intangible assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="nwg_CashFlowsFromUsedInInvestmentDivestmentOfBusinessInterestsAndIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net outflow of cash</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:label="ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:to="ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds from sales of property, plant and equipment, classified as investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sale of property, plant and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:label="ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:to="ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchase of property, plant and equipment, classified as investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchase of property, plant and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:to="ifrs-full_CashFlowsFromUsedInInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from (used in) investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net cash flows from investing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from (used in) financing activities [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from financing activities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:label="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:to="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash movement from minimum requirement for own funds and eligible liabilities (MREL).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds From Repayments Of Minimum Requirement For Own Funds And Eligible Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_ProceedsFromRepaymentsOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Movement in MRELs</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities" xlink:label="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities" xlink:to="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash movement from subordinated liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds From Repayments Of Subordinated Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_ProceedsFromRepaymentsOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Movement in subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromIssuingShares" xlink:label="ifrs-full_ProceedsFromIssuingShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProceedsFromIssuingShares" xlink:to="ifrs-full_ProceedsFromIssuingShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProceedsFromIssuingShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds from issuing shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProceedsFromIssuingShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shares issued</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PaymentForShareCancellation" xlink:label="nwg_PaymentForShareCancellation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PaymentForShareCancellation" xlink:to="nwg_PaymentForShareCancellation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PaymentForShareCancellation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash outflow of payment for share cancellation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PaymentForShareCancellation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payment For Share Cancellation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_PaymentForShareCancellation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share cancellation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:label="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:to="ifrs-full_DividendsPaidClassifiedAsFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DividendsPaidClassifiedAsFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividends paid, classified as financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_DividendsPaidClassifiedAsFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividends paid</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromIssuingOtherEquityInstruments" xlink:label="ifrs-full_ProceedsFromIssuingOtherEquityInstruments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProceedsFromIssuingOtherEquityInstruments" xlink:to="ifrs-full_ProceedsFromIssuingOtherEquityInstruments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProceedsFromIssuingOtherEquityInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds from issuing other equity instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProceedsFromIssuingOtherEquityInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Issue of paid-in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from (used in) financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net cash flows from financing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:label="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:to="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effect of exchange rate changes on cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effects of exchange rate changes on cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:to="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net increase/(decrease) in cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net increase/(decrease) in cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashAndCashEquivalents" xlink:to="ifrs-full_CashAndCashEquivalents_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_CashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and cash equivalents at 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_CashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and cash equivalents at 1 January</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_CashAndCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:label="ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:to="ifrs-full_InterestReceivedClassifiedAsOperatingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestReceivedClassifiedAsOperatingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest received, classified as operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_InterestReceivedClassifiedAsOperatingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest received</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:label="ifrs-full_InterestPaidClassifiedAsOperatingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:to="ifrs-full_InterestPaidClassifiedAsOperatingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestPaidClassifiedAsOperatingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest paid, classified as operating activities</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory" xlink:label="ifrs-full_DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accounting policies</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfInterestIncomeAndInterestExpenseAbstract" xlink:label="nwg_DisclosureOfInterestIncomeAndInterestExpenseAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfInterestIncomeAndInterestExpenseAbstract" xlink:to="nwg_DisclosureOfInterestIncomeAndInterestExpenseAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfInterestIncomeAndInterestExpenseAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory" xlink:to="ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of interest income (expense) [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest income</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfNoninterestIncomeAbstract" xlink:to="nwg_DisclosureOfNoninterestIncomeAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfNoninterestIncomeAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfNoninterestIncomeAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-interest income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfNoninterestIncomeTextBlock" xlink:label="nwg_DisclosureOfNoninterestIncomeTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfNoninterestIncomeTextBlock" xlink:to="nwg_DisclosureOfNoninterestIncomeTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfNoninterestIncomeTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The entire disclosure of non-interest income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfNoninterestIncomeTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Noninterest Income [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfNoninterestIncomeTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MaterialIncomeAndExpenseAbstract" xlink:label="ifrs-full_MaterialIncomeAndExpenseAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MaterialIncomeAndExpenseAbstract" xlink:to="ifrs-full_MaterialIncomeAndExpenseAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MaterialIncomeAndExpenseAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock" xlink:label="nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock" xlink:to="nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the details pertaining to operating expenses, restructuring and divestment costs, and employee compensation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Operating Restructuring and Employee Compensation Expenses [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfOperatingRestructuringAndEmployeeCompensationExpensesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOperatingSegmentsAbstract" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOperatingSegmentsAbstract" xlink:to="ifrs-full_DisclosureOfOperatingSegmentsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Segmental analysis</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:label="ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:to="ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of entity's operating segments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Segmental analysis</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDefinedBenefitPlansAbstract" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDefinedBenefitPlansAbstract" xlink:to="ifrs-full_DisclosureOfDefinedBenefitPlansAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pensions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xlink:to="ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of defined benefit plans [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pensions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AuditorsRemunerationAbstract" xlink:label="ifrs-full_AuditorsRemunerationAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AuditorsRemunerationAbstract" xlink:to="ifrs-full_AuditorsRemunerationAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AuditorsRemunerationAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditor's remuneration</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfAuditorsRemunerationTextBlock" xlink:label="nwg_DisclosureOfAuditorsRemunerationTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfAuditorsRemunerationTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The entire disclosure for auditor's remuneration.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfAuditorsRemunerationTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Auditors Remuneration [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfAuditorsRemunerationTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditor's remuneration</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract" xlink:label="ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfIncomeTaxExplanatory" xlink:label="ifrs-full_DisclosureOfIncomeTaxExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfIncomeTaxExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of income tax [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfIncomeTaxExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsAbstract" xlink:label="nwg_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsAbstract" xlink:to="nwg_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discontinued operations and assets and liabilities of disposal groups</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory" xlink:label="ifrs-full_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory" xlink:to="ifrs-full_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of non-current assets held for sale and discontinued operations [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discontinued operations and assets and liabilities of disposal groups</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfEarningsPerShareExplanatory" xlink:label="ifrs-full_DisclosureOfEarningsPerShareExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfEarningsPerShareExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of earnings per share [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfEarningsPerShareExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Earnings per share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsAbstract" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialInstrumentsAbstract" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments - classification</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial instruments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments - classification</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFairValueMeasurementExplanatory" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFairValueMeasurementExplanatory" xlink:to="ifrs-full_DisclosureOfFairValueMeasurementExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of fair value measurement [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments - valuation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MaturityAnalysisForFinancialInstrumentsTextBlock" xlink:label="nwg_MaturityAnalysisForFinancialInstrumentsTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MaturityAnalysisForFinancialInstrumentsTextBlock" xlink:to="nwg_MaturityAnalysisForFinancialInstrumentsTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MaturityAnalysisForFinancialInstrumentsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The entire disclosure of a maturity analysis for financial instruments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MaturityAnalysisForFinancialInstrumentsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maturity Analysis For Financial Instruments [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_MaturityAnalysisForFinancialInstrumentsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments - maturity analysis</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingAssetsAndLiabilitiesAbstract" xlink:label="nwg_TradingAssetsAndLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingAssetsAndLiabilitiesAbstract" xlink:to="nwg_TradingAssetsAndLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingAssetsAndLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingAssetsAndLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets and liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock" xlink:to="nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of trading assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Trading Assets and Liabilities [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets and liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsAbstract" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsAbstract" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:label="ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:to="ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of derivative financial instruments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfLoanImpairmentProvisionsAbstract" xlink:label="nwg_DisclosureOfLoanImpairmentProvisionsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfLoanImpairmentProvisionsAbstract" xlink:to="nwg_DisclosureOfLoanImpairmentProvisionsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfLoanImpairmentProvisionsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfLoanImpairmentProvisionsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loan impairment provisions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" xlink:to="ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of impairment of assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loan impairment provisions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CategoriesOfFinancialAssetsAbstract" xlink:label="ifrs-full_CategoriesOfFinancialAssetsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CategoriesOfFinancialAssetsAbstract" xlink:to="ifrs-full_CategoriesOfFinancialAssetsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CategoriesOfFinancialAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CategoriesOfFinancialAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets carried at amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfOtherFinancialAssetsTextBlock" xlink:label="nwg_DisclosureOfOtherFinancialAssetsTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfOtherFinancialAssetsTextBlock" xlink:to="nwg_DisclosureOfOtherFinancialAssetsTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfOtherFinancialAssetsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of other financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfOtherFinancialAssetsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Other Financial Assets [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfOtherFinancialAssetsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfIntangibleAssetsAbstract" xlink:label="ifrs-full_DisclosureOfIntangibleAssetsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfIntangibleAssetsAbstract" xlink:to="ifrs-full_DisclosureOfIntangibleAssetsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfIntangibleAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:label="ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:to="ifrs-full_DisclosureOfIntangibleAssetsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfIntangibleAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of intangible assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfIntangibleAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Ifrs_otherAssetsAbstract" xlink:label="nwg_Ifrs_otherAssetsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Ifrs_otherAssetsAbstract" xlink:to="nwg_Ifrs_otherAssetsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Ifrs_otherAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Ifrs_otherAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:label="ifrs-full_DisclosureOfOtherAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:to="ifrs-full_DisclosureOfOtherAssetsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOtherAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of other assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfOtherAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CategoriesOfFinancialLiabilitiesAbstract" xlink:label="ifrs-full_CategoriesOfFinancialLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CategoriesOfFinancialLiabilitiesAbstract" xlink:to="ifrs-full_CategoriesOfFinancialLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CategoriesOfFinancialLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:label="nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:to="nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The entire disclosure of other financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Other Financial Liabilities [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfOtherFinancialLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SubordinatedLiabilitiesAbstract" xlink:label="ifrs-full_SubordinatedLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SubordinatedLiabilitiesAbstract" xlink:to="ifrs-full_SubordinatedLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SubordinatedLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:label="ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:to="ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of subordinated liabilities [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Ifrs_otherLiabilitiesAbstract" xlink:label="nwg_Ifrs_otherLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Ifrs_otherLiabilitiesAbstract" xlink:to="nwg_Ifrs_otherLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Ifrs_otherLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Ifrs_otherLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other liabilities.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:label="ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:to="ifrs-full_DisclosureOfOtherLiabilitiesExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOtherLiabilitiesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of other liabilities [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfOtherLiabilitiesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xlink:to="ifrs-full_DisclosureOfClassesOfShareCapitalAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share capital and other equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory" xlink:label="ifrs-full_DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory" xlink:to="ifrs-full_DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of share capital, reserves and other equity interest [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share capital and other equity</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfLeasesAbstract" xlink:label="nwg_DisclosureOfLeasesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfLeasesAbstract" xlink:to="nwg_DisclosureOfLeasesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfLeasesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfLeasesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Leases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfLeasesExplanatory" xlink:label="ifrs-full_DisclosureOfLeasesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfLeasesExplanatory" xlink:to="ifrs-full_DisclosureOfLeasesExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfLeasesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of leases [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfLeasesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Leases</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfInformationAboutStructuredEntitiesAbstract" xlink:label="nwg_DisclosureOfInformationAboutStructuredEntitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfInformationAboutStructuredEntitiesAbstract" xlink:to="nwg_DisclosureOfInformationAboutStructuredEntitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfInformationAboutStructuredEntitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfInformationAboutStructuredEntitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Structured entities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:label="ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:to="ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of interests in other entities [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Structured entities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfTransferOfFinancialAssetsAbstract" xlink:label="nwg_DisclosureOfTransferOfFinancialAssetsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfTransferOfFinancialAssetsAbstract" xlink:to="nwg_DisclosureOfTransferOfFinancialAssetsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfTransferOfFinancialAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfTransferOfFinancialAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Asset transfers</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:label="ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:to="ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of transfers of financial assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Asset transfers</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CapitalResourcesAbstract" xlink:label="nwg_CapitalResourcesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CapitalResourcesAbstract" xlink:to="nwg_CapitalResourcesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CapitalResourcesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CapitalResourcesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital resources</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory" xlink:to="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of objectives, policies and processes for managing capital [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital resources</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfContingentLiabilitiesAbstract" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfContingentLiabilitiesAbstract" xlink:to="ifrs-full_DisclosureOfContingentLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Memorandum items</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfCommitmentsExplanatory" xlink:label="ifrs-full_DisclosureOfCommitmentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfCommitmentsExplanatory" xlink:to="ifrs-full_DisclosureOfCommitmentsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfCommitmentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of commitments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfCommitmentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Memorandum items</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsAbstract" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsAbstract" xlink:to="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of the net investment in business interests and intangible assets [abstract].</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of the net investment in business interests and intangible assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock" xlink:to="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure for the analysis of the net investment in business interests and intangible assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of the net investment in business interests and intangible assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of the net investment in business interests and intangible assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AnalysisOfChangesInFinancingDuringYearAbstract" xlink:label="nwg_AnalysisOfChangesInFinancingDuringYearAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AnalysisOfChangesInFinancingDuringYearAbstract" xlink:to="nwg_AnalysisOfChangesInFinancingDuringYearAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AnalysisOfChangesInFinancingDuringYearAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of changes in financing during the year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AnalysisOfChangesInFinancingDuringYearAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of changes in financing during the year</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfChangesInShareCapitalReservesAndOtherEquityInterestAndSubordinatedLiabilitiesTextBlock" xlink:label="nwg_DisclosureOfChangesInShareCapitalReservesAndOtherEquityInterestAndSubordinatedLiabilitiesTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfChangesInShareCapitalReservesAndOtherEquityInterestAndSubordinatedLiabilitiesTextBlock" xlink:to="nwg_DisclosureOfChangesInShareCapitalReservesAndOtherEquityInterestAndSubordinatedLiabilitiesTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfChangesInShareCapitalReservesAndOtherEquityInterestAndSubordinatedLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure for changes in share capital, reserves, other equity interest and subordinated liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfChangesInShareCapitalReservesAndOtherEquityInterestAndSubordinatedLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of changes in share capital, reserves and other equity interest and subordinated liabilities [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfChangesInShareCapitalReservesAndOtherEquityInterestAndSubordinatedLiabilitiesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of changes in financing during the year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashAndCashEquivalentsAbstract" xlink:label="ifrs-full_CashAndCashEquivalentsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashAndCashEquivalentsAbstract" xlink:to="ifrs-full_CashAndCashEquivalentsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashAndCashEquivalentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfCashAndCashEquivalentsExplanatory" xlink:label="ifrs-full_DisclosureOfCashAndCashEquivalentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfCashAndCashEquivalentsExplanatory" xlink:to="ifrs-full_DisclosureOfCashAndCashEquivalentsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfCashAndCashEquivalentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of cash and cash equivalents [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfCashAndCashEquivalentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DirectorsAndKeyManagementRemunerationAbstract" xlink:label="nwg_DirectorsAndKeyManagementRemunerationAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DirectorsAndKeyManagementRemunerationAbstract" xlink:to="nwg_DirectorsAndKeyManagementRemunerationAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DirectorsAndKeyManagementRemunerationAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Directors' and key management remuneration abstract.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DirectorsAndKeyManagementRemunerationAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Directors' and key management remuneration</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfDirectorsAndKeyManagementRemuneration" xlink:label="nwg_DisclosureOfDirectorsAndKeyManagementRemuneration" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfDirectorsAndKeyManagementRemuneration" xlink:to="nwg_DisclosureOfDirectorsAndKeyManagementRemuneration_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfDirectorsAndKeyManagementRemuneration_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of directors' and key management remuneration.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfDirectorsAndKeyManagementRemuneration_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of directors and key management remuneration</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfDirectorsAndKeyManagementRemuneration_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Directors' and key management remuneration</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract" xlink:label="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract" xlink:to="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagementAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transactions with directors and key management</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement" xlink:label="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement" xlink:to="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The entire disclosure for transactions with directors and key management.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of information about transactions with directors and key management</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfInformationAboutTransactionsWithDirectorsAndKeyManagement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transactions with directors and key management</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesAbstract" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesAbstract" xlink:to="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Related parties</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:label="ifrs-full_DisclosureOfRelatedPartyExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:to="ifrs-full_DisclosureOfRelatedPartyExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfRelatedPartyExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of related party [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfRelatedPartyExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Related parties</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfEventsAfterReportingPeriodAbstract" xlink:label="nwg_DisclosureOfEventsAfterReportingPeriodAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfEventsAfterReportingPeriodAbstract" xlink:to="nwg_DisclosureOfEventsAfterReportingPeriodAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfEventsAfterReportingPeriodAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">N/A.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfEventsAfterReportingPeriodAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Post balance sheet events</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory" xlink:label="ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory" xlink:to="ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of events after reporting period [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Post balance sheet events</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock" xlink:label="nwg_DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock" xlink:to="nwg_DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The description of accounting policy for presentation of accounts.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for presentation of accounts [Policy Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DescriptionOfAccountingPolicyForPresentationOfAccountsPolicyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Presentation of accounts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForRecognitionOfRevenue" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForRecognitionOfRevenue" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForRecognitionOfRevenue" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForRecognitionOfRevenue_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForRecognitionOfRevenue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for recognition of revenue [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForRecognitionOfRevenue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Revenue recognition</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for non-current assets or disposal groups classified as held for sale and discontinued operations [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discontinued operations, Held for sale and Disposal group</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DescriptionOfAccountingPolicyForStaffCosts" xlink:label="nwg_DescriptionOfAccountingPolicyForStaffCosts" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DescriptionOfAccountingPolicyForStaffCosts" xlink:to="nwg_DescriptionOfAccountingPolicyForStaffCosts_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DescriptionOfAccountingPolicyForStaffCosts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The description of accounting policy for staff costs.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DescriptionOfAccountingPolicyForStaffCosts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description Of Accounting Policy For Staff Costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DescriptionOfAccountingPolicyForStaffCosts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Staff costs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for intangible assets and goodwill [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets and goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for impairment of assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment of non-financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for foreign currency translation [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign currencies</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForProvisionsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForProvisionsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForProvisionsExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForProvisionsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForProvisionsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for provisions [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForProvisionsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provisions and contingent liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for income tax [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForFinancialAssetsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForFinancialAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForFinancialAssetsExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForFinancialAssetsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForFinancialAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for financial assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForFinancialAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for impairment of financial assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment: expected credit losses (ECL)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for derecognition of financial instruments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derecognition</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for offsetting of financial instruments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Netting</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForIssuedCapitalExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIssuedCapitalExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIssuedCapitalExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for issued capital [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIssuedCapitalExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital instruments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of accounting policy for derivative financial instruments and hedging [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives and hedging</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities" xlink:label="nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities" xlink:to="nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of accounting policy for Shares in Group entities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of Accounting Policy for Shares in Group Entities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DescriptionOfAccountingPolicyForSharesInGroupEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Investment in Group Undertakings</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock" xlink:label="nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock" xlink:to="nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The description of the entity's accounting policy for critical accounting policies and key sources of estimation uncertainty.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of Accounting Policy for Critical Accounting Policies and Key Sources of Estimation Uncertainty [Text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DescriptionOfAccountingPolicyForCriticalAccountingPoliciesAndKeySourcesOfEstimationUncertaintyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Critical accounting policies and key sources of estimation uncertainty</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock" xlink:label="nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock" xlink:to="nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of accounting policy for accounting developments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Description of nature of accounting developments policy text block</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DescriptionOfNatureOfAccountingDevelopmentsPolicyTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Future accounting developments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock" xlink:label="nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock" xlink:to="nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of estimated economic useful life of intangible assets and goodwill.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of estimated economic useful life of intangible assets and goodwill [table text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfEstimatedEconomicUsefulLifeOfIntangibleAssetsAndGoodwillTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of estimated useful economic lives</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinanceIncomeExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfFinanceIncomeExpenseExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinanceIncomeExpenseExplanatory" xlink:to="ifrs-full_DisclosureOfFinanceIncomeExpenseExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinanceIncomeExpenseExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of finance income (cost) [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFinanceIncomeExpenseExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of Net interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOtherOperatingIncomeExplanatory" xlink:label="ifrs-full_DisclosureOfOtherOperatingIncomeExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOtherOperatingIncomeExplanatory" xlink:to="ifrs-full_DisclosureOfOtherOperatingIncomeExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOtherOperatingIncomeExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of other operating income [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfOtherOperatingIncomeExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of Non-interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xlink:label="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xlink:to="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of terms and conditions of share-based payment arrangement [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xlink:label="ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xlink:to="ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Types of share-based payment arrangements [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SharebasedPaymentArrangementsMember" xlink:label="ifrs-full_SharebasedPaymentArrangementsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SharebasedPaymentArrangementsMember" xlink:to="ifrs-full_SharebasedPaymentArrangementsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SharebasedPaymentArrangementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sharebased Payment Arrangements [Member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SharesaveOptionsMember" xlink:label="nwg_SharesaveOptionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SharesaveOptionsMember" xlink:to="nwg_SharesaveOptionsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SharesaveOptionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Sharesave Options.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SharesaveOptionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sharesave</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredPerformanceAwardsMember" xlink:label="nwg_DeferredPerformanceAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredPerformanceAwardsMember" xlink:to="nwg_DeferredPerformanceAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredPerformanceAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deferred performance awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredPerformanceAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred performance awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LongTermIncentiveMember" xlink:label="nwg_LongTermIncentiveMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LongTermIncentiveMember" xlink:to="nwg_LongTermIncentiveMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LongTermIncentiveMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for long term incentives.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LongTermIncentiveMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Long-term incentives</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xlink:label="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xlink:to="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of terms and conditions of share-based payment arrangement [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share-based payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfOperatingExpensesTextBlock" xlink:label="nwg_DisclosureOfOperatingExpensesTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfOperatingExpensesTextBlock" xlink:to="nwg_DisclosureOfOperatingExpensesTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfOperatingExpensesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the details pertaining to operating expenses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfOperatingExpensesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Operating Expenses [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfOperatingExpensesTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of operating expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInformationAboutEmployeesExplanatory" xlink:label="ifrs-full_DisclosureOfInformationAboutEmployeesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInformationAboutEmployeesExplanatory" xlink:to="ifrs-full_DisclosureOfInformationAboutEmployeesExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInformationAboutEmployeesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of information about employees [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfInformationAboutEmployeesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of employees in continuing operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfSharebasedPaymentArrangementsExplanatory" xlink:label="ifrs-full_DisclosureOfSharebasedPaymentArrangementsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfSharebasedPaymentArrangementsExplanatory" xlink:to="ifrs-full_DisclosureOfSharebasedPaymentArrangementsExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfSharebasedPaymentArrangementsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of share-based payment arrangements [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfSharebasedPaymentArrangementsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of share-based compensation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfBonusAwardsTableTextBlock" xlink:label="nwg_DisclosureOfBonusAwardsTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfBonusAwardsTableTextBlock" xlink:to="nwg_DisclosureOfBonusAwardsTableTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfBonusAwardsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tabular disclosure of bonus awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfBonusAwardsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Bonus awards [Table Text Block]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of operating segments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of operating segments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfGeographicalAreasExplanatory" xlink:label="ifrs-full_DisclosureOfGeographicalAreasExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfGeographicalAreasExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of geographical areas [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfGeographicalAreasExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of geographical segments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory" xlink:label="ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of fair value of plan assets [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Major classes of plan assets as a percentage of total plan assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock" xlink:label="nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock" xlink:to="nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure for derivative financial instruments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Derivative Financial Instruments Relating To Pension [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfDerivativeFinancialInstrumentsRelatingToPensionTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Summary of derivative instruments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" xlink:label="ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of net defined benefit liability (asset) [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in value of net pension liability</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ScheduleOfPensionCostOnIncomeStatementTableTextBlock" xlink:label="nwg_ScheduleOfPensionCostOnIncomeStatementTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ScheduleOfPensionCostOnIncomeStatementTableTextBlock" xlink:to="nwg_ScheduleOfPensionCostOnIncomeStatementTableTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ScheduleOfPensionCostOnIncomeStatementTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tabular disclosure of pension cost on income statement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ScheduleOfPensionCostOnIncomeStatementTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule Of Pension Cost On Income Statement [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ScheduleOfPensionCostOnIncomeStatementTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of income statement charge</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfPrincipalActuarialAssumptionsTableTextBlock" xlink:label="nwg_DisclosureOfPrincipalActuarialAssumptionsTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfPrincipalActuarialAssumptionsTableTextBlock" xlink:to="nwg_DisclosureOfPrincipalActuarialAssumptionsTableTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfPrincipalActuarialAssumptionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of Disclosure of principal actuarial assumptions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfPrincipalActuarialAssumptionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of principal actuarial assumptions [table text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfPrincipalActuarialAssumptionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Principal actuarial assumptions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory" xlink:label="ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of sensitivity analysis for actuarial assumptions [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sensitivities of the present value of defined benefit obligations</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfDifferentClassesOfSchemeMembersProportionsTableTextBlock" xlink:label="nwg_DisclosureOfDifferentClassesOfSchemeMembersProportionsTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfDifferentClassesOfSchemeMembersProportionsTableTextBlock" xlink:to="nwg_DisclosureOfDifferentClassesOfSchemeMembersProportionsTableTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfDifferentClassesOfSchemeMembersProportionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of different classes of scheme members proportions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfDifferentClassesOfSchemeMembersProportionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of different classes of scheme members proportions [table text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfDifferentClassesOfSchemeMembersProportionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Different classes of scheme members proportions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfAdditionalInformationAboutDefinedBenefitPlansExplanatory" xlink:label="ifrs-full_DisclosureOfAdditionalInformationAboutDefinedBenefitPlansExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfAdditionalInformationAboutDefinedBenefitPlansExplanatory" xlink:to="ifrs-full_DisclosureOfAdditionalInformationAboutDefinedBenefitPlansExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfAdditionalInformationAboutDefinedBenefitPlansExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of additional information about defined benefit plans [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfAdditionalInformationAboutDefinedBenefitPlansExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">History of defined benefit schemes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfAuditorsRemunerationExplanatory" xlink:label="ifrs-full_DisclosureOfAuditorsRemunerationExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfAuditorsRemunerationExplanatory" xlink:to="ifrs-full_DisclosureOfAuditorsRemunerationExplanatory_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfAuditorsRemunerationExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of auditors' remuneration [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfAuditorsRemunerationExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of auditor's remuneration</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:label="nwg_DisclosureOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforward, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Components of Income Tax Expense (Benefit) [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of current and deferred tax expense</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="nwg_DisclosureOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pre tax income from continuing operations.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Effective Income Tax Rate Reconciliation [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of reconciliation of actual tax charge from the expected tax charge</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDeferredTaxesExplanatory" xlink:label="ifrs-full_DisclosureOfDeferredTaxesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDeferredTaxesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of deferred taxes [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfDeferredTaxesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of deferred tax asset and liability</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" xlink:label="ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory" xlink:label="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ScheduleOfIssuanceOfCapitalInstrumentsTableTextBlock" xlink:label="nwg_ScheduleOfIssuanceOfCapitalInstrumentsTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ScheduleOfIssuanceOfCapitalInstrumentsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The tabular disclosure of issuance of certain capital instruments.</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock" xlink:label="nwg_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of the fair value measurement of assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Fair Value Measurement Of Assets And Liabilities Explanatory [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesExplanatoryTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of financial assets and liabilities at fair value by valuation hierarchy</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ScheduleOfFinancialInstrumentsValuationAdjustmentsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial instruments valuation adjustments are made to mid-market valuations to cover bid-offer spread, liquidity and credit risk.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ScheduleOfFinancialInstrumentsValuationAdjustmentsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of Financial instruments Valuation Adjustments [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ScheduleOfFinancialInstrumentsValuationAdjustmentsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of financial instruments valuation adjustments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfFinancialInstrumentsExplanatoryTableTextBlock" xlink:label="nwg_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfFinancialInstrumentsExplanatoryTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfFinancialInstrumentsExplanatoryTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of significant inputs for which market data are not available and that are developed using the best information available about the assumptions that market participants would use when measuring the fair value of assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfFinancialInstrumentsExplanatoryTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Financial Instruments Explanatory [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfFinancialInstrumentsExplanatoryTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of valuation techniques for unobservable inputs of level 3 financial instruments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfFairValueMeasurementValuationSensitivitiesForLevel3BalancesTableTextBlock" xlink:label="nwg_DisclosureOfFairValueMeasurementValuationSensitivitiesForLevel3BalancesTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfFairValueMeasurementValuationSensitivitiesForLevel3BalancesTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Fair Value Measurement, Valuation Sensitivities for Level 3 Balances [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ScheduleOfOtherLiabilitiesDisclosureTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule detailing of other liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ScheduleOfOtherLiabilitiesDisclosureTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of Other Liabilities Disclosure [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ScheduleOfOtherLiabilitiesDisclosureTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of other liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ScheduleOfProvisionsTableTextBlock" xlink:label="nwg_ScheduleOfProvisionsTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ScheduleOfProvisionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of provisions [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ScheduleOfProvisionsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule for provisions for liabilities and charges</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfClassesOfShareCapitalExplanatory" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of classes of share capital [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of allotted, called up and fully paid shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock" xlink:label="nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock" xlink:to="nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The tabular disclosure of the movement of ordinary shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule Of Movement Of Ordinary Shares [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ScheduleOfMovementOfOrdinarySharesTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of movement in allotted, called up and fully paid ordinary shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ScheduleOfNonCumulativePreferenceSharesTableTextBlock" xlink:label="nwg_ScheduleOfNonCumulativePreferenceSharesTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ScheduleOfNonCumulativePreferenceSharesTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The tabular disclosure of non-cumulative preference shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ScheduleOfNonCumulativePreferenceSharesTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule Of Non Cumulative Preference Shares [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ScheduleOfNonCumulativePreferenceSharesTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of non-cumulative preference shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfOtherEquityInstrumentsTableTextBlock" xlink:label="nwg_DisclosureOfOtherEquityInstrumentsTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfOtherEquityInstrumentsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of other equity instruments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfOtherEquityInstrumentsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of other equity instruments [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfOtherEquityInstrumentsTableTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of other equity instruments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory" xlink:label="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of quantitative information about right-of-use assets [text block]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfAdditionalInformationAboutLeasingActivitiesForLessorExplanatory" xlink:label="ifrs-full_DisclosureOfAdditionalInformationAboutLeasingActivitiesForLessorExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfAdditionalInformationAboutLeasingActivitiesForLessorExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of amounts included in consolidated income statement for lessor leases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of maturity analysis of finance lease payments receivable [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of amount receivable under finance leases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of maturity analysis of operating lease payments [text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of undiscounted lease receipts from operating leases</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory" xlink:label="nwg_DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure for detailed information about Lessor assets under operating lease on the balance sheet.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Detailed Information About Lessor Operating Lease Assets On Balance Sheet Explanatory</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfDetailedInformationAboutLessorOperatingLeaseAssetsOnBalanceSheetExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of nature of operating lease assets on the balance sheet</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock" xlink:label="nwg_DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The disclosure of a maturity analysis of Investment payments. Investment is a lease that does not transfer substantially all the risks and rewards incidental to ownership of an underlying asset.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Maturity Analysis Of Investment Payments Explanatory [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfMaturityAnalysisOfInvestmentPaymentsExplanatoryTextBlock_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule of undiscounted lease receipts from investment properties</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInterestsInUnconsolidatedStructuredEntitiesExplanatory" xlink:label="ifrs-full_DisclosureOfInterestsInUnconsolidatedStructuredEntitiesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesExplanatory_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule Of Contractual Obligation For Future Expenditure [Table Text Block]</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTableTextBlock" xlink:label="nwg_AnalysisOfNetInvestmentInBusinessInterestsAndIntangibleAssetsTableTextBlock" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfInformationAboutDirectors" xlink:label="nwg_DisclosureOfInformationAboutDirectors" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:label="ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:label="ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RangeAxis" xlink:label="ifrs-full_RangeAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IntangibleAssetsOtherThanGoodwillMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets other than goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IntangibleAssetsOtherThanGoodwillMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ComputerSoftwareMember" xlink:label="ifrs-full_ComputerSoftwareMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ComputerSoftwareMember" xlink:to="ifrs-full_ComputerSoftwareMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ComputerSoftwareMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Computer software</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherIntangibleAssetsMember" xlink:label="ifrs-full_OtherIntangibleAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherIntangibleAssetsMember" xlink:to="ifrs-full_OtherIntangibleAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherIntangibleAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other acquired intangibles</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfFinancialAssetsAxis" xlink:label="ifrs-full_ClassesOfFinancialAssetsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfFinancialAssetsAxis" xlink:to="ifrs-full_ClassesOfFinancialAssetsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfFinancialAssetsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of financial assets [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsMember" xlink:label="ifrs-full_FinancialAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsMember" xlink:to="ifrs-full_FinancialAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MortgagesMember" xlink:label="ifrs-full_MortgagesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MortgagesMember" xlink:to="ifrs-full_MortgagesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MortgagesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Retail mortgages</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CreditCardsMember" xlink:label="nwg_CreditCardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CreditCardsMember" xlink:to="nwg_CreditCardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CreditCardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for credit cards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CreditCardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit cards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OverdraftsAndOtherUnsecuredLoansMember" xlink:label="nwg_OverdraftsAndOtherUnsecuredLoansMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OverdraftsAndOtherUnsecuredLoansMember" xlink:to="nwg_OverdraftsAndOtherUnsecuredLoansMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OverdraftsAndOtherUnsecuredLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for overdrafts and other unsecured loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OverdraftsAndOtherUnsecuredLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Overdrafts and other unsecured loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ConsumerLoansMember" xlink:label="ifrs-full_ConsumerLoansMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ConsumerLoansMember" xlink:to="ifrs-full_ConsumerLoansMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ConsumerLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Business loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xlink:label="ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xlink:to="ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of initial application of standards or interpretations [line items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:label="ifrs-full_IntangibleAssetsAndGoodwillAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:to="ifrs-full_IntangibleAssetsAndGoodwillAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IntangibleAssetsAndGoodwillAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets and goodwill [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IntangibleAssetsAndGoodwillAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets and goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xlink:label="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xlink:to="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Useful lives, intangible assets other than goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Estimated useful economic lives</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialAssetWriteoffPeriod" xlink:label="nwg_FinancialAssetWriteoffPeriod" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialAssetWriteoffPeriod" xlink:to="nwg_FinancialAssetWriteoffPeriod_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialAssetWriteoffPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The typical time frames from initial impairment to write off.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialAssetWriteoffPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Asset Writeoff Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FinancialAssetWriteoffPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Write off period</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AccountingDevelopmentsAbstract" xlink:label="nwg_AccountingDevelopmentsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AccountingDevelopmentsAbstract" xlink:to="nwg_AccountingDevelopmentsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AccountingDevelopmentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AccountingDevelopmentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accounting Developments [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AccountingDevelopmentsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accounting developments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff" xlink:label="nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff" xlink:to="nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of arrear cycles after which the financial asset is written off.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Arrear Cycles After Which Financial Asset Is Written Off</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfArrearCyclesAfterWhichFinancialAssetIsWrittenOff_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of arrear cycles after which the financial asset is written off</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks" xlink:label="ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks" xlink:to="ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest income on cash and bank balances at central banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestIncomeOnCashAndBankBalancesAtCentralBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balances at central banks</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks" xlink:to="ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest income on loans and advances to banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to banks - amortised cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers" xlink:to="ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest income on loans and advances to customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers - amortised cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestIncomeOnOtherFinancialAssets" xlink:label="ifrs-full_InterestIncomeOnOtherFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestIncomeOnOtherFinancialAssets" xlink:to="ifrs-full_InterestIncomeOnOtherFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestIncomeOnOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest income on other financial assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestIncomeOnOtherFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseOnDepositsFromBanks" xlink:label="ifrs-full_InterestExpenseOnDepositsFromBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestExpenseOnDepositsFromBanks" xlink:to="ifrs-full_InterestExpenseOnDepositsFromBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestExpenseOnDepositsFromBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest expense on deposits from banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestExpenseOnDepositsFromBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balances with banks</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestExpenseOnCustomerDeposits" xlink:label="nwg_InterestExpenseOnCustomerDeposits" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InterestExpenseOnCustomerDeposits" xlink:to="nwg_InterestExpenseOnCustomerDeposits_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterestExpenseOnCustomerDeposits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of interest expense on customer deposits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterestExpenseOnCustomerDeposits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest Expense On Customer Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_InterestExpenseOnCustomerDeposits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Customer deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:label="ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:to="ifrs-full_InterestExpenseOnOtherFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestExpenseOnOtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest expense on other financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestExpenseOnOtherFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestExpenseOnSubordinatedLiabilities" xlink:label="nwg_InterestExpenseOnSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InterestExpenseOnSubordinatedLiabilities" xlink:to="nwg_InterestExpenseOnSubordinatedLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterestExpenseOnSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of interest expense on subordinated liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterestExpenseOnSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest Expense On Subordinated Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_InterestExpenseOnSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xlink:label="ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading" xlink:to="ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest expense on financial liabilities held for trading</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestExpenseOnFinancialLiabilitiesHeldForTrading_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Internal funding of trading businesses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsTable" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialInstrumentsTable" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about financial instruments [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BusinessCombinationsAxis" xlink:label="ifrs-full_BusinessCombinationsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BusinessCombinationsAxis" xlink:to="ifrs-full_BusinessCombinationsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BusinessCombinationsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Business combinations [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForBusinessCombinationsMember" xlink:label="ifrs-full_EntitysTotalForBusinessCombinationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForBusinessCombinationsMember" xlink:to="ifrs-full_EntitysTotalForBusinessCombinationsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForBusinessCombinationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity's total for business combinations [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AlawwalBankMergerMember" xlink:label="nwg_AlawwalBankMergerMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AlawwalBankMergerMember" xlink:to="nwg_AlawwalBankMergerMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AlawwalBankMergerMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Alawwal bank merger.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AlawwalBankMergerMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Alawwal bank merger</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xlink:label="ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xlink:to="ifrs-full_SignificantInvestmentsInSubsidiariesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SignificantInvestmentsInSubsidiariesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subsidiaries [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForSubsidiariesMember" xlink:label="ifrs-full_EntitysTotalForSubsidiariesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForSubsidiariesMember" xlink:to="ifrs-full_EntitysTotalForSubsidiariesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForSubsidiariesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity's total for subsidiaries [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RfsHoldingsMember" xlink:label="nwg_RfsHoldingsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RfsHoldingsMember" xlink:to="nwg_RfsHoldingsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RfsHoldingsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RfsHoldingsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">RFS Holdings</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UbiDacMember" xlink:label="nwg_UbiDacMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UbiDacMember" xlink:to="nwg_UbiDacMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UbiDacMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for UBIDAC</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UbiDacMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UBIDAC</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UkMortgagesPortfolioMember" xlink:label="nwg_UkMortgagesPortfolioMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UkMortgagesPortfolioMember" xlink:to="nwg_UkMortgagesPortfolioMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UkMortgagesPortfolioMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for UK mortgages portfolio.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UkMortgagesPortfolioMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK mortgages portfolio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about financial instruments [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncomeAbstract" xlink:label="ifrs-full_FeeAndCommissionIncomeAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FeeAndCommissionIncomeAbstract" xlink:to="ifrs-full_FeeAndCommissionIncomeAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FeeAndCommissionIncomeAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fee and commission income [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FeeAndCommissionIncomeAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees and commissions receivable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FeeAndCommissionIncomeExpense" xlink:to="ifrs-full_FeeAndCommissionIncomeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fee and commission income (expense)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net fees and commissions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net fees and commissions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpenseAbstract" xlink:label="ifrs-full_TradingIncomeExpenseAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradingIncomeExpenseAbstract" xlink:to="ifrs-full_TradingIncomeExpenseAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradingIncomeExpenseAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading income (expense) [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TradingIncomeExpenseAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from trading activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts" xlink:label="ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts" xlink:to="ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading income (expense) on foreign exchange contracts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TradingIncomeExpenseOnForeignExchangeContracts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign exchange</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingIncomeExpenseOnInterestRate" xlink:label="nwg_TradingIncomeExpenseOnInterestRate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingIncomeExpenseOnInterestRate" xlink:to="nwg_TradingIncomeExpenseOnInterestRate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingIncomeExpenseOnInterestRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of trading income (expense) relating to interest rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingIncomeExpenseOnInterestRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading Income Expense On Interest Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TradingIncomeExpenseOnInterestRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingIncomeExpenseOnCredit" xlink:label="nwg_TradingIncomeExpenseOnCredit" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingIncomeExpenseOnCredit" xlink:to="nwg_TradingIncomeExpenseOnCredit_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingIncomeExpenseOnCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of trading income (expense) relating to credit.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingIncomeExpenseOnCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading Income Expense On Credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TradingIncomeExpenseOnCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract" xlink:label="ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract" xlink:to="ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current financial liabilities at fair value through profit or loss [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CurrentFinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in fair value of own debt and derivative liabilities attributable to own credit risk</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DebtSecuritiesInterestIncome" xlink:label="nwg_DebtSecuritiesInterestIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DebtSecuritiesInterestIncome" xlink:to="nwg_DebtSecuritiesInterestIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DebtSecuritiesInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DebtSecuritiesInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt Securities, Interest Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DebtSecuritiesInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">- debt securities in issue</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialLiabilitiesInterestIncome" xlink:label="nwg_DerivativeFinancialLiabilitiesInterestIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativeFinancialLiabilitiesInterestIncome" xlink:to="nwg_DerivativeFinancialLiabilitiesInterestIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativeFinancialLiabilitiesInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativeFinancialLiabilitiesInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative Financial Liabilities, Interest Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DerivativeFinancialLiabilitiesInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">- derivative liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingIncomeExpenseOnEquityInstruments" xlink:label="ifrs-full_TradingIncomeExpenseOnEquityInstruments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradingIncomeExpenseOnEquityInstruments" xlink:to="ifrs-full_TradingIncomeExpenseOnEquityInstruments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradingIncomeExpenseOnEquityInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading income (expense) on equity instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TradingIncomeExpenseOnEquityInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity, commodities and other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsGainsLossesOnExtinguishmentOfDebt" xlink:label="nwg_IfrsGainsLossesOnExtinguishmentOfDebt" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsGainsLossesOnExtinguishmentOfDebt" xlink:to="nwg_IfrsGainsLossesOnExtinguishmentOfDebt_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsGainsLossesOnExtinguishmentOfDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Difference between the fair value of payments made and the carrying amount of debt which is extinguished prior to maturity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsGainsLossesOnExtinguishmentOfDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs Gains Losses on Extinguishment of Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_IfrsGainsLossesOnExtinguishmentOfDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss on redemption of own debt</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingLeaseAndOtherRentalIncome" xlink:label="nwg_OperatingLeaseAndOtherRentalIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OperatingLeaseAndOtherRentalIncome" xlink:to="nwg_OperatingLeaseAndOtherRentalIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OperatingLeaseAndOtherRentalIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of operating lease and other rental income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OperatingLeaseAndOtherRentalIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating Lease and Other Rental Income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" xlink:label="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities" xlink:to="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of gains (losses) on assets and liabilities held at fair value through profit or loss and related derivatives.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains Losses Recognised In Profit Or Loss Fair Value measurement Assets Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssetsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in the fair value of financial assets and liabilities designated at fair value through profit or loss</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) on financial assets at fair value through profit or loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in fair value of other financial assets fair value through profit or loss</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnHedgeIneffectiveness" xlink:label="ifrs-full_GainLossOnHedgeIneffectiveness" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainLossOnHedgeIneffectiveness" xlink:to="ifrs-full_GainLossOnHedgeIneffectiveness_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainLossOnHedgeIneffectiveness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (loss) on hedge ineffectiveness</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainLossOnHedgeIneffectiveness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedge ineffectiveness</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" xlink:label="ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" xlink:to="ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (loss) arising from derecognition of financial assets measured at amortised cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Loss)/profit on disposal of amortised cost assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment" xlink:label="ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment" xlink:to="ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains on disposals of property, plant and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Loss)/profit on sale of property, plant and equipment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" xlink:label="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates" xlink:to="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) on disposals of subsidiaries and associates.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain Loss on Disposal of Investments in Subsidiaries and Associates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GainLossOnDisposalOfInvestmentsInSubsidiariesAndAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit/(loss) on disposal of subsidiaries and associates</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsOtherIncomeExpense" xlink:label="nwg_IfrsOtherIncomeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsOtherIncomeExpense" xlink:to="nwg_IfrsOtherIncomeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsOtherIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of income or expenses that the entity does not separately disclose in the same statement or note when the entity uses the 'function of expense' form for its analysis of income or expenses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsOtherIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS Other Income (Expense)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsOtherIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonInterestIncomeExpense" xlink:label="nwg_NonInterestIncomeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonInterestIncomeExpense" xlink:to="nwg_NonInterestIncomeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonInterestIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonInterestIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non Interest Income Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NonInterestIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_NonInterestIncomeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-interest income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RepaymentsOfCapitalInSubsidiaries" xlink:label="nwg_RepaymentsOfCapitalInSubsidiaries" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RepaymentsOfCapitalInSubsidiaries" xlink:to="nwg_RepaymentsOfCapitalInSubsidiaries_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RepaymentsOfCapitalInSubsidiaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of capital in subsidiaries repaid during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RepaymentsOfCapitalInSubsidiaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Repayments Of Capital In Subsidiaries</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RepaymentsOfCapitalInSubsidiaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital repayment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegacyLiabilityReleaseAmount" xlink:label="nwg_LegacyLiabilityReleaseAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LegacyLiabilityReleaseAmount" xlink:to="nwg_LegacyLiabilityReleaseAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegacyLiabilityReleaseAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of legacy liability release.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegacyLiabilityReleaseAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Legacy Liability Release Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:label="ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:to="ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reclassification adjustments on exchange differences on translation, before tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">FX recycling gain</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainLossOnAcquisitionOfFinancialAssets" xlink:label="nwg_GainLossOnAcquisitionOfFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainLossOnAcquisitionOfFinancialAssets" xlink:to="nwg_GainLossOnAcquisitionOfFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainLossOnAcquisitionOfFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of gain (loss) on acquisition of financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainLossOnAcquisitionOfFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (Loss) On Acquisition Of Financial Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GainLossOnAcquisitionOfFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss on acquisition of financial assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainLossPurchaseOfFreeholdsForProperties" xlink:label="nwg_GainLossPurchaseOfFreeholdsForProperties" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainLossPurchaseOfFreeholdsForProperties" xlink:to="nwg_GainLossPurchaseOfFreeholdsForProperties_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainLossPurchaseOfFreeholdsForProperties_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of gain loss purchase of freeholds for properties.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainLossPurchaseOfFreeholdsForProperties_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (loss) Purchase Of Freeholds For Properties</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GainLossPurchaseOfFreeholdsForProperties_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss on the purchase of freeholds for properties</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NotionalAmount" xlink:label="ifrs-full_NotionalAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NotionalAmount" xlink:to="ifrs-full_NotionalAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NotionalAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notional amount of financial assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NotionalAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notional amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_NotionalAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notional amount hedging instruments affected by interest rate benchmark reform</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xlink:label="ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xlink:to="ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of property, plant and equipment [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PropertyPlantAndEquipmentMember" xlink:label="ifrs-full_PropertyPlantAndEquipmentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PropertyPlantAndEquipmentMember" xlink:to="ifrs-full_PropertyPlantAndEquipmentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PropertyPlantAndEquipmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Property, plant and equipment [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LandMember" xlink:label="ifrs-full_LandMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LandMember" xlink:to="ifrs-full_LandMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LandMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Freehold premises</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LeaseholdImprovementsMember" xlink:label="ifrs-full_LeaseholdImprovementsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LeaseholdImprovementsMember" xlink:to="ifrs-full_LeaseholdImprovementsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LeaseholdImprovementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Long leasehold property</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_StatementScenarioAxis" xlink:label="srt_StatementScenarioAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_StatementScenarioAxis" xlink:to="srt_StatementScenarioAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_StatementScenarioAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Scenario [Axis]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScenarioUnspecifiedDomain" xlink:label="srt_ScenarioUnspecifiedDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScenarioUnspecifiedDomain" xlink:to="srt_ScenarioUnspecifiedDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_ScenarioUnspecifiedDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Scenario, Unspecified [Domain]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PlannedReductionOfPropertyPortfolioMember" xlink:label="nwg_PlannedReductionOfPropertyPortfolioMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PlannedReductionOfPropertyPortfolioMember" xlink:to="nwg_PlannedReductionOfPropertyPortfolioMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PlannedReductionOfPropertyPortfolioMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Planned reduction of property portfolio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PlannedReductionOfPropertyPortfolioMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Planned reduction of property portfolio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WagesAndSalaries" xlink:label="ifrs-full_WagesAndSalaries" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WagesAndSalaries" xlink:to="ifrs-full_WagesAndSalaries_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WagesAndSalaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Wages and salaries</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_WagesAndSalaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Salaries</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsChargedToProfitAndLoss" xlink:label="nwg_BonusAwardsChargedToProfitAndLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsChargedToProfitAndLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsChargedToProfitAndLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards charged to profit and loss.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsChargedToProfitAndLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Charged To Profit And Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_BonusAwardsChargedToProfitAndLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income statement charge for bonus awards</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_BonusAwardsChargedToProfitAndLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus awards</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherShorttermEmployeeBenefits" xlink:label="ifrs-full_OtherShorttermEmployeeBenefits" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherShorttermEmployeeBenefits" xlink:to="ifrs-full_OtherShorttermEmployeeBenefits_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherShorttermEmployeeBenefits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other short-term employee benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherShorttermEmployeeBenefits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Temporary and contract costs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SocialSecurityContributions" xlink:label="ifrs-full_SocialSecurityContributions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SocialSecurityContributions" xlink:to="ifrs-full_SocialSecurityContributions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SocialSecurityContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Social security contributions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_SocialSecurityContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Social security costs</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PostEmploymentBenefitExpense" xlink:label="nwg_PostEmploymentBenefitExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PostEmploymentBenefitExpense" xlink:to="nwg_PostEmploymentBenefitExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PostEmploymentBenefitExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of post-employment benefit expense.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PostEmploymentBenefitExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Post Employment Benefit Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PostEmploymentBenefitExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pension costs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:to="ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Post-employment benefit expense, defined benefit plans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">- defined benefit schemes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:to="ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Post-employment benefit expense, defined contribution plans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">- defined contribution schemes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherEmployeeExpense" xlink:label="ifrs-full_OtherEmployeeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherEmployeeExpense" xlink:to="ifrs-full_OtherEmployeeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherEmployeeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other employee expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherEmployeeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BankLevy" xlink:label="nwg_BankLevy" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BankLevy" xlink:to="nwg_BankLevy_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of expenses relating to bank levy.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bank Levy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK bank levy</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepreciationAndAmortisationExpense" xlink:label="ifrs-full_DepreciationAndAmortisationExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DepreciationAndAmortisationExpense" xlink:to="ifrs-full_DepreciationAndAmortisationExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DepreciationAndAmortisationExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation and amortisation expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DepreciationAndAmortisationExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation and amortisation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DepreciationAndAmortisationExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation and amortisation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherAdministrativeExpenseExcludingBankLevy" xlink:label="nwg_OtherAdministrativeExpenseExcludingBankLevy" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherAdministrativeExpenseExcludingBankLevy" xlink:to="nwg_OtherAdministrativeExpenseExcludingBankLevy_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherAdministrativeExpenseExcludingBankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of expenses other administrative expense excluding bank levy.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherAdministrativeExpenseExcludingBankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Administrative Expense Excluding Bank Levy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherAdministrativeExpenseExcludingBankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other administrative expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdministrativeExpense" xlink:label="ifrs-full_AdministrativeExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdministrativeExpense" xlink:to="ifrs-full_AdministrativeExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdministrativeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Administrative expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdministrativeExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Administrative expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:to="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment loss recognised in profit or loss, intangible assets and goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment of intangible assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment of goodwill and other intangible assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepreciationPropertyPlantAndEquipment" xlink:label="ifrs-full_DepreciationPropertyPlantAndEquipment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DepreciationPropertyPlantAndEquipment" xlink:to="ifrs-full_DepreciationPropertyPlantAndEquipment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DepreciationPropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation, property, plant and equipment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AcceleratedDepreciationExpensePropertyPlantAndEquipment" xlink:label="nwg_AcceleratedDepreciationExpensePropertyPlantAndEquipment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AcceleratedDepreciationExpensePropertyPlantAndEquipment" xlink:to="nwg_AcceleratedDepreciationExpensePropertyPlantAndEquipment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AcceleratedDepreciationExpensePropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The expense relating to accelerated depreciation of property, plant and equipment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AcceleratedDepreciationExpensePropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accelerated depreciation expense, property, plant and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AcceleratedDepreciationExpensePropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accelerated depreciation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PriorPeriodRebateOnBankLevy" xlink:label="nwg_PriorPeriodRebateOnBankLevy" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PriorPeriodRebateOnBankLevy" xlink:to="nwg_PriorPeriodRebateOnBankLevy_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PriorPeriodRebateOnBankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of prior period rebate on bank levy.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PriorPeriodRebateOnBankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Prior Period Rebate On Bank Levy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PriorPeriodRebateOnBankLevy_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Prior period rebate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:to="ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment loss recognised in profit or loss, goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment of goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment loss of goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xlink:label="ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xlink:to="ifrs-full_ContinuingAndDiscontinuedOperationsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContinuingAndDiscontinuedOperationsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Continuing and discontinued operations [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContinuingOperationsMember" xlink:label="ifrs-full_ContinuingOperationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ContinuingOperationsMember" xlink:to="ifrs-full_ContinuingOperationsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContinuingOperationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Continuing operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DiscontinuedOperationsMember" xlink:label="ifrs-full_DiscontinuedOperationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DiscontinuedOperationsMember" xlink:to="ifrs-full_DiscontinuedOperationsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DiscontinuedOperationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discontinued operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SegmentConsolidationItemsAxis" xlink:label="ifrs-full_SegmentConsolidationItemsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SegmentConsolidationItemsAxis" xlink:to="ifrs-full_SegmentConsolidationItemsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SegmentConsolidationItemsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Segment consolidation items [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForSegmentConsolidationItemsMember" xlink:label="ifrs-full_EntitysTotalForSegmentConsolidationItemsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForSegmentConsolidationItemsMember" xlink:to="ifrs-full_EntitysTotalForSegmentConsolidationItemsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForSegmentConsolidationItemsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity's total for segment consolidation items [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OperatingSegmentsMember" xlink:label="ifrs-full_OperatingSegmentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OperatingSegmentsMember" xlink:to="ifrs-full_OperatingSegmentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OperatingSegmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating segment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SegmentsAxis" xlink:label="ifrs-full_SegmentsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SegmentsAxis" xlink:to="ifrs-full_SegmentsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SegmentsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Segments [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SegmentsMember" xlink:label="ifrs-full_SegmentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SegmentsMember" xlink:to="ifrs-full_SegmentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SegmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Segments [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReportableSegmentsMember" xlink:label="ifrs-full_ReportableSegmentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReportableSegmentsMember" xlink:to="ifrs-full_ReportableSegmentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReportableSegmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reportable segments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PersonalBankingMember" xlink:label="nwg_PersonalBankingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PersonalBankingMember" xlink:to="nwg_PersonalBankingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PersonalBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Personal Banking.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PersonalBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Personal &amp; Ulster</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RetailBankingMember" xlink:label="nwg_RetailBankingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RetailBankingMember" xlink:to="nwg_RetailBankingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RetailBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for retail banking.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RetailBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Retail Banking</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UlsterBankRoiMember" xlink:label="nwg_UlsterBankRoiMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UlsterBankRoiMember" xlink:to="nwg_UlsterBankRoiMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UlsterBankRoiMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Ulster Bank RoI.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UlsterBankRoiMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ulster Bank RoI</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CommercialPrivateBankingMember" xlink:label="nwg_CommercialPrivateBankingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CommercialPrivateBankingMember" xlink:to="nwg_CommercialPrivateBankingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CommercialPrivateBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Commercial and Private Banking.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CommercialPrivateBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Commercial &amp; Private Banking</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CommercialBankingMember" xlink:label="nwg_CommercialBankingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CommercialBankingMember" xlink:to="nwg_CommercialBankingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CommercialBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Commercial Banking.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CommercialBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Commercial Banking</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PrivateBankingMember" xlink:label="nwg_PrivateBankingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PrivateBankingMember" xlink:to="nwg_PrivateBankingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PrivateBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Private Banking.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PrivateBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Private Banking</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AllOtherSegmentsMember" xlink:label="ifrs-full_AllOtherSegmentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AllOtherSegmentsMember" xlink:to="ifrs-full_AllOtherSegmentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AllOtherSegmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">All other segments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RbsInternationalMember" xlink:label="nwg_RbsInternationalMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RbsInternationalMember" xlink:to="nwg_RbsInternationalMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RbsInternationalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for RBS International.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RbsInternationalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">RBS International</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsMember" xlink:label="nwg_NatwestMarketsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsMember" xlink:to="nwg_NatwestMarketsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Markets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Markets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CentralItemsOtherMember" xlink:label="nwg_CentralItemsOtherMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CentralItemsOtherMember" xlink:to="nwg_CentralItemsOtherMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CentralItemsOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Central items and other.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CentralItemsOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Central items &amp; other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GeographicalAreasAxis" xlink:label="ifrs-full_GeographicalAreasAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GeographicalAreasAxis" xlink:to="ifrs-full_GeographicalAreasAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GeographicalAreasAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Geographical areas [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GeographicalAreasMember" xlink:label="ifrs-full_GeographicalAreasMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GeographicalAreasMember" xlink:to="ifrs-full_GeographicalAreasMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GeographicalAreasMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Geographical areas [member]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_GB" xlink:label="country_GB" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="country_GB" xlink:to="country_GB_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="country_GB_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_US" xlink:label="country_US" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="country_US" xlink:to="country_US_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="country_US_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">USA</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_IN" xlink:label="country_IN" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="country_IN" xlink:to="country_IN_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="country_IN_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">India</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_PL" xlink:label="country_PL" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="country_PL" xlink:to="country_PL_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="country_PL_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Poland</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_IE" xlink:label="country_IE" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="country_IE" xlink:to="country_IE_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="country_IE_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Republic of Ireland</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RestOfWorldMember" xlink:label="nwg_RestOfWorldMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RestOfWorldMember" xlink:to="nwg_RestOfWorldMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RestOfWorldMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RestOfWorldMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Rest of the World</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberAndAverageNumberOfEmployeesAbstract" xlink:label="ifrs-full_NumberAndAverageNumberOfEmployeesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberAndAverageNumberOfEmployeesAbstract" xlink:to="ifrs-full_NumberAndAverageNumberOfEmployeesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberAndAverageNumberOfEmployeesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number and average number of employees [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NumberAndAverageNumberOfEmployeesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number and average number of employees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AverageNumberOfEmployees" xlink:label="ifrs-full_AverageNumberOfEmployees" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AverageNumberOfEmployees" xlink:to="ifrs-full_AverageNumberOfEmployees_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AverageNumberOfEmployees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average number of employees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AverageNumberOfEmployees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average number of employees</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AverageNumberOfTemporaryEmployees" xlink:label="nwg_AverageNumberOfTemporaryEmployees" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AverageNumberOfTemporaryEmployees" xlink:to="nwg_AverageNumberOfTemporaryEmployees_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AverageNumberOfTemporaryEmployees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The average number of temporary employees employed by the entity during a period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AverageNumberOfTemporaryEmployees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average number of temporary employees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AverageNumberOfTemporaryEmployees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Temporary employees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfEmployees" xlink:label="ifrs-full_NumberOfEmployees" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfEmployees" xlink:to="ifrs-full_NumberOfEmployees_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfEmployees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of employees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NumberOfEmployees_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of employees</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract" xlink:label="nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract" xlink:to="nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted Average Exercise Price Of Share Options Rollforward.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted Average Exercise Price Of Share Options Rollforward [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_WeightedAverageExercisePriceOfShareOptionsRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average exercise price</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xlink:to="ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average exercise price of share options outstanding in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xlink:to="ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average exercise price of share options granted in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Granted</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019" xlink:to="ifrs-full_WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average share price for share options in share-based payment arrangement exercised during period at date of exercise</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsInSharebasedPaymentArrangementExercisedDuringPeriodAtDateOfExercise2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Exercised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" xlink:to="ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average exercise price of share options forfeited in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cancelled</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOutstandingShareOptionsRollforwardAbstract" xlink:label="nwg_NumberOfOutstandingShareOptionsRollforwardAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOutstandingShareOptionsRollforwardAbstract" xlink:to="nwg_NumberOfOutstandingShareOptionsRollforwardAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOutstandingShareOptionsRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of outstanding share options rollforward.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOutstandingShareOptionsRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Outstanding Share Options Rollforward [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfOutstandingShareOptionsRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares under option</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfOutstandingShareOptions" xlink:label="ifrs-full_NumberOfOutstandingShareOptions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfOutstandingShareOptions" xlink:to="ifrs-full_NumberOfOutstandingShareOptions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfOutstandingShareOptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of share options outstanding in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_NumberOfOutstandingShareOptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_NumberOfOutstandingShareOptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of share options granted in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Granted</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of share options exercised in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Exercised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of share options forfeited in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cancelled</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_VestingLifeOfShareBasedAwards" xlink:label="nwg_VestingLifeOfShareBasedAwards" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_VestingLifeOfShareBasedAwards" xlink:to="nwg_VestingLifeOfShareBasedAwards_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_VestingLifeOfShareBasedAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The contractual life of awards in a share-based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_VestingLifeOfShareBasedAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Vesting Life Of Share Based Awards</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_VestingLifeOfShareBasedAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Vesting period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfShareOptionsExercisableInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfShareOptionsExercisableInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfShareOptionsExercisableInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfShareOptionsExercisableInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfShareOptionsExercisableInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of share options exercisable in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NumberOfShareOptionsExercisableInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Options exercisable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageSharePrice2019" xlink:label="ifrs-full_WeightedAverageSharePrice2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageSharePrice2019" xlink:to="ifrs-full_WeightedAverageSharePrice2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageSharePrice2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average share price</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ExercisePriceOfOutstandingShareOptions2019" xlink:label="ifrs-full_ExercisePriceOfOutstandingShareOptions2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ExercisePriceOfOutstandingShareOptions2019" xlink:to="ifrs-full_ExercisePriceOfOutstandingShareOptions2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ExercisePriceOfOutstandingShareOptions2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Exercise price of outstanding share options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019" xlink:label="ifrs-full_WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019" xlink:to="ifrs-full_WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageRemainingContractualLifeOfOutstandingShareOptions2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average remaining contractual life of outstanding share options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageFairValueAtMeasurementDateShareOptionsGranted" xlink:label="ifrs-full_WeightedAverageFairValueAtMeasurementDateShareOptionsGranted" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageFairValueAtMeasurementDateShareOptionsGranted_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average fair value at measurement date, share options granted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_WeightedAverageFairValueAtMeasurementDateShareOptionsGranted_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of options granted</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract" xlink:to="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value at grant of other equity instruments outstanding rollforward.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value At Grant Of Other Equity Instruments Outstanding Rollforward [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value at grant</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement" xlink:to="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The Value at grant of other equity instruments (ie other than share options) outstanding in a share-based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value At Grant Of Other Equity Instruments Outstanding In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement" xlink:to="nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The Value at grant of other equity instruments (i.e. other than share options) granted in a share-based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value At Grant Of Other Equity Instruments Granted In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsGrantedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Granted</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement" xlink:to="nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The Value at grant of other equity instruments (ie other than share options) forfeited in a share-based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value At Grant Of Other Equity Instruments Forfeited In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsForfeitedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forfeited</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement" xlink:to="nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The Value at grant of other equity instruments (ie other than share options) vested in a share-based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value At Grant Of Other Equity Instruments Vested In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_ValueAtGrantOfOtherEquityInstrumentsVestedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Vested</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement" xlink:label="nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement" xlink:to="nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value at grant of instruments lapsed in share-based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value At Grant Of Instruments Lapsed In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_ValueAtGrantOfInstrumentsLapsedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lapsed</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract" xlink:label="nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract" xlink:to="nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of other equity instruments outstanding rollforward .</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Other Equity Instruments Outstanding Rollforward [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfOtherEquityInstrumentsOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares awarded</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of other equity instruments outstanding in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December (in shares)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsOutstandingInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January (in shares)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of instruments granted in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Granted (in shares)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfOtherEquityInstrumentsForfeitedInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsForfeitedInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfOtherEquityInstrumentsForfeitedInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfOtherEquityInstrumentsForfeitedInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsForfeitedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of other equity instruments forfeited in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsForfeitedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forfeited (in shares)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfOtherEquityInstrumentsExercisedOrVestedInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsExercisedOrVestedInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfOtherEquityInstrumentsExercisedOrVestedInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfOtherEquityInstrumentsExercisedOrVestedInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsExercisedOrVestedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of other equity instruments exercised or vested in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsExercisedOrVestedInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Vested/exercised (in shares)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfOtherEquityInstrumentsExpiredInSharebasedPaymentArrangement" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsExpiredInSharebasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfOtherEquityInstrumentsExpiredInSharebasedPaymentArrangement" xlink:to="ifrs-full_NumberOfOtherEquityInstrumentsExpiredInSharebasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsExpiredInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of other equity instruments expired in share-based payment arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_NumberOfOtherEquityInstrumentsExpiredInSharebasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lapsed (in shares)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract" xlink:to="nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of options over shares outstanding rollforward.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Options Over Shares Outstanding Rollforward [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingRollforwardAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Options over shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement" xlink:to="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of options over shares outstanding in share based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Options Over Shares Outstanding In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December (in shares)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="nwg_NumberOfOptionsOverSharesOutstandingInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January (in shares)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement" xlink:label="nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement" xlink:to="nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of options over shares lapsed in share based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Options Over Shares Lapsed In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_NumberOfOptionsOverSharesLapsedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lapsed (in shares)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" xlink:label="nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement" xlink:to="nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The market value of awards vested and exercised in share based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Market Value Of Awards Vested And Exercised In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_MarketValueOfAwardsVestedAndExercisedInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Market value of awards vested and exercised</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement" xlink:label="nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement" xlink:to="nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of options over shares Exercisable in share based payment arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Options Over Shares Exercisable In Share Based Payment Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfOptionsOverSharesExercisableInShareBasedPaymentArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Vested options over shares exercisable</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsMember" xlink:label="nwg_BonusAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsMember" xlink:to="nwg_BonusAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for bonus awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonDeferredBonusAwardsMember" xlink:label="nwg_NonDeferredBonusAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonDeferredBonusAwardsMember" xlink:to="nwg_NonDeferredBonusAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonDeferredBonusAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-deferred bonus awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonDeferredBonusAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total non-deferred bonus awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonDeferredCashAwardsMember" xlink:label="nwg_NonDeferredCashAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonDeferredCashAwardsMember" xlink:to="nwg_NonDeferredCashAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonDeferredCashAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-deferred cash awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonDeferredCashAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-deferred cash awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredBonusAwardsMember" xlink:label="nwg_DeferredBonusAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredBonusAwardsMember" xlink:to="nwg_DeferredBonusAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredBonusAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deferred bonus awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredBonusAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total deferred bonus awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredCashAwardsMember" xlink:label="nwg_DeferredCashAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredCashAwardsMember" xlink:to="nwg_DeferredCashAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredCashAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deferred cash awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredCashAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred cash awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredShareAwardsMember" xlink:label="nwg_DeferredShareAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredShareAwardsMember" xlink:to="nwg_DeferredShareAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredShareAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deferred share awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredShareAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred share awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwards" xlink:label="nwg_BonusAwards" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwards" xlink:to="nwg_BonusAwards_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards charged to profit and loss.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BonusAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total Bonus awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfVariance" xlink:label="nwg_PercentageOfVariance" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfVariance" xlink:to="nwg_PercentageOfVariance_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfVariance_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of variance relating to share based awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfVariance_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of Variance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfVariance_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Change %</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit" xlink:label="nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit" xlink:to="nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus awards as a percentage of adjusted operating profit.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards as a Percentage of Adjusted Operating Profit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BonusAwardsAsPercentageOfAdjustedOperatingProfit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus awards as a % of operating profit before tax</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProportionOfDeferredBonusAwards" xlink:label="nwg_ProportionOfDeferredBonusAwards" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProportionOfDeferredBonusAwards" xlink:to="nwg_ProportionOfDeferredBonusAwards_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProportionOfDeferredBonusAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proportion of bonus awards that are deferred.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProportionOfDeferredBonusAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proportion of Deferred Bonus Awards</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProportionOfDeferredBonusAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proportion of bonus awards that are deferred</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashAwards" xlink:label="nwg_CashAwards" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashAwards" xlink:to="nwg_CashAwards_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash award per employee.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash Awards</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CashAwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash awards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferralChargesForAmountsAwardedForCurrentYear" xlink:label="nwg_DeferralChargesForAmountsAwardedForCurrentYear" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferralChargesForAmountsAwardedForCurrentYear" xlink:to="nwg_DeferralChargesForAmountsAwardedForCurrentYear_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferralChargesForAmountsAwardedForCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferral charges for amounts awarded for the current year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferralChargesForAmountsAwardedForCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferral Charges for Amounts Awarded for Current Year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DeferralChargesForAmountsAwardedForCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Less: deferral of charge for amounts awarded for current year</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear" xlink:label="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear" xlink:to="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards charged to profit and loss awarded in current year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Charged To Profit And Loss Awarded In Current Year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_BonusAwardsChargedToProfitAndLossAwardedInCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income statement charge for amounts awarded in current year</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears" xlink:label="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears" xlink:to="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards deferred charge from prior years for the current year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Current Year Charge Deferred from Prior Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BonusAwardsCurrentYearChargeDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Add: current year charge for amounts deferred from prior years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" xlink:label="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears" xlink:to="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards forfeited that deferred from prior years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards, Forfeiture of Amounts Deferred From Prior Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_BonusAwardsForfeitureOfAmountsDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Less: forfeiture of amounts deferred from prior years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" xlink:label="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears" xlink:to="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards charged to profit and loss deferred from prior years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Charged To Profit And Loss Deferred From Prior Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_BonusAwardsChargedToProfitAndLossDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income statement charge for amounts deferred from prior years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MaturityAxis" xlink:label="ifrs-full_MaturityAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MaturityAxis" xlink:to="ifrs-full_MaturityAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MaturityAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maturity [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AggregatedTimeBandsMember" xlink:label="ifrs-full_AggregatedTimeBandsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AggregatedTimeBandsMember" xlink:to="ifrs-full_AggregatedTimeBandsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AggregatedTimeBandsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Aggregated time bands</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NotLaterThanOneYearMember" xlink:label="ifrs-full_NotLaterThanOneYearMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NotLaterThanOneYearMember" xlink:to="ifrs-full_NotLaterThanOneYearMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NotLaterThanOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Not later than one year [member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_NotLaterThanOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Less than 12 months</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanOneYearMember" xlink:label="ifrs-full_LaterThanOneYearMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanOneYearMember" xlink:to="ifrs-full_LaterThanOneYearMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Later than one year [member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_LaterThanOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">More than 12 months</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredPriorYearTwoAndEarlier" xlink:label="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier" xlink:to="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards deferred from prior to previous year and earlier.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Deferred Prior Year Two And Earlier</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_BonusAwardsDeferredPriorYearTwoAndEarlier_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus awards deferred from 2019 and earlier</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredFromPriorYear" xlink:label="nwg_BonusAwardsDeferredFromPriorYear" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsDeferredFromPriorYear" xlink:to="nwg_BonusAwardsDeferredFromPriorYear_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsDeferredFromPriorYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards deferred from prior year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsDeferredFromPriorYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Deferred from Prior Year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BonusAwardsDeferredFromPriorYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus awards deferred from 2020</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears" xlink:label="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears" xlink:to="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of forfeited amount of bonus awards that deferred from prior years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Forfeiture Amounts Deferred From Prior Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_BonusAwardsForfeitureAmountsDeferredFromPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Less: forfeiture of amounts deferred from prior years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredCurrentYear" xlink:label="nwg_BonusAwardsDeferredCurrentYear" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsDeferredCurrentYear" xlink:to="nwg_BonusAwardsDeferredCurrentYear_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsDeferredCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards deferred for current year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsDeferredCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards Deferred, Current Year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BonusAwardsDeferredCurrentYear_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus awards for 2021 deferred</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xlink:label="nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss" xlink:to="nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The value of bonus awards charged to profit and loss deferred from prior years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bonus Awards, Deferred From Prior Years Charged To Profit And Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_BonusAwardsDeferredFromPriorYearsChargedToProfitAndLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income statement charge for amounts deferred from prior years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOperatingSegmentsTable" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOperatingSegmentsTable" xlink:to="ifrs-full_DisclosureOfOperatingSegmentsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of operating segments [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PersonalAndBusinessBankingPbbMember" xlink:label="nwg_PersonalAndBusinessBankingPbbMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PersonalAndBusinessBankingPbbMember" xlink:to="nwg_PersonalAndBusinessBankingPbbMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PersonalAndBusinessBankingPbbMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the operating segment Personal and Business Banking (PBB).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PersonalAndBusinessBankingPbbMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Personal and Business Banking (PBB)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CommercialAndPrivateBankingCpbMember" xlink:label="nwg_CommercialAndPrivateBankingCpbMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CommercialAndPrivateBankingCpbMember" xlink:to="nwg_CommercialAndPrivateBankingCpbMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CommercialAndPrivateBankingCpbMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the operating segment Commercial and Private Banking (CPB).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CommercialAndPrivateBankingCpbMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Commercial and Private Banking (CPB)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CentralItemsAndOtherMember" xlink:label="nwg_CentralItemsAndOtherMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CentralItemsAndOtherMember" xlink:to="nwg_CentralItemsAndOtherMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CentralItemsAndOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the operating segment Central items and other.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CentralItemsAndOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Central Items and other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember" xlink:label="nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember" xlink:to="nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for reportable segments excluding Ulster Bank ROI.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TotalReportableSegmentsExcludingUlsterBankRoiMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total excluding Ulster Bank RoI</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOperatingSegmentsLineItems" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOperatingSegmentsLineItems" xlink:to="ifrs-full_DisclosureOfOperatingSegmentsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of operating segments [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfOperatingSegmentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Segmental analysis</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherNonInterestIncome" xlink:label="nwg_OtherNonInterestIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherNonInterestIncome" xlink:to="nwg_OtherNonInterestIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherNonInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The aggregate amount of the entity's other non-interest income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherNonInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Non-Interest Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherNonInterestIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other non-interest income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses" xlink:label="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses" xlink:to="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses excluding depreciation, amortisation and impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses excluding depreciation, amortisation and impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_OperatingExpensesExcludingDepreciationAmortisationAndImpairmentLosses_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherOperatingExpenses" xlink:label="nwg_OtherOperatingExpenses" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherOperatingExpenses" xlink:to="nwg_OtherOperatingExpenses_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherOperatingExpenses_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of other operating expenses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherOperatingExpenses_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Operating Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_OtherOperatingExpenses_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MaterialReconcilingItemsMember" xlink:label="ifrs-full_MaterialReconcilingItemsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MaterialReconcilingItemsMember" xlink:to="ifrs-full_MaterialReconcilingItemsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MaterialReconcilingItemsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Inter segment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Revenue" xlink:label="ifrs-full_Revenue" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Revenue" xlink:to="ifrs-full_Revenue_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Revenue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_Revenue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total revenue</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FeeAndCommissionIncomeExpenseAbstract" xlink:label="ifrs-full_FeeAndCommissionIncomeExpenseAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FeeAndCommissionIncomeExpenseAbstract" xlink:to="ifrs-full_FeeAndCommissionIncomeExpenseAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FeeAndCommissionIncomeExpenseAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fee and commission income (expense) [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FeeAndCommissionIncomeExpenseAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net fees and commissions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PaymentServicesProviderFeeAndCommissionIncome" xlink:label="nwg_PaymentServicesProviderFeeAndCommissionIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PaymentServicesProviderFeeAndCommissionIncome" xlink:to="nwg_PaymentServicesProviderFeeAndCommissionIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PaymentServicesProviderFeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of income recognised from payment service provider fee and commission.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PaymentServicesProviderFeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payment Services Provider Fee And Commission Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PaymentServicesProviderFeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payment services</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CreditRelatedFeeAndCommissionIncomeCards" xlink:label="nwg_CreditRelatedFeeAndCommissionIncomeCards" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CreditRelatedFeeAndCommissionIncomeCards" xlink:to="nwg_CreditRelatedFeeAndCommissionIncomeCards_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CreditRelatedFeeAndCommissionIncomeCards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of income recognised from credit-related fees and commissions from cards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CreditRelatedFeeAndCommissionIncomeCards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit Related Fee And Commission Income Cards</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CreditRelatedFeeAndCommissionIncomeCards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit and debit card fees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:label="ifrs-full_CreditrelatedFeeAndCommissionIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:to="ifrs-full_CreditrelatedFeeAndCommissionIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CreditrelatedFeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit-related fee and commission income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_CreditrelatedFeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lending and financing</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BrokerageFeeIncome" xlink:label="ifrs-full_BrokerageFeeIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BrokerageFeeIncome" xlink:to="ifrs-full_BrokerageFeeIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BrokerageFeeIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Brokerage fee income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_BrokerageFeeIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Brokerage</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:label="ifrs-full_PortfolioAndOtherManagementFeeIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:to="ifrs-full_PortfolioAndOtherManagementFeeIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PortfolioAndOtherManagementFeeIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Portfolio and other management fee income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PortfolioAndOtherManagementFeeIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Investment management, trustee and fiduciary services</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UnderwritingFeeIncome" xlink:label="nwg_UnderwritingFeeIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UnderwritingFeeIncome" xlink:to="nwg_UnderwritingFeeIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UnderwritingFeeIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of under writing Fee income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UnderwritingFeeIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Underwriting Fee Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_UnderwritingFeeIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Underwriting fees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherFeeAndCommissionIncome" xlink:label="ifrs-full_OtherFeeAndCommissionIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherFeeAndCommissionIncome" xlink:to="ifrs-full_OtherFeeAndCommissionIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherFeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other fee and commission income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherFeeAndCommissionIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xlink:label="ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xlink:to="ifrs-full_ReconciliationOfChangesInGoodwillAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReconciliationOfChangesInGoodwillAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of changes in goodwill [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReconciliationOfChangesInGoodwillAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Goodwill" xlink:label="ifrs-full_Goodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Goodwill" xlink:to="ifrs-full_Goodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Goodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Goodwill.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_Goodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Carrying value of goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_Goodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfGeographicalAreasTable" xlink:label="ifrs-full_DisclosureOfGeographicalAreasTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfGeographicalAreasTable" xlink:to="ifrs-full_DisclosureOfGeographicalAreasTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfGeographicalAreasTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of geographical areas [table]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_EuropeMember" xlink:label="srt_EuropeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_EuropeMember" xlink:to="srt_EuropeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_EuropeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Europe</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember" xlink:label="nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember" xlink:to="nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the rest of the world, excluding United Kingdom, the United States of America and Europe.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RestOfWorldExcludingUnitedKingdomUnitedStatesAndEuropeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">RoW</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfGeographicalAreasLineItems" xlink:label="ifrs-full_DisclosureOfGeographicalAreasLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfGeographicalAreasLineItems" xlink:to="ifrs-full_DisclosureOfGeographicalAreasLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfGeographicalAreasLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of geographical areas [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfGeographicalAreasLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Geographical segments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfGeographicalAreasLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax reconciliation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" xlink:label="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt" xlink:to="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of operating income (expense) that the entity does not separately disclose in the same statement or note and the difference between the fair value of payments made and the carrying amount of debt which is extinguished prior to maturity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating income and gain (loss) on redemption of own debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherOperatingIncomeAndGainLossOnRedemptionOfOwnDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ContingentLiabilitiesAndCommitments" xlink:label="nwg_ContingentLiabilitiesAndCommitments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ContingentLiabilitiesAndCommitments" xlink:to="nwg_ContingentLiabilitiesAndCommitments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ContingentLiabilitiesAndCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of contingent liabilities and the amount of future expenditures that the entity is committed to make.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ContingentLiabilitiesAndCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contingent liabilities and commitments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ContingentLiabilitiesAndCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contingent liabilities and commitments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDefinedBenefitPlansTable" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDefinedBenefitPlansTable" xlink:to="ifrs-full_DisclosureOfDefinedBenefitPlansTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of defined benefit plans [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDefinedBenefitPlansLineItems" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDefinedBenefitPlansLineItems" xlink:to="ifrs-full_DisclosureOfDefinedBenefitPlansLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of defined benefit plans [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfDefinedBenefitPlansLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pensions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension" xlink:label="nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension" xlink:to="nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the portion of final pensionable salary for each year of service prior to retirement, provide a pension.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Portion of Final Pensionable Salary for Each Service Year, Considered as Pension</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PortionOfFinalPensionableSalaryForEachServiceYearConsideredAsPension_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Portion of final pensionable salary, considered for pension</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MaximumNumberOfYearsOfServiceConsiderableForPension" xlink:label="nwg_MaximumNumberOfYearsOfServiceConsiderableForPension" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MaximumNumberOfYearsOfServiceConsiderableForPension" xlink:to="nwg_MaximumNumberOfYearsOfServiceConsiderableForPension_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MaximumNumberOfYearsOfServiceConsiderableForPension_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the maximum number of years of service considerable for pension calculations.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MaximumNumberOfYearsOfServiceConsiderableForPension_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum Number of Years of Service, Considerable for Pension</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_MaximumNumberOfYearsOfServiceConsiderableForPension_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum number of years of service for pension</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MaximumAnnualSalaryInflation" xlink:label="nwg_MaximumAnnualSalaryInflation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MaximumAnnualSalaryInflation" xlink:to="nwg_MaximumAnnualSalaryInflation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MaximumAnnualSalaryInflation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The maximum percentage of annual salary inflation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MaximumAnnualSalaryInflation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum Annual Salary Inflation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_MaximumAnnualSalaryInflation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum annual salary inflation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfTrusteeDirectorsNominated" xlink:label="nwg_NumberOfTrusteeDirectorsNominated" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfTrusteeDirectorsNominated" xlink:to="nwg_NumberOfTrusteeDirectorsNominated_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfTrusteeDirectorsNominated_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of trustee directors nominated by members selected from eligible active staff and pensioner members who apply under the main scheme.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfTrusteeDirectorsNominated_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Trustee Directors Nominated</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfTrusteeDirectorsNominated_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of nominated trustee directors</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfTrusteeDirectorsAppointed" xlink:label="nwg_NumberOfTrusteeDirectorsAppointed" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfTrusteeDirectorsAppointed" xlink:to="nwg_NumberOfTrusteeDirectorsAppointed_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfTrusteeDirectorsAppointed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of trustee directors appointed under the main scheme.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfTrusteeDirectorsAppointed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Trustee Directors Appointed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfTrusteeDirectorsAppointed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of appointed trustee directors</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember" xlink:label="nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember" xlink:to="nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for main section of quoted The Royal Bank of Scotland Group Pension Fund operated under UK trust law.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MainSectionOfQuotedRoyalBankOfScotlandGroupPensionFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Quoted</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember" xlink:label="nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember" xlink:to="nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for main section of unquoted The Royal Bank of Scotland Group Pension Fund operated under UK trust law.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MainSectionOfUnquotedRoyalBankOfScotlandGroupPensionFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unquoted</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:label="ifrs-full_ClassesOfFinancialInstrumentsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:to="ifrs-full_ClassesOfFinancialInstrumentsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfFinancialInstrumentsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of financial instruments [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfFinancialInstrumentsMember" xlink:label="ifrs-full_ClassesOfFinancialInstrumentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfFinancialInstrumentsMember" xlink:to="ifrs-full_ClassesOfFinancialInstrumentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfFinancialInstrumentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments, class [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SwapContractMember" xlink:label="ifrs-full_SwapContractMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SwapContractMember" xlink:to="ifrs-full_SwapContractMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SwapContractMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Swap</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InflationRateSwapsMember" xlink:label="nwg_InflationRateSwapsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InflationRateSwapsMember" xlink:to="nwg_InflationRateSwapsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InflationRateSwapsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for an inflation rate swap contract.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InflationRateSwapsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Inflation rate swaps</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestRateSwapContractMember" xlink:label="ifrs-full_InterestRateSwapContractMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestRateSwapContractMember" xlink:to="ifrs-full_InterestRateSwapContractMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestRateSwapContractMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest rate contracts</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CurrencyForwardsMember" xlink:label="nwg_CurrencyForwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CurrencyForwardsMember" xlink:to="nwg_CurrencyForwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CurrencyForwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for currency forward contract.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CurrencyForwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency forwards</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EquityAndBondCallOptionsMember" xlink:label="nwg_EquityAndBondCallOptionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EquityAndBondCallOptionsMember" xlink:to="nwg_EquityAndBondCallOptionsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EquityAndBondCallOptionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a derivative financial instrument that gives the holder the right, but not the obligation, to purchase an underlying asset for a specified price determined in advance.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EquityAndBondCallOptionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity and bond call options</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EquityAndBondPutOptionsMember" xlink:label="nwg_EquityAndBondPutOptionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EquityAndBondPutOptionsMember" xlink:to="nwg_EquityAndBondPutOptionsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EquityAndBondPutOptionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a derivative financial instrument that gives the holder the right, but not the obligation, to sell an underlying asset for a specified price determined in advance.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EquityAndBondPutOptionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity and bond put options</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherDerivativeInstrumentsMember" xlink:label="nwg_OtherDerivativeInstrumentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherDerivativeInstrumentsMember" xlink:to="nwg_OtherDerivativeInstrumentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherDerivativeInstrumentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for other derivative instruments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherDerivativeInstrumentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other derivative instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherDerivativeInstrumentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets" xlink:label="nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets" xlink:to="nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of total plan assets held.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Defined Benefit Plan Percentage of Total Plan Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DefinedBenefitPlanPercentageOfTotalPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of total plan assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" xlink:label="ifrs-full_EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EquityInstrumentsPercentageContributedToFairValueOfPlanAssets" xlink:to="ifrs-full_EquityInstrumentsPercentageContributedToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EquityInstrumentsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Private equity percentage contributed to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_EquityInstrumentsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets" xlink:label="nwg_IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets" xlink:to="nwg_IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of Index-linked bonds contribution as a percentage of total plan assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Index-linked bonds percentage contributed to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IndexLinkedBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Index-linked bonds</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" xlink:label="nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets" xlink:to="nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of Government fixed interest bonds contribution as a percentage of total plan assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Government fixed interest bonds percentage contributed to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GovernmentFixedInterestBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Government bonds</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" xlink:label="nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets" xlink:to="nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of Corporate and other bonds contribution as a percentage of total plan assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Corporate and other bonds percentage contributed to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CorporateAndOtherBondsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Corporate and other bonds</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RealEstatePercentageContributedToFairValueOfPlanAssets" xlink:label="ifrs-full_RealEstatePercentageContributedToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RealEstatePercentageContributedToFairValueOfPlanAssets" xlink:to="ifrs-full_RealEstatePercentageContributedToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RealEstatePercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Real estate percentage contributed to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RealEstatePercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Real estate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativesPercentageContributedToFairValueOfPlanAssets" xlink:label="ifrs-full_DerivativesPercentageContributedToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DerivativesPercentageContributedToFairValueOfPlanAssets" xlink:to="ifrs-full_DerivativesPercentageContributedToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DerivativesPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives percentage contributed to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DerivativesPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" xlink:label="nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets" xlink:to="nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of Cash and other assets contribution as a percentage of total plan assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and other assets percentage contributed to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CashAndOtherAssetsPercentageContributedToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and other assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets" xlink:label="nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets" xlink:to="nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total contribution percentage of plan assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Plan assets percentage contributions to fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_PlanAssetsPercentageContributionsToFairValueOfPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" xlink:label="nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" xlink:to="nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of financial assets pledged as collateral for liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of Financial Assets Pledged As Collateral For Liabilities Or Contingent Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfFinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of collateral</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage" xlink:label="nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage" xlink:to="nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of maximum threshold limit for indirect investments in the group defined benefit schemes by trustees.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trustees Maximum Threshold Limit for Indirect Investment in Group Defined Benefit Schemes, Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TrusteesMaximumThresholdLimitForIndirectInvestmentInGroupDefinedBenefitSchemesPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum percentage of indirect investment by trustees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:label="ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:to="ifrs-full_NetDefinedBenefitLiabilityAssetAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetDefinedBenefitLiabilityAssetAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net defined benefit liability (asset) [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetDefinedBenefitLiabilityAssetMember" xlink:label="ifrs-full_NetDefinedBenefitLiabilityAssetMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetDefinedBenefitLiabilityAssetMember" xlink:to="ifrs-full_NetDefinedBenefitLiabilityAssetMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetDefinedBenefitLiabilityAssetMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net defined benefit liability (asset) [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PlanAssetsMember" xlink:label="ifrs-full_PlanAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PlanAssetsMember" xlink:to="ifrs-full_PlanAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PlanAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_PlanAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Plan assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:label="ifrs-full_PresentValueOfDefinedBenefitObligationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:to="ifrs-full_PresentValueOfDefinedBenefitObligationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PresentValueOfDefinedBenefitObligationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Present value of defined benefit obligation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_PresentValueOfDefinedBenefitObligationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Plan liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EffectOfAssetCeilingMember" xlink:label="ifrs-full_EffectOfAssetCeilingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EffectOfAssetCeilingMember" xlink:to="ifrs-full_EffectOfAssetCeilingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EffectOfAssetCeilingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Asset ceiling/minimum funding</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScenarioForecastMember" xlink:label="srt_ScenarioForecastMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScenarioForecastMember" xlink:to="srt_ScenarioForecastMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_ScenarioForecastMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfDistributionsAreMadeInComingFinancialYearMember" xlink:label="nwg_IfDistributionsAreMadeInComingFinancialYearMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfDistributionsAreMadeInComingFinancialYearMember" xlink:to="nwg_IfDistributionsAreMadeInComingFinancialYearMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfDistributionsAreMadeInComingFinancialYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">If distributions are made in coming financial year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfDistributionsAreMadeInComingFinancialYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">If distributions are made in coming financial year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:label="ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:to="ifrs-full_LiabilityAssetOfDefinedBenefitPlans_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LiabilityAssetOfDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_LiabilityAssetOfDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance at end of year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_LiabilityAssetOfDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance at beginning of year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_LiabilityAssetOfDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Retirement benefit liability</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through changes in foreign exchange rates, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency translation and other adjustments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest expense (income), net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current service cost, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current service cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Past service cost, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Past service cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" xlink:label="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss" xlink:to="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in net defined benefit liability (asset) resulting from expense (income) in profit or loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromExpenseIncomeInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income statement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:label="ifrs-full_GainLossOnChangesInEffectOfLimitingNetDefinedBenefitAssetToAssetCeiling_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Asset ceiling adjustments</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (loss) on remeasurement, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Statement of comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions to plan by employer, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions by employer</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions by employer</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions to plan by plan participants, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions by plan participants and other scheme members</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:to="ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payments in respect of settlements, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets/liabilities extinguished upon settlement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:label="ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payments from plan, net defined benefit liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Benefits paid</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PlanAssetsAtFairValue" xlink:label="ifrs-full_PlanAssetsAtFairValue" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PlanAssetsAtFairValue" xlink:to="ifrs-full_PlanAssetsAtFairValue_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PlanAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Plan assets, at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PlanAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fund assets at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_PlanAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of plan assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:label="ifrs-full_DefinedBenefitObligationAtPresentValue" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DefinedBenefitObligationAtPresentValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Defined benefit obligation, at present value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DefinedBenefitObligationAtPresentValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Present value of fund liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DefinedBenefitObligationAtPresentValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Present value of plan obligations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SurplusDeficitInPlan" xlink:label="ifrs-full_SurplusDeficitInPlan" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SurplusDeficitInPlan" xlink:to="ifrs-full_SurplusDeficitInPlan_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SurplusDeficitInPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Surplus (deficit) in plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_SurplusDeficitInPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net surplus/(deficit)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:label="ifrs-full_RecognisedAssetsDefinedBenefitPlan" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RecognisedAssetsDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net defined benefit asset</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RecognisedAssetsDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pension schemes in net surplus (Note 5)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_RecognisedAssetsDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net assets of schemes in surplus</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan" xlink:label="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net defined benefit liability</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net liabilities of schemes in deficit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RecognisedLiabilitiesDefinedBenefitPlan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Retirement benefit liabilities (Note 5)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossFromContinuingOperationsPensionSchemes" xlink:label="nwg_ProfitLossFromContinuingOperationsPensionSchemes" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProfitLossFromContinuingOperationsPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The income statement charge comprises from continuing operations.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProfitLossFromContinuingOperationsPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit (loss) from Continuing Operations, Pension Schemes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProfitLossFromContinuingOperationsPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Continuing operations</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProfitLossFromDiscontinuedOperationsPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit (loss) from Discontinued Operations, Pension Schemes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProfitLossFromDiscontinuedOperationsPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discontinued operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionsAxis" xlink:label="ifrs-full_ActuarialAssumptionsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionsMember" xlink:label="ifrs-full_ActuarialAssumptionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionsOfDiscountRatesExpectedRatesOfSalaryAndPensionIncreasesInflationAndMortalityRatesMember" xlink:label="nwg_ActuarialAssumptionsOfDiscountRatesExpectedRatesOfSalaryAndPensionIncreasesInflationAndMortalityRatesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionsOfDiscountRatesExpectedRatesOfSalaryAndPensionIncreasesInflationAndMortalityRatesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Principal IAS 19 actuarial assumptions for discount rate, rate of increase in salaries and pensions, and inflation etc.</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember" xlink:label="nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember" xlink:to="nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Information related to the event that distributions to shareholders of an equal amount are made</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DistributionsToShareholdersOfEqualAmountAreMadeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Distributions to shareholders of an equal amount are made [Member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes" xlink:label="nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes" xlink:to="nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The period for funding valuations under the defined benefit pension schemes.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Funding Valuations Period, Defined Benefit Pension Schemes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FundingValuationsPeriodDefinedBenefitPensionSchemes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Period of funding valuations (in years)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FundingLevelAssumptionsPercentage" xlink:label="nwg_FundingLevelAssumptionsPercentage" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FundingLevelAssumptionsPercentage" xlink:to="nwg_FundingLevelAssumptionsPercentage_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FundingLevelAssumptionsPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of funding level assumptions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FundingLevelAssumptionsPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Funding Level Assumptions percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FundingLevelAssumptionsPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Funding level, as percent</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FutureContributionToFunding" xlink:label="nwg_FutureContributionToFunding" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FutureContributionToFunding" xlink:to="nwg_FutureContributionToFunding_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FutureContributionToFunding_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of future contribution to funding.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FutureContributionToFunding_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Future Contribution To Funding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FutureContributionToFunding_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement of the future contributions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions" xlink:label="nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions" xlink:to="nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of pension liability calculated as per actuarial assumptions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pension Liability Calculated As Per Actuarial Assumptions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PensionLiabilityCalculatedAsPerActuarialAssumptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pension liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeficitAsPerActuarialAssumptions" xlink:label="nwg_DeficitAsPerActuarialAssumptions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeficitAsPerActuarialAssumptions" xlink:to="nwg_DeficitAsPerActuarialAssumptions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeficitAsPerActuarialAssumptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of deficit as per actuarial assumptions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeficitAsPerActuarialAssumptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deficit As Per Actuarial Assumptions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DeficitAsPerActuarialAssumptions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deficit</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionCashPayment" xlink:label="nwg_ActuarialAssumptionCashPayment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionCashPayment" xlink:to="nwg_ActuarialAssumptionCashPayment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionCashPayment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of cash payment to reduce to deficit.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionCashPayment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption Cash Payment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionCashPayment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash payment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ContributionsToPlanByEmployerCappedAmount" xlink:label="nwg_ContributionsToPlanByEmployerCappedAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ContributionsToPlanByEmployerCappedAmount" xlink:to="nwg_ContributionsToPlanByEmployerCappedAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ContributionsToPlanByEmployerCappedAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions to plan by employer, capped amount.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ContributionsToPlanByEmployerCappedAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions to Plan by Employer, Capped Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ContributionsToPlanByEmployerCappedAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contributions by employer, capped amount</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage" xlink:label="nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage" xlink:to="nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The actuarial assumption of fixed interest swap and guilt yields plus percentage.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption of Fixed Interest Swap and Guilt Yields Plus Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfFixedInterestSwapAndGuiltYieldsPlusPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fixed interest swap and guilt yields plus percentage</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male" xlink:to="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The life expectancy of male employees after retirement used as a significant actuarial assumption to determine the present value of a defined benefit obligation, who are currently at age 60.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption of Life Expectancy after Retirement, Who are Currently at Age 60, Male</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Male_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Life expectancy of male employees after retirement who are currently at age 60</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female" xlink:to="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The life expectancy of female employees after retirement used as a significant actuarial assumption to determine the present value of a defined benefit obligation, who are currently at age 60.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption of Life Expectancy after Retirement, Who are Currently at Age 60, Female</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAtAge60Female_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Life expectancy of female employees after retirement who are currently at age 60</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male" xlink:to="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The life expectancy of male employees after retirement used as a significant actuarial assumption to determine the present value of a defined benefit obligation, who are currently aged 40.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption of Life Expectancy after Retirement, Who are Currently Aged 40, Male</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Male_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Life expectancy of male employees after retirement who are currently aged 40</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female" xlink:to="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The life expectancy of female employees after retirement used as a significant actuarial assumption to determine the present value of a defined benefit obligation, who are currently aged 40.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption of Life Expectancy after Retirement, Who are Currently Aged 40, Female</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfLifeExpectancyAfterRetirementWhoAreCurrentlyAged40Female_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Life expectancy of female employees after retirement who are currently aged 40</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions" xlink:label="nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions" xlink:to="nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The average cost of future service of current members as percentage of basic salary before contributions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average Cost of Future Service Of Current Members As Percentage Of Basic Salary Before Contributions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AverageCostOfFutureServiceOfCurrentMembersAsPercentageOfBasicSalaryBeforeContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average cost (as a percent)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation" xlink:label="nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation" xlink:to="nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of Impact of guaranteed minimum pension equalisation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of Impact of Guaranteed Minimum Pension Equalisation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_AmountOfImpactOfGuaranteedMinimumPensionEqualisation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of impact of guaranteed minimum pension equalisation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:label="ifrs-full_ActuarialAssumptionOfDiscountRates" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:to="ifrs-full_ActuarialAssumptionOfDiscountRates_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialAssumptionOfDiscountRates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of discount rates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ActuarialAssumptionOfDiscountRates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discount rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation" xlink:to="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of expected rates of inflation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Inflation assumption (RPI)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:to="ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of expected rates of salary increases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Rate of increase in salaries</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionRateOfIncreaseInDeferredPensions" xlink:label="nwg_ActuarialAssumptionRateOfIncreaseInDeferredPensions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionRateOfIncreaseInDeferredPensions" xlink:to="nwg_ActuarialAssumptionRateOfIncreaseInDeferredPensions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionRateOfIncreaseInDeferredPensions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The expected rate of increase in deferred pensions that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionRateOfIncreaseInDeferredPensions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption rate of increase in deferred pensions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionRateOfIncreaseInDeferredPensions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Rate of increase in deferred pensions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases" xlink:to="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of expected rates of pension increases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Rate of increase in pensions in payment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement" xlink:label="nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement" xlink:to="nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of proportion of pension converted to a cash lump sum at the time of retirement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption of Proportion of Pension Converted to Cash Lump Sum at Retirement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfProportionOfPensionConvertedToCashLumpSumAtRetirement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proportion of pension converted to a cash lump sum at retirement</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LongevityAtAge60ForCurrentPensionersMales" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersMales" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LongevityAtAge60ForCurrentPensionersMales" xlink:to="nwg_LongevityAtAge60ForCurrentPensionersMales_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersMales_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity of males, at age 60 for current pensioners.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersMales_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for current pensioners, Males</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersMales_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for current pensioners (years), males</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LongevityAtAge60ForCurrentPensionersFemales" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersFemales" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LongevityAtAge60ForCurrentPensionersFemales" xlink:to="nwg_LongevityAtAge60ForCurrentPensionersFemales_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersFemales_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity of females, at age 60 for current pensioners.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersFemales_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for current pensioners, Females</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_LongevityAtAge60ForCurrentPensionersFemales_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for current pensioners (years), females</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males" xlink:to="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity of males, at age 60 for future pensioners currently aged 40.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for future pensioners currently aged 40, Males</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Males_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for future pensioners currently aged 40 (years), males</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females" xlink:to="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity of females, at age 60 for future pensioners currently aged 40.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for future pensioners currently aged 40, Females</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_LongevityAtAge60ForFuturePensionersCurrentlyAged40Females_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity at age 60 for future pensioners currently aged 40 (years), females</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xlink:label="ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xlink:to="ifrs-full_ActuarialAssumptionOfDiscountRatesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialAssumptionOfDiscountRatesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discount rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xlink:to="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Inflation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember" xlink:label="nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember" xlink:to="nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the expected rates of credit increases used as actuarial assumptions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of credit spreads</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfExpectedRatesOfCreditIncreasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit spreads</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLongevityIncreaseMember" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLongevityIncreaseMember" xlink:to="nwg_ActuarialAssumptionOfLongevityIncreaseMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the longevity increase used as actuarial assumptions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Longevity increase</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember" xlink:to="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pension increase</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember" xlink:label="nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember" xlink:to="nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the expected rates of equity value increases used as actuarial assumptions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfExpectedRatesOfEquityValueIncreasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity values</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ChangeInActuarialAssumptionOfLongevityAxis" xlink:label="nwg_ChangeInActuarialAssumptionOfLongevityAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ChangeInActuarialAssumptionOfLongevityAxis" xlink:to="nwg_ChangeInActuarialAssumptionOfLongevityAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ChangeInActuarialAssumptionOfLongevityAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ChangeInActuarialAssumptionOfLongevityAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Change In Actuarial Assumption Of Longevity [Axis]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ChangeInActuarialAssumptionOfLongevityDomain" xlink:label="nwg_ChangeInActuarialAssumptionOfLongevityDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ChangeInActuarialAssumptionOfLongevityDomain" xlink:to="nwg_ChangeInActuarialAssumptionOfLongevityDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ChangeInActuarialAssumptionOfLongevityDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for changes in actuarial assumption of longevity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ChangeInActuarialAssumptionOfLongevityDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Change In Actuarial Assumption Of Longevity [Domain]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember" xlink:label="nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember" xlink:to="nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for decrease in actuarial assumption of longevity by two years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLongevityDecreaseByTwoYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of longevity, decrease by 2 years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember" xlink:label="nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember" xlink:to="nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for decrease in actuarial assumption of longevity by one year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLongevityDecreaseByOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of longevity, decrease by 1 year</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLongevityNoChangeMember" xlink:label="nwg_ActuarialAssumptionOfLongevityNoChangeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLongevityNoChangeMember" xlink:to="nwg_ActuarialAssumptionOfLongevityNoChangeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLongevityNoChangeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for no change in actuarial assumption of longevity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLongevityNoChangeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of longevity, no change</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember" xlink:to="nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for increase in actuarial assumption of longevity by one year.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseByOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of longevity, increase by 1 year</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember" xlink:to="nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for increase in actuarial assumption of longevity by two years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLongevityIncreaseByTwoYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of longevity, increase by 2 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageDurationOfDefinedBenefitObligation2019" xlink:label="ifrs-full_WeightedAverageDurationOfDefinedBenefitObligation2019" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageDurationOfDefinedBenefitObligation2019" xlink:to="ifrs-full_WeightedAverageDurationOfDefinedBenefitObligation2019_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageDurationOfDefinedBenefitObligation2019_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average duration of defined benefit obligation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xlink:label="ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xlink:to="ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of reasonably possible increase in actuarial assumption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase in actuarial assumption (as a percent)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xlink:label="ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xlink:to="ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of reasonably possible decrease in actuarial assumption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease in actuarial assumption (as a percent)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActuarialAssumptionOfLongevityIncrease" xlink:label="nwg_ActuarialAssumptionOfLongevityIncrease" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActuarialAssumptionOfLongevityIncrease" xlink:to="nwg_ActuarialAssumptionOfLongevityIncrease_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActuarialAssumptionOfLongevityIncrease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial Assumption Of Longevity Increase</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActuarialAssumptionOfLongevityIncrease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial assumption of longevity increase</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:label="nwg_IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:to="nwg_IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in assets for defined benefit obligation due to reasonably possible increase in actuarial assumption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseInAssetsForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Decrease)/ increase in value of assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:label="nwg_IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:to="nwg_IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in liabilities for defined benefit obligation due to reasonably possible increase in actuarial assumption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseInLiabilitiesForDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Decrease)/ increase in value of liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:label="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:to="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in defined benefit obligation due to reasonably possible increase in actuarial assumption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase in net pension assets/ (obligations)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" xlink:label="nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption" xlink:to="nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of increase (decrease) in defined benefit obligation assuming no change in a significant actuarial assumption at the end of the reporting period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) In Defined Benefit Obligation, Assuming No Change In Actuarial Assumption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseInDefinedBenefitObligationAssumingNoChangeInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net pension assets/obligations, assuming no change in one of the actuarial assumption</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:label="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:to="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in defined benefit obligation due to reasonably possible decrease in actuarial assumption</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase(decrease) in net pension assets/obligations, assuming decrease in one of the actuarial assumption</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfActiveClassSchemeMembers" xlink:label="nwg_PercentageOfActiveClassSchemeMembers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfActiveClassSchemeMembers" xlink:to="nwg_PercentageOfActiveClassSchemeMembers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfActiveClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of active class scheme members in defined benefit obligation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfActiveClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of active class scheme members</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfActiveClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Active members</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfDeferredClassSchemeMembers" xlink:label="nwg_PercentageOfDeferredClassSchemeMembers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfDeferredClassSchemeMembers" xlink:to="nwg_PercentageOfDeferredClassSchemeMembers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfDeferredClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of deferred class scheme members in defined benefit obligation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfDeferredClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of deferred class scheme members</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfDeferredClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred members</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfPensionerClassSchemeMembers" xlink:label="nwg_PercentageOfPensionerClassSchemeMembers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfPensionerClassSchemeMembers" xlink:to="nwg_PercentageOfPensionerClassSchemeMembers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfPensionerClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of pensioner class scheme members in defined benefit obligation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfPensionerClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of pensioner class scheme members</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfPensionerClassSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pensioners and dependants</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalClassOfSchemeMembers" xlink:label="nwg_TotalClassOfSchemeMembers" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TotalClassOfSchemeMembers" xlink:to="nwg_TotalClassOfSchemeMembers_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TotalClassOfSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total class of scheme members in defined benefit obligation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TotalClassOfSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total class of scheme members</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_TotalClassOfSchemeMembers_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total proportions to the different classes of scheme</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsBeforeTaxDefinedBenefitPlans" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsBeforeTaxDefinedBenefitPlans" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsBeforeTaxDefinedBenefitPlans" xlink:to="ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsBeforeTaxDefinedBenefitPlans_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsBeforeTaxDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actuarial gains (losses) arising from experience adjustments, before tax, defined benefit plans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromExperienceAdjustmentsBeforeTaxDefinedBenefitPlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Experience gains/(losses)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ActualReturnOnPlanAssets" xlink:label="nwg_ActualReturnOnPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ActualReturnOnPlanAssets" xlink:to="nwg_ActualReturnOnPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ActualReturnOnPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actual return on plan assets refers to the dividends, interest, and capital gains generated by assets held in a company's pension fund.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ActualReturnOnPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actual return on plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ActualReturnOnPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actual return on plan assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfActualReturnOnPlanAssets" xlink:label="nwg_PercentageOfActualReturnOnPlanAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfActualReturnOnPlanAssets" xlink:to="nwg_PercentageOfActualReturnOnPlanAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfActualReturnOnPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of actual return on plan assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfActualReturnOnPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of actual return on plan assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfActualReturnOnPlanAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Actual return on plan assets - %</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts" xlink:to="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable to the entity's auditors for auditing services with respect to group annual accounts.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Audit Services Of Group Annual Accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfGroupAnnualAccounts_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees payable for the audit of NatWest Group's annual accounts</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries" xlink:to="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable to the entity's auditors for auditing services with respect to subsidiaries.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Audit Services Of Subsidiaries</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfSubsidiaries_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees payable for the audit of NatWest Group plc's subsidiaries</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices" xlink:to="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable to the entity's auditors for auditing services related to assurance services.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Audit Services Of Related Assurance Services</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForAuditServicesOfRelatedAssuranceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees payable for audit-related assurance services</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AuditorsRemunerationForAuditServices" xlink:label="ifrs-full_AuditorsRemunerationForAuditServices" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AuditorsRemunerationForAuditServices" xlink:to="ifrs-full_AuditorsRemunerationForAuditServices_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AuditorsRemunerationForAuditServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditor's remuneration for audit services</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_AuditorsRemunerationForAuditServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total audit and audit-related assurance services fees</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices" xlink:to="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable to the entity's auditors for other assurance services.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Other Services Related To Assurance Services</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAssuranceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assurance services</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices" xlink:to="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable to the entity's auditors for corporate finance services.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Other Services Related To Corporate Finance Services</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToCorporateFinanceServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Corporate finance services</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AuditorsRemunerationForOtherServices" xlink:label="ifrs-full_AuditorsRemunerationForOtherServices" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AuditorsRemunerationForOtherServices" xlink:to="ifrs-full_AuditorsRemunerationForOtherServices_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AuditorsRemunerationForOtherServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditor's remuneration for other services</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_AuditorsRemunerationForOtherServices_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total other services</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PaymentOfAuditorsRemuneration" xlink:label="nwg_PaymentOfAuditorsRemuneration" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PaymentOfAuditorsRemuneration" xlink:to="nwg_PaymentOfAuditorsRemuneration_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PaymentOfAuditorsRemuneration_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of auditors remuneration paid during the year for audit services.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PaymentOfAuditorsRemuneration_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payment of Auditors Remuneration</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PaymentOfAuditorsRemuneration_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Audit fees paid</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation" xlink:to="nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable for review of interim financial information.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Audit Services Related To Review of Interim Financial Information</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToReviewOfInterimFinancialInformation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees for review of interim financial information</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports" xlink:to="nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable for reports to the regulatory.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Audit Services Related To Regulatory Reports</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToRegulatoryReports_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees for reports to the regulatory</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions" xlink:to="nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable for non-statutory audit opinions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Audit Services Related To Non Statutory Audit Opinions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForAuditServicesRelatedToNonStatutoryAuditOpinions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees for non-statutory audit opinions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances" xlink:to="nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fees paid or payable for the auditors as reporting accountants on debt and equity issuances.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Auditors Remuneration For Other Services Related To the Auditors As Reporting Accountants on Debt and Equity Issuances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuditorsRemunerationForOtherServicesRelatedToAuditorsAsReportingAccountantsOnDebtAndEquityIssuances_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fees for the auditors as reporting accountants on debt and equity issuances</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriodsAbstract" xlink:label="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriodsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriodsAbstract" xlink:to="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriodsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriodsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current tax expense (income) and adjustments for current tax of prior periods [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriodsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current tax:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentTaxExpenseIncome" xlink:label="ifrs-full_CurrentTaxExpenseIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrentTaxExpenseIncome" xlink:to="ifrs-full_CurrentTaxExpenseIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrentTaxExpenseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current tax expense (income)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_CurrentTaxExpenseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Charge for the year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod" xlink:label="ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod" xlink:to="ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for current tax of prior periods</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_AdjustmentsForCurrentTaxOfPriorPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Over provision in respect of prior years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xlink:label="ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DeferredTaxExpenseIncomeRelatingToTaxRateChangesOrImpositionOfNewTaxes_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK tax rate change impact</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ApplicableTaxRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK corporation tax</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_NL" xlink:label="country_NL" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="country_NL_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Netherlands</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TaxExpenseIncomeAtApplicableTaxRate" xlink:label="ifrs-full_TaxExpenseIncomeAtApplicableTaxRate" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_TaxExpenseIncomeAtApplicableTaxRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected tax (charge)/credit</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised" xlink:label="nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised" xlink:to="nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">" The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to losses and temporary differences expenses not deductible in determining taxable profit (tax loss)."</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect Of Losses And Temporary Differences Where No Deferred Tax Asset Recognised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="nwg_TaxEffectOfLossesAndTemporaryDifferencesWhereNoDeferredTaxAssetRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Losses and temporary differences in year where no deferred tax asset recognised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TaxEffectOfForeignTaxRates" xlink:label="ifrs-full_TaxEffectOfForeignTaxRates" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_TaxEffectOfForeignTaxRates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign profits taxed at other rates</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TaxEffectOfImpairmentOfGoodwill" xlink:label="ifrs-full_TaxEffectOfImpairmentOfGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TaxEffectOfImpairmentOfGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax effect of impairment of goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_TaxEffectOfImpairmentOfGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-deductible goodwill impairment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOfLossesOnDisposalsAndWritedownsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" xlink:label="nwg_TaxEffectOfLossesOnDisposalsAndWritedownsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOfLossesOnDisposalsAndWritedownsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to losses on disposals and writedowns expenses not deductible in determining taxable profit (tax loss).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOfLossesOnDisposalsAndWritedownsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect Of Losses On Disposals And Writedowns Expense Not Deductible In Determining Taxable Profit Tax Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_TaxEffectOfLossesOnDisposalsAndWritedownsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">losses on disposals and write-downs</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOfBankLevyExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" xlink:label="nwg_TaxEffectOfBankLevyExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOfBankLevyExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to bank levy expenses not deductible in determining taxable profit (tax loss).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOfBankLevyExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect Of Bank Levy Expense Not Deductible In Determining Taxable Profit Tax Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_TaxEffectOfBankLevyExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK bank levy</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" xlink:label="nwg_TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to regulatory and legal actions expenses not deductible in determining taxable profit (tax loss).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOfRegulatoryAndLegalActionsExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect Of Regulatory And Legal Actions Expense Not Deductible In Determining Taxable Profit Tax Loss</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOfOtherExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect Of Other Expense Not Deductible In Determining Taxable Profit Tax Loss</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOnGainOnSaleOfAlawwalBankMergerDisposal" xlink:label="nwg_TaxEffectOnGainOnSaleOfAlawwalBankMergerDisposal" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings" xlink:label="nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings" xlink:to="nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to FX recycling on the liquidation of RFS Holdings.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect On FX Recycling on the Liquidation of RFS Holdings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_TaxEffectOnFxRecyclingOnLiquidationOfRfsHoldings_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">FX recycling on the liquidation of RFS Holdings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" xlink:label="ifrs-full_OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" xlink:to="ifrs-full_OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other tax effects for reconciliation between accounting profit and tax expense (income)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">other non-taxable items</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOnForeignExchangeMovements" xlink:label="nwg_TaxEffectOnForeignExchangeMovements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxEffectOnForeignExchangeMovements" xlink:to="nwg_TaxEffectOnForeignExchangeMovements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOnForeignExchangeMovements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to foreign exchange movements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOnForeignExchangeMovements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect On Foreign Exchange Movements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_TaxEffectOnForeignExchangeMovements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Taxable foreign exchange movements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOnLossesBroughtForwardAndUtilised" xlink:label="nwg_TaxEffectOnLossesBroughtForwardAndUtilised" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxEffectOnLossesBroughtForwardAndUtilised" xlink:to="nwg_TaxEffectOnLossesBroughtForwardAndUtilised_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOnLossesBroughtForwardAndUtilised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to losses brought forward and utilised.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOnLossesBroughtForwardAndUtilised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect On Losses Brought Forward And Utilised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="nwg_TaxEffectOnLossesBroughtForwardAndUtilised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unrecognised losses brought forward and utilised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxExpenseIncome" xlink:label="ifrs-full_DeferredTaxExpenseIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DeferredTaxExpenseIncome" xlink:to="ifrs-full_DeferredTaxExpenseIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DeferredTaxExpenseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax expense (income)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DeferredTaxExpenseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Decrease)/increase in the carrying value of deferred tax assets in respect of:</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOnBankingSurcharge" xlink:label="nwg_TaxEffectOnBankingSurcharge" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxEffectOnBankingSurcharge" xlink:to="nwg_TaxEffectOnBankingSurcharge_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOnBankingSurcharge_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to banking surcharge.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOnBankingSurcharge_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect On Banking Surcharge</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_TaxEffectOnBankingSurcharge_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Banking surcharge</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeTaxBenefitFromServicingCostOfInstruments" xlink:label="nwg_IncomeTaxBenefitFromServicingCostOfInstruments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncomeTaxBenefitFromServicingCostOfInstruments" xlink:to="nwg_IncomeTaxBenefitFromServicingCostOfInstruments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncomeTaxBenefitFromServicingCostOfInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The aggregate amount of tax benefit for the period in respect servicing cost of instruments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncomeTaxBenefitFromServicingCostOfInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income Tax Benefit from Servicing Cost of Instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncomeTaxBenefitFromServicingCostOfInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax on paid-in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TaxEffectFromChangeInTaxRate" xlink:label="ifrs-full_TaxEffectFromChangeInTaxRate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TaxEffectFromChangeInTaxRate" xlink:to="ifrs-full_TaxEffectFromChangeInTaxRate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TaxEffectFromChangeInTaxRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax effect from change in tax rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_TaxEffectFromChangeInTaxRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK tax rate change impact</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TaxEffectFromChangeInTaxRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK tax rate change impact</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears" xlink:label="nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears" xlink:to="nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to adjustments in respect of prior years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax Effect On Adjustments In Respect Of Prior Years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_TaxEffectOnAdjustmentsInRespectOfPriorYears_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments in respect of prior years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetDeferredTaxAssetsAndLiabilitiesAbstract" xlink:label="ifrs-full_NetDeferredTaxAssetsAndLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetDeferredTaxAssetsAndLiabilitiesAbstract" xlink:to="ifrs-full_NetDeferredTaxAssetsAndLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetDeferredTaxAssetsAndLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxAssets" xlink:label="ifrs-full_DeferredTaxAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DeferredTaxAssets" xlink:to="ifrs-full_DeferredTaxAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DeferredTaxAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_DeferredTaxAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax asset</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DeferredTaxAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax (Note 7)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DeferredTaxAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax asset</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxLiabilities" xlink:label="ifrs-full_DeferredTaxLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DeferredTaxLiabilities" xlink:to="ifrs-full_DeferredTaxLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DeferredTaxLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DeferredTaxLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax (Note 7)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DeferredTaxLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax liability</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxLiabilityAsset" xlink:label="ifrs-full_DeferredTaxLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DeferredTaxLiabilityAsset" xlink:to="ifrs-full_DeferredTaxLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DeferredTaxLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_DeferredTaxLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_DeferredTaxLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_DeferredTaxLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net deferred tax asset</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeTaxDisclosureTable" xlink:label="nwg_IncomeTaxDisclosureTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncomeTaxDisclosureTable" xlink:to="nwg_IncomeTaxDisclosureTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncomeTaxDisclosureTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule disclosing information related to income tax disclosures.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncomeTaxDisclosureTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income tax disclosure [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xlink:label="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xlink:to="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Temporary difference, unused tax losses and unused tax credits [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsMember" xlink:label="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsMember" xlink:to="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Temporary difference, unused tax losses and unused tax credits [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredTaxPensionMember" xlink:label="nwg_DeferredTaxPensionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredTaxPensionMember" xlink:to="nwg_DeferredTaxPensionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredTaxPensionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for temporary differences relating to pension plans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredTaxPensionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pension</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredTaxAcceleratedCapitalAllowancesMember" xlink:label="nwg_DeferredTaxAcceleratedCapitalAllowancesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredTaxAcceleratedCapitalAllowancesMember" xlink:to="nwg_DeferredTaxAcceleratedCapitalAllowancesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredTaxAcceleratedCapitalAllowancesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for temporary differences relating to accelerated capital allowances.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredTaxAcceleratedCapitalAllowancesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accelerated capital allowances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredTaxProvisionsMember" xlink:label="nwg_DeferredTaxProvisionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredTaxProvisionsMember" xlink:to="nwg_DeferredTaxProvisionsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredTaxProvisionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for temporary differences relating to provisions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredTaxProvisionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provisions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredTaxFairValueOfFinancialInstrumentsMember" xlink:label="nwg_DeferredTaxFairValueOfFinancialInstrumentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredTaxFairValueOfFinancialInstrumentsMember" xlink:to="nwg_DeferredTaxFairValueOfFinancialInstrumentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredTaxFairValueOfFinancialInstrumentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for temporary differences relating to the fair value of financial instruments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredTaxFairValueOfFinancialInstrumentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of financial instruments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnusedTaxLossesMember" xlink:label="ifrs-full_UnusedTaxLossesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnusedTaxLossesMember" xlink:to="ifrs-full_UnusedTaxLossesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnusedTaxLossesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total losses carried forward</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherTemporaryDifferencesMember" xlink:label="ifrs-full_OtherTemporaryDifferencesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherTemporaryDifferencesMember" xlink:to="ifrs-full_OtherTemporaryDifferencesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherTemporaryDifferencesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other temporary differences</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherTemporaryDifferencesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeTaxDisclosureLineItems" xlink:label="nwg_IncomeTaxDisclosureLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncomeTaxDisclosureLineItems" xlink:to="nwg_IncomeTaxDisclosureLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncomeTaxDisclosureLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncomeTaxDisclosureLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income tax disclosure [line items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReconciliationOfChangesInDeferredTaxLiabilityAssetAbstract" xlink:label="ifrs-full_ReconciliationOfChangesInDeferredTaxLiabilityAssetAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReconciliationOfChangesInDeferredTaxLiabilityAssetAbstract" xlink:to="ifrs-full_ReconciliationOfChangesInDeferredTaxLiabilityAssetAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReconciliationOfChangesInDeferredTaxLiabilityAssetAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of changes in deferred tax liability (asset) [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReconciliationOfChangesInDeferredTaxLiabilityAssetAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of net deferred tax asset</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:label="ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:to="ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax expense (income) recognised in profit or loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Charge/(credit) to income statement</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome" xlink:label="nwg_DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome" xlink:to="nwg_DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax expense (income) recognised in other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax expense (income) recognised in other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DeferredTaxExpenseIncomeRecognisedInOtherComprehensiveIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Charge/(credit) to other comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" xlink:to="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through net exchange differences, deferred tax liability (asset)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency translation and other adjustments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CountryOfDomicileMember" xlink:label="ifrs-full_CountryOfDomicileMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CountryOfDomicileMember" xlink:to="ifrs-full_CountryOfDomicileMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CountryOfDomicileMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Country of domicile</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CountryOfDomicileMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ForeignCountriesMember" xlink:label="ifrs-full_ForeignCountriesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ForeignCountriesMember" xlink:to="ifrs-full_ForeignCountriesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ForeignCountriesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign countries</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ForeignCountriesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ireland</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SubsidiariesMember" xlink:label="ifrs-full_SubsidiariesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SubsidiariesMember" xlink:to="ifrs-full_SubsidiariesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SubsidiariesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subsidiary</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsPlcMember" xlink:label="nwg_NatwestMarketsPlcMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsPlcMember" xlink:to="nwg_NatwestMarketsPlcMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Markets Plc subordinated debt.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Markets Plc</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestminsterBankPlcMember" xlink:label="nwg_NationalWestminsterBankPlcMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestminsterBankPlcMember" xlink:to="nwg_NationalWestminsterBankPlcMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestminsterBankPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the National Westminster Bank Plc, a subsidiary of the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestminsterBankPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminster Bank Plc</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RbsPlcMember" xlink:label="nwg_RbsPlcMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RbsPlcMember" xlink:to="nwg_RbsPlcMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RbsPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The RBS Pls, a subsidiary of the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RbsPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">RBS plc</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UlsterBankMember" xlink:label="nwg_UlsterBankMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UlsterBankMember" xlink:to="nwg_UlsterBankMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UlsterBankMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the Ulster Bank, a subsidiary of the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UlsterBankMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ulster Bank</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketNVMember" xlink:label="nwg_NatwestMarketNVMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketNVMember" xlink:to="nwg_NatwestMarketNVMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketNVMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Market N.V. (NWM N.V.).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketNVMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NWM N.V.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAbstract" xlink:label="ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAbstract" xlink:to="ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of temporary difference, unused tax losses and unused tax credits [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unused tax losses</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="dei_LegalEntityAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LegalEntityAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Legal Entity [Axis]</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="dei_EntityDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity [Domain]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember" xlink:label="nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember" xlink:to="nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effect of future tax rate change on recognised deferred tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EffectOfFutureTaxRateChangeOnRecognisedDeferredTaxMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effect of future tax rate change on recognised deferred tax [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnusedTaxCreditsMember" xlink:label="ifrs-full_UnusedTaxCreditsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnusedTaxCreditsMember" xlink:to="ifrs-full_UnusedTaxCreditsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnusedTaxCreditsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total tax credits carryforward</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_WithinFiveYearsMember" xlink:label="nwg_WithinFiveYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_WithinFiveYearsMember" xlink:to="nwg_WithinFiveYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_WithinFiveYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a time band within five years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_WithinFiveYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">within 5 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanFiveYearsMember" xlink:label="ifrs-full_LaterThanFiveYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanFiveYearsMember" xlink:to="ifrs-full_LaterThanFiveYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanFiveYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">After 5 years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LimitOfLossesCarriedForwardPercentage" xlink:label="nwg_LimitOfLossesCarriedForwardPercentage" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LimitOfLossesCarriedForwardPercentage" xlink:to="nwg_LimitOfLossesCarriedForwardPercentage_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LimitOfLossesCarriedForwardPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the limit as a percent of profits that can be offset by losses carried forward.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LimitOfLossesCarriedForwardPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Limit of Losses Carried Forward Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LimitOfLossesCarriedForwardPercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Limit of offset of losses carried forward (as a percent)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BankingSurchargeRate" xlink:label="nwg_BankingSurchargeRate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BankingSurchargeRate" xlink:to="nwg_BankingSurchargeRate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BankingSurchargeRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The banking surcharge rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BankingSurchargeRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Banking Surcharge Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BankingSurchargeRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Banking surcharge rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInDeferredTaxLiabilityAsset" xlink:label="ifrs-full_IncreaseDecreaseInDeferredTaxLiabilityAsset" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInDeferredTaxLiabilityAsset" xlink:to="ifrs-full_IncreaseDecreaseInDeferredTaxLiabilityAsset_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInDeferredTaxLiabilityAsset_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in deferred tax liability (asset)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsOperatingLossCarryforwards" xlink:label="nwg_IfrsOperatingLossCarryforwards" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsOperatingLossCarryforwards" xlink:to="nwg_IfrsOperatingLossCarryforwards_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsOperatingLossCarryforwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of operating loss carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsOperatingLossCarryforwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ifrs Operating Loss Carryforwards</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsOperatingLossCarryforwards_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax losses carried forward</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TaxLossesForWhichDeferredTaxAssetsAreRecognised" xlink:label="nwg_TaxLossesForWhichDeferredTaxAssetsAreRecognised" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TaxLossesForWhichDeferredTaxAssetsAreRecognised" xlink:to="nwg_TaxLossesForWhichDeferredTaxAssetsAreRecognised_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TaxLossesForWhichDeferredTaxAssetsAreRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax losses for which deferred tax assets are recognised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TaxLossesForWhichDeferredTaxAssetsAreRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax losses for which deferred tax assets are recognised</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredTaxAssetsThatHaveNotBeenRecognised" xlink:label="nwg_DeferredTaxAssetsThatHaveNotBeenRecognised" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredTaxAssetsThatHaveNotBeenRecognised" xlink:to="nwg_DeferredTaxAssetsThatHaveNotBeenRecognised_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredTaxAssetsThatHaveNotBeenRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax assets that have not been recognised in respect of tax losses and other temporary differences carried forward.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredTaxAssetsThatHaveNotBeenRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax assets that have not been recognised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" xlink:label="ifrs-full_DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised" xlink:to="ifrs-full_DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deductible temporary differences for which no deferred tax asset is recognised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DeductibleTemporaryDifferencesForWhichNoDeferredTaxAssetIsRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax losses and other temporary differences for which no deferred tax asset has been recognised</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DeferredTaxLiabilitiesNotRecognised" xlink:label="nwg_DeferredTaxLiabilitiesNotRecognised" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DeferredTaxLiabilitiesNotRecognised" xlink:to="nwg_DeferredTaxLiabilitiesNotRecognised_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DeferredTaxLiabilitiesNotRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of tax deferred tax liabilities over temporary differences that have not been recognised as the company doesn't expect any taxation arising from them.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DeferredTaxLiabilitiesNotRecognised_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax liabilities not recognised</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ExpectedFutureTaxationFromUnrecognisedDeferredTaxLiabilities" xlink:label="nwg_ExpectedFutureTaxationFromUnrecognisedDeferredTaxLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ExpectedFutureTaxationFromUnrecognisedDeferredTaxLiabilities" xlink:to="nwg_ExpectedFutureTaxationFromUnrecognisedDeferredTaxLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ExpectedFutureTaxationFromUnrecognisedDeferredTaxLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of expected future taxation from unrecognised deferred tax liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ExpectedFutureTaxationFromUnrecognisedDeferredTaxLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected future taxation from unrecognised deferred tax liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures" xlink:label="ifrs-full_TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures" xlink:to="ifrs-full_TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Temporary differences associated with investments in subsidiaries, branches and associates and interests in joint arrangements for which deferred tax liabilities have not been recognised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Temporary differences associated with investments in subsidiaries and branches</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Underlying temporary differences in respect of retained earnings of overseas subsidiaries and held-over gains on the incorporation of certain overseas branches</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTaxCreditCarryforwardAmount" xlink:label="nwg_IfrsTaxCreditCarryforwardAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsTaxCreditCarryforwardAmount" xlink:to="nwg_IfrsTaxCreditCarryforwardAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsTaxCreditCarryforwardAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsTaxCreditCarryforwardAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs Tax Credit Carryforward, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsTaxCreditCarryforwardAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax losses carried forward</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsTable" xlink:label="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsTable" xlink:to="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of analysis of single amount of discontinued operations [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AlliedIrishBanksP.l.cMember" xlink:label="nwg_AlliedIrishBanksP.l.cMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AlliedIrishBanksP.l.cMember" xlink:to="nwg_AlliedIrishBanksP.l.cMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AlliedIrishBanksP.l.cMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Allied Irish Banks, p.l.c.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AlliedIrishBanksP.l.cMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Allied Irish Banks, p.l.c</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PermanentTsbGroupHoldingsP.l.c.Member" xlink:label="nwg_PermanentTsbGroupHoldingsP.l.c.Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PermanentTsbGroupHoldingsP.l.c.Member" xlink:to="nwg_PermanentTsbGroupHoldingsP.l.c.Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PermanentTsbGroupHoldingsP.l.c.Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The member stands for Permanent TSB Group Holdings p.l.c.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PermanentTsbGroupHoldingsP.l.c.Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Permanent TSB Group Holdings p.l.c.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsLineItems" xlink:label="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsLineItems" xlink:to="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfAnalysisOfSingleAmountOfDiscontinuedOperationsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of analysis of single amount of discontinued operations [line items]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness" xlink:label="nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness" xlink:to="nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of legally binding agreements for sale of business.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Legally Binding Agreements for Sale of Business</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfLegallyBindingAgreementsForSaleOfBusiness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of legally binding agreements for sale of business</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" xlink:label="ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" xlink:to="ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds from sales or maturity of financial instruments, classified as investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Binding sale agreement transfer amount</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure" xlink:label="nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure" xlink:to="nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The additional amount of undrawn exposure of binding sale agreement transfer.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Binding Sale Agreement Transfer Additional Amount of Undrawn Exposure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BindingSaleAgreementTransferAdditionalAmountOfUndrawnExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Binding sale agreement, additional amount of undrawn exposures</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ApproximateNumberOfEmployeesHaveRightToTransfer" xlink:label="nwg_ApproximateNumberOfEmployeesHaveRightToTransfer" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ApproximateNumberOfEmployeesHaveRightToTransfer" xlink:to="nwg_ApproximateNumberOfEmployeesHaveRightToTransfer_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ApproximateNumberOfEmployeesHaveRightToTransfer_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The approximate number of employees have the right to be transfer.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ApproximateNumberOfEmployeesHaveRightToTransfer_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Approximate Number of Employees Have Right to Transfer</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ApproximateNumberOfEmployeesHaveRightToTransfer_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Approximate number of employees will have the right to transfer</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xlink:label="ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax expense relating to profit (loss) from ordinary activities of discontinued operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax (charge)/credit</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax" xlink:label="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax" xlink:to="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The profit (loss) after tax expense or income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit Loss From Ordinary Activities Of Discontinued Operations Net Of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_ProfitLossFromOrdinaryActivitiesOfDiscontinuedOperationsNetOfTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit after tax</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable" xlink:label="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable" xlink:to="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule disclosing information related to non-current assets or disposal groups classified as held for sale.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Noncurrent Assets or Disposal Groups Classified As Held for Sale [Table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems" xlink:label="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems" xlink:to="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Noncurrent Assets or Disposal Groups Classified As Held for Sale [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Noncurrent assets or disposal groups classified as held for sale</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AssetsOfDisposalGroupsAbstract" xlink:label="nwg_AssetsOfDisposalGroupsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AssetsOfDisposalGroupsAbstract" xlink:to="nwg_AssetsOfDisposalGroupsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AssetsOfDisposalGroupsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets of disposal groups abstract.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AssetsOfDisposalGroupsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets of disposal groups [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AssetsOfDisposalGroupsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets of disposal groups</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LiabilitiesOfDisposalGroupsAbstract" xlink:label="nwg_LiabilitiesOfDisposalGroupsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LiabilitiesOfDisposalGroupsAbstract" xlink:to="nwg_LiabilitiesOfDisposalGroupsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LiabilitiesOfDisposalGroupsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities Of Disposal Groups [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LiabilitiesOfDisposalGroupsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities Of Disposal Groups</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetAssetsLiabilities" xlink:label="ifrs-full_NetAssetsLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetAssetsLiabilities" xlink:to="ifrs-full_NetAssetsLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetAssetsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets (liabilities)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_NetAssetsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net assets of disposal groups</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xlink:to="ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows from (used in) operating activities, discontinued operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net cash flows from operating activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsDiscontinuedOperations" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsDiscontinuedOperations" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsDiscontinuedOperations" xlink:to="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsDiscontinuedOperations_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in cash and cash equivalents, discontinued operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalentsDiscontinuedOperations_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net increase/(decrease) in cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EarningsPerShareTable" xlink:label="ifrs-full_EarningsPerShareTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EarningsPerShareTable" xlink:to="ifrs-full_EarningsPerShareTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EarningsPerShareTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Earnings per share [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EarningsPerShareLineItems" xlink:label="ifrs-full_EarningsPerShareLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EarningsPerShareLineItems" xlink:to="ifrs-full_EarningsPerShareLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EarningsPerShareLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Earnings per share [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_EarningsPerShareLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Earnings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:label="ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit (loss) from continuing operations attributable to ordinary equity holders of parent entity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit/(loss) from continuing operations attributable to ordinary shareholders</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:label="ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:to="ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit (loss) from discontinued operations attributable to ordinary equity holders of parent entity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit from discontinued operations attributable to ordinary shareholders</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageSharesAndAdjustedWeightedAverageSharesAbstract" xlink:label="ifrs-full_WeightedAverageSharesAndAdjustedWeightedAverageSharesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageSharesAndAdjustedWeightedAverageSharesAbstract" xlink:to="ifrs-full_WeightedAverageSharesAndAdjustedWeightedAverageSharesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageSharesAndAdjustedWeightedAverageSharesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average ordinary shares and adjusted weighted average ordinary shares [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_WeightedAverageSharesAndAdjustedWeightedAverageSharesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average number of shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_WeightedAverageShares" xlink:label="ifrs-full_WeightedAverageShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_WeightedAverageShares" xlink:to="ifrs-full_WeightedAverageShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_WeightedAverageShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Weighted average number of ordinary shares outstanding during the year</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares" xlink:label="nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of dilutive potential ordinary shares that relate to the assumed exercise of the entity's share options and conversion of the entity's convertible instruments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dilutive Effect Of Share Options And Convertible Instruments On Number Of Ordinary Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DilutiveEffectOfShareOptionsAndConvertibleInstrumentsOnNumberOfOrdinaryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effect of dilutive share options and convertible securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdjustedWeightedAverageShares" xlink:label="ifrs-full_AdjustedWeightedAverageShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdjustedWeightedAverageShares" xlink:to="ifrs-full_AdjustedWeightedAverageShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdjustedWeightedAverageShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjusted weighted average number of ordinary shares outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_AdjustedWeightedAverageShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Diluted weighted average number of ordinary shares outstanding during the year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CategoriesOfFinancialAssetsAxis" xlink:label="ifrs-full_CategoriesOfFinancialAssetsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CategoriesOfFinancialAssetsAxis" xlink:to="ifrs-full_CategoriesOfFinancialAssetsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CategoriesOfFinancialAssetsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Categories of financial assets [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsCategoryMember" xlink:label="ifrs-full_FinancialAssetsCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsCategoryMember" xlink:to="ifrs-full_FinancialAssetsCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets, category [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:to="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Designated as at fair value through profit or loss [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">MVFTPL</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:to="ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">FVOCI</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:label="ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:to="ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amortised cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AssetsAndLiabilitiesAxis" xlink:label="ifrs-full_AssetsAndLiabilitiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AssetsAndLiabilitiesAxis" xlink:to="ifrs-full_AssetsAndLiabilitiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AssetsAndLiabilitiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets and liabilities [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AssetsAndLiabilitiesMember" xlink:label="ifrs-full_AssetsAndLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AssetsAndLiabilitiesMember" xlink:to="ifrs-full_AssetsAndLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AssetsAndLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets and liabilities [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialAssetsOtherMember" xlink:label="nwg_FinancialAssetsOtherMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialAssetsOtherMember" xlink:to="nwg_FinancialAssetsOtherMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialAssetsOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the other financial assets category.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialAssetsOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets, other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FinancialAssetsOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsCashAndCashEquivalentsMember" xlink:label="nwg_IfrsCashAndCashEquivalentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsCashAndCashEquivalentsMember" xlink:to="nwg_IfrsCashAndCashEquivalentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsCashAndCashEquivalentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsCashAndCashEquivalentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash and balances at central banks</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingAssetsMember" xlink:label="nwg_TradingAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingAssetsMember" xlink:to="nwg_TradingAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to trading assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativesMember" xlink:label="ifrs-full_DerivativesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DerivativesMember" xlink:to="ifrs-full_DerivativesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DerivativesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DerivativesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SettlementBalancesAssetMember" xlink:label="nwg_SettlementBalancesAssetMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SettlementBalancesAssetMember" xlink:to="nwg_SettlementBalancesAssetMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SettlementBalancesAssetMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the settlement balance assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SettlementBalancesAssetMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansToBanksAmortisedCostMember" xlink:label="nwg_LoansToBanksAmortisedCostMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansToBanksAmortisedCostMember" xlink:to="nwg_LoansToBanksAmortisedCostMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansToBanksAmortisedCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of amortised cost for loans to banks.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansToBanksAmortisedCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to banks - amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansToCustomersAmortisedCostMember" xlink:label="nwg_LoansToCustomersAmortisedCostMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansToCustomersAmortisedCostMember" xlink:to="nwg_LoansToCustomersAmortisedCostMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansToCustomersAmortisedCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of amortised cost for loans to customers.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansToCustomersAmortisedCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers - amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialAssetsMember" xlink:label="nwg_OtherFinancialAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialAssetsMember" xlink:to="nwg_OtherFinancialAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for other financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets (Other)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherFinancialAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherAssetsMember" xlink:label="ifrs-full_OtherAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherAssetsMember" xlink:to="ifrs-full_OtherAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets, other [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AssetsOfDisposalGroupsMember" xlink:label="nwg_AssetsOfDisposalGroupsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AssetsOfDisposalGroupsMember" xlink:to="nwg_AssetsOfDisposalGroupsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AssetsOfDisposalGroupsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for assets of disposal groups.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AssetsOfDisposalGroupsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets of Disposal Groups [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:label="ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:to="ifrs-full_ItemsInCourseOfCollectionFromOtherBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ItemsInCourseOfCollectionFromOtherBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Items in course of collection from other banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ItemsInCourseOfCollectionFromOtherBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Items in course of collection from other banks</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:label="ifrs-full_DerivativeFinancialAssetsHeldForHedging" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:to="ifrs-full_DerivativeFinancialAssetsHeldForHedging_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DerivativeFinancialAssetsHeldForHedging_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative financial assets held for hedging</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DerivativeFinancialAssetsHeldForHedging_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net hedging derivative assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssets" xlink:label="ifrs-full_FinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssets" xlink:to="ifrs-full_FinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_FinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xlink:label="ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xlink:to="ifrs-full_CategoriesOfFinancialLiabilitiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CategoriesOfFinancialLiabilitiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Categories of financial liabilities [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilitiesCategoryMember" xlink:label="ifrs-full_FinancialLiabilitiesCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilitiesCategoryMember" xlink:to="ifrs-full_FinancialLiabilitiesCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilitiesCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities, category [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:to="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities at fair value through profit or loss that meet definition of held for trading</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Held-for-trading</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:to="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">DFV.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:label="ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:to="ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities at amortised cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialAssetsAndLiabilitiesCategoryMember" xlink:label="nwg_FinancialAssetsAndLiabilitiesCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialAssetsAndLiabilitiesCategoryMember" xlink:to="nwg_FinancialAssetsAndLiabilitiesCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialAssetsAndLiabilitiesCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for aggregated categories of financial assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialAssetsAndLiabilitiesCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Assets and Liabilities, Category</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialLiabilitiesCategoryMember" xlink:label="nwg_OtherFinancialLiabilitiesCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialLiabilitiesCategoryMember" xlink:to="nwg_OtherFinancialLiabilitiesCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialLiabilitiesCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the other financial liabilities category.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialLiabilitiesCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MeasurementAxis" xlink:label="ifrs-full_MeasurementAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MeasurementAxis" xlink:to="ifrs-full_MeasurementAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MeasurementAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Measurement [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AggregatedMeasurementMember" xlink:label="ifrs-full_AggregatedMeasurementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AggregatedMeasurementMember" xlink:to="ifrs-full_AggregatedMeasurementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AggregatedMeasurementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Aggregated measurement [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xlink:label="ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xlink:to="ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Items where fair values approximates carrying value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfFinancialLiabilitiesAxis" xlink:label="ifrs-full_ClassesOfFinancialLiabilitiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfFinancialLiabilitiesAxis" xlink:to="ifrs-full_ClassesOfFinancialLiabilitiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfFinancialLiabilitiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of financial liabilities [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilitiesMember" xlink:label="ifrs-full_FinancialLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilitiesMember" xlink:to="ifrs-full_FinancialLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsByBanksMember" xlink:label="nwg_DepositsByBanksMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepositsByBanksMember" xlink:to="nwg_DepositsByBanksMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepositsByBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deposits by banks.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepositsByBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deposits by banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DepositsByBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bank deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsByCustomerMember" xlink:label="nwg_DepositsByCustomerMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepositsByCustomerMember" xlink:to="nwg_DepositsByCustomerMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepositsByCustomerMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deposits by customers.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepositsByCustomerMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Customer deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SettlementBalancesLiabilitiesMember" xlink:label="nwg_SettlementBalancesLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SettlementBalancesLiabilitiesMember" xlink:to="nwg_SettlementBalancesLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SettlementBalancesLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents settlement balance liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SettlementBalancesLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SettlementBalancesLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsTradingLiabilitiesMember" xlink:label="nwg_IfrsTradingLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsTradingLiabilitiesMember" xlink:to="nwg_IfrsTradingLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsTradingLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The carrying amount of liabilities as of the balance sheet date that pertain to principal and customer trading transactions, or which may be incurred with the objective of generating a profit from short-term fluctuations in price as part of an entity's market-making, hedging and proprietary trading. Examples include short positions in securities, derivatives and commodities, obligations under repurchase agreements, and securities borrowed arrangements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsTradingLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialLiabilitiesMember" xlink:label="nwg_OtherFinancialLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialLiabilitiesMember" xlink:to="nwg_OtherFinancialLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for other financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities (other)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SubordinatedFinancialLiabilitiesMember" xlink:label="nwg_SubordinatedFinancialLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SubordinatedFinancialLiabilitiesMember" xlink:to="nwg_SubordinatedFinancialLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SubordinatedFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of liabilities that are subordinate to other liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SubordinatedFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities, subordinated</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SubordinatedFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NotesInCirculationMember" xlink:label="nwg_NotesInCirculationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NotesInCirculationMember" xlink:to="nwg_NotesInCirculationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NotesInCirculationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for notes in circulation, included in accruals and other liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NotesInCirculationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notes in circulation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsOtherLiabilitiesMember" xlink:label="nwg_IfrsOtherLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsOtherLiabilitiesMember" xlink:to="nwg_IfrsOtherLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsOtherLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Primary financial statement caption encompassing other liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsOtherLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsOtherLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Financial liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilities" xlink:label="ifrs-full_FinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilities" xlink:to="ifrs-full_FinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Carrying value, Financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_FinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:to="ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative financial liabilities held for hedging</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net hedging derivative liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:label="ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:to="ifrs-full_ItemsInCourseOfTransmissionToOtherBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ItemsInCourseOfTransmissionToOtherBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Items in course of transmission to other banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ItemsInCourseOfTransmissionToOtherBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Items in course of transmission to other banks</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinanceLeaseReceivables" xlink:label="ifrs-full_FinanceLeaseReceivables" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinanceLeaseReceivables" xlink:to="ifrs-full_FinanceLeaseReceivables_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinanceLeaseReceivables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Finance Lease Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinanceLeaseReceivables_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Finance lease receivable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LeaseLiabilities" xlink:label="ifrs-full_LeaseLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LeaseLiabilities" xlink:to="ifrs-full_LeaseLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LeaseLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lease liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_LeaseLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lease liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_LeaseLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lease liabilities (Note 23)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingAssetsReverseRepurchaseAgreementMember" xlink:label="nwg_TradingAssetsReverseRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingAssetsReverseRepurchaseAgreementMember" xlink:to="nwg_TradingAssetsReverseRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingAssetsReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to trading assets reverse repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingAssetsReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TradingAssetsReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember" xlink:label="nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember" xlink:to="nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of amortised cost for loans to banks reverse repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to banks - amortised cost.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LoansToBanksAmortisedCostReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to banks - amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember" xlink:label="nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember" xlink:to="nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of amortised cost for loans to customers reverse repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers - amortised cost.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LoansToCustomersAmortisedCostReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers - amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsByBanksRepurchaseAgreementMember" xlink:label="nwg_DepositsByBanksRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepositsByBanksRepurchaseAgreementMember" xlink:to="nwg_DepositsByBanksRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepositsByBanksRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deposits by banks repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepositsByBanksRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bank deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsByCustomerRepurchaseAgreementMember" xlink:label="nwg_DepositsByCustomerRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepositsByCustomerRepurchaseAgreementMember" xlink:to="nwg_DepositsByCustomerRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepositsByCustomerRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deposits by customers repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepositsByCustomerRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Customer deposits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DepositsByCustomerRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Customer deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingLiabilitiesRepurchaseAgreementMember" xlink:label="nwg_TradingLiabilitiesRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingLiabilitiesRepurchaseAgreementMember" xlink:to="nwg_TradingLiabilitiesRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingLiabilitiesRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to trading liabilities repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingLiabilitiesRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TradingLiabilitiesRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xlink:label="ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xlink:to="ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reverse repurchase agreements and cash collateral on securities borrowed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reverse repos</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" xlink:label="ifrs-full_RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RepurchaseAgreementsAndCashCollateralOnSecuritiesLent" xlink:to="ifrs-full_RepurchaseAgreementsAndCashCollateralOnSecuritiesLent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RepurchaseAgreementsAndCashCollateralOnSecuritiesLent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Repurchase agreements and cash collateral on securities lent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RepurchaseAgreementsAndCashCollateralOnSecuritiesLent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfFinancialAssetsAndLiabilitiesTable" xlink:label="nwg_DisclosureOfFinancialAssetsAndLiabilitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfFinancialAssetsAndLiabilitiesTable" xlink:to="nwg_DisclosureOfFinancialAssetsAndLiabilitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfFinancialAssetsAndLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule disclosing information related to financial assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfFinancialAssetsAndLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Financial Assets and Liabilities [Table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingReverseRepurchaseAgreementMember" xlink:label="nwg_TradingReverseRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingReverseRepurchaseAgreementMember" xlink:to="nwg_TradingReverseRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for trading reverse repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading reverse repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonTradingReverseRepurchaseAgreementMember" xlink:label="nwg_NonTradingReverseRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonTradingReverseRepurchaseAgreementMember" xlink:to="nwg_NonTradingReverseRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonTradingReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-trading reverse repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonTradingReverseRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non trading reverse repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingRepurchaseAgreementMember" xlink:label="nwg_TradingRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingRepurchaseAgreementMember" xlink:to="nwg_TradingRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for trading repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonTradingRepurchaseAgreementMember" xlink:label="nwg_NonTradingRepurchaseAgreementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonTradingRepurchaseAgreementMember" xlink:to="nwg_NonTradingRepurchaseAgreementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonTradingRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-trading repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonTradingRepurchaseAgreementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non trading repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingRepurchaseReverseRepurchaseAgreementsMember" xlink:label="nwg_TradingRepurchaseReverseRepurchaseAgreementsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingRepurchaseReverseRepurchaseAgreementsMember" xlink:to="nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for trading repurchase / reverse repurchase agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingRepurchaseReverseRepurchaseAgreementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading reverse repos/repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember" xlink:label="nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember" xlink:to="nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-trading repurchase agreements / reverse repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonTradingRepurchaseReverseRepurchaseAgreementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non trading reverse repos / repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfFinancialAssetsAndLiabilitiesLineItems" xlink:label="nwg_DisclosureOfFinancialAssetsAndLiabilitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfFinancialAssetsAndLiabilitiesLineItems" xlink:to="nwg_DisclosureOfFinancialAssetsAndLiabilitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfFinancialAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfFinancialAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Financial Assets and Liabilities [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" xlink:label="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" xlink:to="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net financial assets subject to offsetting, enforceable master netting arrangements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:label="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:to="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Instruments which can be offset</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:label="ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gross financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gross</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:label="ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net amount after the effect of netting arrangements and related collateral</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effect of master netting agreement and similar agreements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" xlink:label="ifrs-full_CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" xlink:to="ifrs-full_CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash collateral pledged subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash collateral</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" xlink:label="nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" xlink:to="nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other collateral pledged that is subject to an enforceable master netting arrangement or similar agreement and that is not set off against financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Financial Collateral Pledged Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_OtherFinancialCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial collateral</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:label="ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net amount after the effect of netting arrangements and related collateral</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement" xlink:label="nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement" xlink:to="nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value of financial liability or contract with one or more underlying, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset, not subject to a netting arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Liability, Not Subject to Master Netting Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FinancialLiabilityNotSubjectToMasterNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Instruments outside netting arrangements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" xlink:label="nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement" xlink:to="nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of offsetable liabilities and inclusion of liabilities not subject to a master netting arrangement and elected not to be offset.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Liability Including Instruments Outside Netting Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FinancialLiabilityIncludingInstrumentsOutsideNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance sheet total</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract" xlink:to="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net Financial Assets or Liabilities Subject to Offsetting Enforceable Master Netting Arrangements or Similar Agreements [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net financial assets or liabilities subject to offsetting, enforceable master netting arrangements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:to="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net Financial Assets or Liabilities Subject to Offsetting Enforceable Master Netting Arrangements or Similar Agreements in Statement of Financial Position [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Instruments which can be offset</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The gross amount of recognised financial assets that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gross Financial Assets or Liabilities Subject to Offsetting Enforceable Master Netting Arrangements or Similar Agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gross</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of financial assets or liabilities set off against financial assets or liabilities when an entity: (a) currently has a legally enforceable right to set off the recognised amounts; and (b) intends either to settle on a net basis or to realise the asset or liabilities and settle the assets or liability simultaneously.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gross Financial Assets or Liabilities Set Off Against Financial Assets or Liabilities Subject to Offsetting Enforceable Master Netting Arrangements or Similar Agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GrossFinancialAssetsOrLiabilitiesSetOffAgainstFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS offset</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:to="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The net amount of financial assets or liabilities that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement, presented in the statement of financial position</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net Financial Assets or Liabilities Subject to Offsetting Enforceable Master Netting Arrangements or Similar Agreements in Statement of Financial Position</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance sheet</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract" xlink:label="nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract" xlink:to="nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts Subject to Enforceable Master Netting Arrangement or Similar Agreement Not Set Off Against Financial Assets or Liabilities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AmountsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Potential for offset not recognised by IFRS</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" xlink:label="nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" xlink:to="nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of cash collateral received that is subject to an enforceable master netting arrangement or similar agreement and that is not set off against financial assets or liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash Collateral Received Subject to Enforceable Master Netting Arrangement or Similar Agreement Not Set Off Against Financial Assets or Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash collateral</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" xlink:label="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities" xlink:to="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other financial collateral that is subject to an enforceable master netting arrangement or similar agreement and that is not set off against financial assets or liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Financial Collateral Subject to Enforceable Master Netting Arrangement or Similar Agreement Not Set Off Against Financial Assets or Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherFinancialCollateralSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssetsOrLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities collateral</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount remaining after deducting the amounts subject to an enforceable master netting arrangement or similar agreement that were not set off against financial assets or liabilities, from the net amount of financial assets or liabilities subject to offsetting or subject to an enforceable master netting arrangement or similar agreement presented in the statement of financial position.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net Financial Assets or Liabilities Subject to Off setting Enforceable Master Netting Arrangements or Similar Agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NetFinancialAssetsOrLiabilitiesSubjectToOffSettingEnforceableMasterNettingArrangementsOrSimilarAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net amount after the effect of netting arrangements and related collateral</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" xlink:label="nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement" xlink:to="nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value of financial assets or liability or contract with one or more underlying, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset, not subject to a netting arrangement.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Assets or Liabilities Not Subject To Master Netting Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FinancialAssetsOrLiabilitiesNotSubjectToMasterNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Instruments outside netting arrangements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" xlink:label="nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement" xlink:to="nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of offsetable assets or liabilities and inclusion of assets or liabilities not subject to a master netting arrangement and elected not to be offset.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Assets or Liabilities Including Instruments Outside Netting Arrangement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FinancialAssetsOrLiabilitiesIncludingInstrumentsOutsideNettingArrangement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance sheet total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ParValuePerShare" xlink:label="ifrs-full_ParValuePerShare" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ParValuePerShare" xlink:to="ifrs-full_ParValuePerShare_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ParValuePerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Par value per share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ParValuePerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Par value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateTable" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateTable" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial instruments by type of interest rate [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrencySwapContractMember" xlink:label="ifrs-full_CurrencySwapContractMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrencySwapContractMember" xlink:to="ifrs-full_CurrencySwapContractMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrencySwapContractMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency swaps</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BasisSwapsMember" xlink:label="nwg_BasisSwapsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BasisSwapsMember" xlink:to="nwg_BasisSwapsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BasisSwapsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for basis swaps.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BasisSwapsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Basis swaps</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TypesOfInterestRatesAxis" xlink:label="ifrs-full_TypesOfInterestRatesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TypesOfInterestRatesAxis" xlink:to="ifrs-full_TypesOfInterestRatesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TypesOfInterestRatesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Types of interest rates [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestRateTypesMember" xlink:label="ifrs-full_InterestRateTypesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestRateTypesMember" xlink:to="ifrs-full_InterestRateTypesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestRateTypesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest rate types [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestRateBenchmarkReformMember" xlink:label="nwg_InterestRateBenchmarkReformMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InterestRateBenchmarkReformMember" xlink:to="nwg_InterestRateBenchmarkReformMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterestRateBenchmarkReformMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the interest rate benchmark reform.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterestRateBenchmarkReformMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IBOR reform</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalExcludingUsdIborMember" xlink:label="nwg_TotalExcludingUsdIborMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TotalExcludingUsdIborMember" xlink:to="nwg_TotalExcludingUsdIborMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TotalExcludingUsdIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total excluding USD IBOR</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TotalExcludingUsdIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total excluding USD IBOR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherIborMember" xlink:label="nwg_OtherIborMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherIborMember" xlink:to="nwg_OtherIborMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for other IBOR.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other IBOR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GbpLiborMember" xlink:label="nwg_GbpLiborMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GbpLiborMember" xlink:to="nwg_GbpLiborMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GbpLiborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for GBP LIBOR.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GbpLiborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">GBP LIBOR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EurIborMember" xlink:label="nwg_EurIborMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EurIborMember" xlink:to="nwg_EurIborMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EurIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for EUR IBOR.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EurIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">EUR IBOR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UsdIborMember" xlink:label="nwg_UsdIborMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UsdIborMember" xlink:to="nwg_UsdIborMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UsdIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for USD IBOR.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UsdIborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">USD IBOR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SubjectToConversionProvisionsUnderIborReformMember" xlink:label="nwg_SubjectToConversionProvisionsUnderIborReformMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SubjectToConversionProvisionsUnderIborReformMember" xlink:to="nwg_SubjectToConversionProvisionsUnderIborReformMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SubjectToConversionProvisionsUnderIborReformMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the exposure subject to conversion provisions for under IBOR reform.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SubjectToConversionProvisionsUnderIborReformMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subject to conversion provisions under IBOR reform</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsCurrencyAxis" xlink:label="nwg_IfrsCurrencyAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsCurrencyAxis" xlink:to="nwg_IfrsCurrencyAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsCurrencyAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Information by currency.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsCurrencyAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs Currency [Axis]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsAllCurrenciesDomain" xlink:label="nwg_IfrsAllCurrenciesDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsAllCurrenciesDomain" xlink:to="nwg_IfrsAllCurrenciesDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsAllCurrenciesDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ISO 4217 currency designators.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsAllCurrenciesDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ifrs All Currencies [Domain]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GbpMember" xlink:label="nwg_GbpMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GbpMember" xlink:to="nwg_GbpMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GbpMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for GBP.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GbpMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">GBP</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UsdMember" xlink:label="nwg_UsdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UsdMember" xlink:to="nwg_UsdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for USD.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">USD</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EurMember" xlink:label="nwg_EurMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EurMember" xlink:to="nwg_EurMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EurMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for EUR.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EurMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Euro</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateLineItems" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateLineItems" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsByTypeOfInterestRateLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial instruments by type of interest rate [line items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GrossLoanCommitments" xlink:label="ifrs-full_GrossLoanCommitments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GrossLoanCommitments" xlink:to="ifrs-full_GrossLoanCommitments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GrossLoanCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gross loan commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GrossLoanCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loan commitments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BorrowingsByNameAxis" xlink:label="ifrs-full_BorrowingsByNameAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BorrowingsByNameAxis" xlink:to="ifrs-full_BorrowingsByNameAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BorrowingsByNameAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Borrowings by name [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BorrowingsByNameMember" xlink:label="ifrs-full_BorrowingsByNameMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BorrowingsByNameMember" xlink:to="ifrs-full_BorrowingsByNameMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BorrowingsByNameMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Borrowings by name [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs1.15Billion8NotesMember" xlink:label="nwg_NatwestGroupPlcUs1.15Billion8NotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs1.15Billion8NotesMember" xlink:to="nwg_NatwestGroupPlcUs1.15Billion8NotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs1.15Billion8NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for US$1.15 billion 8% notes.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs1.15Billion8NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">US$1.15 billion 8% notes</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember" xlink:label="nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember" xlink:to="nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for US$2.65 billion 8.625% notes.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs2.65Billion8.625NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">US$2.65 billion 8.625% notes</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SeriesUNonCumulativePreferenceSharesUS01Member" xlink:label="nwg_SeriesUNonCumulativePreferenceSharesUS01Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SeriesUNonCumulativePreferenceSharesUS01Member" xlink:to="nwg_SeriesUNonCumulativePreferenceSharesUS01Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SeriesUNonCumulativePreferenceSharesUS01Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the series U non-cumulative preference shares of US$0.01</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SeriesUNonCumulativePreferenceSharesUS01Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Series U, Non-cumulative preference shares of US$0.01</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BorrowingsInterestRate" xlink:label="ifrs-full_BorrowingsInterestRate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BorrowingsInterestRate" xlink:to="ifrs-full_BorrowingsInterestRate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BorrowingsInterestRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Borrowings, interest rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_BorrowingsInterestRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_BorrowingsInterestRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xlink:to="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of fair value measurement of assets [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RecurringFairValueMeasurementMember" xlink:label="ifrs-full_RecurringFairValueMeasurementMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RecurringFairValueMeasurementMember" xlink:to="ifrs-full_RecurringFairValueMeasurementMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RecurringFairValueMeasurementMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Recurring</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:label="ifrs-full_LevelsOfFairValueHierarchyAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:to="ifrs-full_LevelsOfFairValueHierarchyAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LevelsOfFairValueHierarchyAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Levels of fair value hierarchy [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AllLevelsOfFairValueHierarchyMember" xlink:label="ifrs-full_AllLevelsOfFairValueHierarchyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AllLevelsOfFairValueHierarchyMember" xlink:to="ifrs-full_AllLevelsOfFairValueHierarchyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AllLevelsOfFairValueHierarchyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">All levels of fair value hierarchy [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Level1OfFairValueHierarchyMember" xlink:label="ifrs-full_Level1OfFairValueHierarchyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Level1OfFairValueHierarchyMember" xlink:to="ifrs-full_Level1OfFairValueHierarchyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Level1OfFairValueHierarchyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Level 1</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Level2OfFairValueHierarchyMember" xlink:label="ifrs-full_Level2OfFairValueHierarchyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Level2OfFairValueHierarchyMember" xlink:to="ifrs-full_Level2OfFairValueHierarchyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Level2OfFairValueHierarchyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Level 2</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Level3OfFairValueHierarchyMember" xlink:label="ifrs-full_Level3OfFairValueHierarchyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Level3OfFairValueHierarchyMember" xlink:to="ifrs-full_Level3OfFairValueHierarchyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Level3OfFairValueHierarchyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Level 3</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingLoansMember" xlink:label="nwg_TradingLoansMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingLoansMember" xlink:to="nwg_TradingLoansMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for trading loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TradingLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingSecuritiesMember" xlink:label="ifrs-full_TradingSecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradingSecuritiesMember" xlink:to="ifrs-full_TradingSecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradingSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TradingSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading securities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherLoansMember" xlink:label="nwg_OtherLoansMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherLoansMember" xlink:to="nwg_OtherLoansMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for various type of loans given like corporate, social housing and student loans.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherEquitySecuritiesMember" xlink:label="ifrs-full_OtherEquitySecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherEquitySecuritiesMember" xlink:to="ifrs-full_OtherEquitySecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherEquitySecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xlink:to="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of fair value measurement of assets [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsAtFairValue" xlink:label="ifrs-full_FinancialAssetsAtFairValue" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsAtFairValue" xlink:to="ifrs-full_FinancialAssetsAtFairValue_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets, at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="ifrs-full_FinancialAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets - securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_FinancialAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_FinancialAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialAssetsAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" xlink:label="nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets" xlink:to="nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the percentage of fair value assets hierarchy to total financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage Of Fair Value Assets Hierarchy To Total Financial Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfFairValueAssetsHierarchyToTotalFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">As % of Total Fair Value Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xlink:to="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of fair value measurement of liabilities [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingDepositsMember" xlink:label="nwg_TradingDepositsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingDepositsMember" xlink:to="nwg_TradingDepositsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for trading deposits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading deposits [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TradingDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DebtSecuritiesInIssueTradingMember" xlink:label="nwg_DebtSecuritiesInIssueTradingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DebtSecuritiesInIssueTradingMember" xlink:to="nwg_DebtSecuritiesInIssueTradingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DebtSecuritiesInIssueTradingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for debt securities in issue, trading</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DebtSecuritiesInIssueTradingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities in issue, trading [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DebtSecuritiesInIssueTradingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities in issue, trading</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ShortPositionsTradingMember" xlink:label="nwg_ShortPositionsTradingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ShortPositionsTradingMember" xlink:to="nwg_ShortPositionsTradingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ShortPositionsTradingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for short positions, trading.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ShortPositionsTradingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Short positions, trading [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ShortPositionsTradingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Short positions, trading</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherDebtSecuritiesInIssueMember" xlink:label="nwg_OtherDebtSecuritiesInIssueMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherDebtSecuritiesInIssueMember" xlink:to="nwg_OtherDebtSecuritiesInIssueMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherDebtSecuritiesInIssueMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the financial liabilities of other debt securities in issue.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherDebtSecuritiesInIssueMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities - Debt securities in issue</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherDepositsMember" xlink:label="nwg_OtherDepositsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherDepositsMember" xlink:to="nwg_OtherDepositsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the amounts held on account by the entity representing a liability to the other depositor.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems" xlink:to="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of fair value measurement of liabilities [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilitiesAtFairValue" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValue" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilitiesAtFairValue" xlink:to="ifrs-full_FinancialLiabilitiesAtFairValue_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities, at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities at end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities at beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value, Financial liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" xlink:label="nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities" xlink:to="nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the percentage of fair value liabilities hierarchy to total financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage Of Fair Value Liabilities Hierarchy To Total Financial Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PercentageOfFairValueLiabilitiesHierarchyToTotalFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">As % of Total FV Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember" xlink:to="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial liabilities at fair value through profit or loss</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FundingValuationAdjustments" xlink:label="nwg_FundingValuationAdjustments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FundingValuationAdjustments" xlink:to="nwg_FundingValuationAdjustments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FundingValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of Funding valuation adjustments represents an estimate of the adjustment to fair value that a market participant would make to incorporate funding costs and benefits that arise in relation to uncollateralised derivative exposures</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FundingValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Funding Valuation Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FundingValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Funding - FVA</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CreditValuationAdjustments" xlink:label="nwg_CreditValuationAdjustments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CreditValuationAdjustments" xlink:to="nwg_CreditValuationAdjustments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CreditValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of Credit valuation adjustments represent an estimate of the adjustment to fair value that a market participant would make to incorporate the counterparty credit risk inherent in derivative exposures.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CreditValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit Valuation Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CreditValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit - CVA</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BidOfferAdjustments" xlink:label="nwg_BidOfferAdjustments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BidOfferAdjustments" xlink:to="nwg_BidOfferAdjustments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BidOfferAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of Bid offer represents the fair value positions are adjusted to bid (long positions) or offer (short positions) levels, by marking individual cash positions directly to bid or offer or by taking bid-offer reserves calculated on a portfolio basis for derivatives exposures.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BidOfferAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bid Offer Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BidOfferAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bid - Offer</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProductAndDealSpecificAdjustments" xlink:label="nwg_ProductAndDealSpecificAdjustments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProductAndDealSpecificAdjustments" xlink:to="nwg_ProductAndDealSpecificAdjustments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProductAndDealSpecificAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of product and deal specific adjustment in financial instruments valuation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProductAndDealSpecificAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Product and Deal Specific Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProductAndDealSpecificAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Product and deal specific</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialInstrumentsValuationAdjustments" xlink:label="nwg_FinancialInstrumentsValuationAdjustments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialInstrumentsValuationAdjustments" xlink:to="nwg_FinancialInstrumentsValuationAdjustments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialInstrumentsValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of financial instruments in the trading book, adjustments are made to mid-market valuations to cover bid-offer spread, liquidity and credit risk.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialInstrumentsValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Instruments Valuation Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_FinancialInstrumentsValuationAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial instruments valuation adjustments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProductAndDealSpecificAbstract" xlink:label="nwg_ProductAndDealSpecificAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProductAndDealSpecificAbstract" xlink:to="nwg_ProductAndDealSpecificAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProductAndDealSpecificAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProductAndDealSpecificAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Product and deal Specific [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProductAndDealSpecificAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Product and deal specific</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition" xlink:to="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The gains (losses) on financial assets and liabilities at fair value carried forward upon initial recognition.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains Losses On Financial Assets And Liabilities At Fair Value Carried Forward Upon Initial Recognition</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueCarriedForwardUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net (gains) carried forward</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition" xlink:to="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The gains (losses) on financial assets and liabilities at fair value deferred upon initial recognition.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains Losses On Financial Assets And Liabilities At Fair Value Deferred Upon Initial Recognition</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueDeferredUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net gains deferred</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:to="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The gains (losses) on financial assets and liabilities at fair value through profit or loss that were designated as such upon initial recognition.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains Losses On Financial Assets And Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net gains recognized in the income statement</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable" xlink:label="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable" xlink:to="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule disclosing information related to the sensitivity analysis of fair value measurement of assets and liabilities to changes in unobservable inputs.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Sensitivity Analysis of Fair Value Measurement To Changes In Unobservable Inputs, Assets and Liabilities [Table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsLoansMember" xlink:label="nwg_IfrsLoansMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsLoansMember" xlink:to="nwg_IfrsLoansMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The member stands for the loans which are categorised under trading assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsLoansMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DebtSecuritiesMember" xlink:label="ifrs-full_DebtSecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DebtSecuritiesMember" xlink:to="ifrs-full_DebtSecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DebtSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TradingEquitySecuritiesMember" xlink:label="ifrs-full_TradingEquitySecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TradingEquitySecuritiesMember" xlink:to="ifrs-full_TradingEquitySecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TradingEquitySecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsCreditDefaultSwapMember" xlink:label="nwg_IfrsCreditDefaultSwapMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsCreditDefaultSwapMember" xlink:to="nwg_IfrsCreditDefaultSwapMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsCreditDefaultSwapMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">A type of swap transaction used as a credit derivative in which one party makes periodic payments to the other and receives the promise of a pay-off if a third party defaults.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsCreditDefaultSwapMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit Default Swap</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestAndForeignExchangeContractsMember" xlink:label="nwg_InterestAndForeignExchangeContractsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InterestAndForeignExchangeContractsMember" xlink:to="nwg_InterestAndForeignExchangeContractsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterestAndForeignExchangeContractsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for interest and foreign exchange contracts.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterestAndForeignExchangeContractsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest and foreign exchange contracts</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsEquitySwapMember" xlink:label="nwg_IfrsEquitySwapMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsEquitySwapMember" xlink:to="nwg_IfrsEquitySwapMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsEquitySwapMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contracts in which the counterparties exchange a series of cash payments based on (a) an equity index and (b) a fixed or floating interest rate on a notional principal amount. Equity swap contracts typically are tied to a stock index, but sometimes they relate to a particular stock or a defined basket of stocks.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsEquitySwapMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity Swaps</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsEquitySwapMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:label="ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:to="ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Valuation techniques used in fair value measurement [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ValuationTechniquesMember" xlink:label="ifrs-full_ValuationTechniquesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ValuationTechniquesMember" xlink:to="ifrs-full_ValuationTechniquesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ValuationTechniquesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Valuation techniques [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PriceBasedMember" xlink:label="nwg_PriceBasedMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PriceBasedMember" xlink:to="nwg_PriceBasedMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PriceBasedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Price-based.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PriceBasedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Price-based</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MarketComparablesMember" xlink:label="nwg_MarketComparablesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MarketComparablesMember" xlink:to="nwg_MarketComparablesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MarketComparablesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for market comparables.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MarketComparablesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Market comparables</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetAssetValuationMember" xlink:label="nwg_NetAssetValuationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetAssetValuationMember" xlink:to="nwg_NetAssetValuationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetAssetValuationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for net asset valuation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetAssetValuationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net asset valuation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CreditDerivativePricingMember" xlink:label="nwg_CreditDerivativePricingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CreditDerivativePricingMember" xlink:to="nwg_CreditDerivativePricingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CreditDerivativePricingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for credit derivative pricing.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CreditDerivativePricingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit Derivative Pricing</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DiscountedCashFlowMember" xlink:label="ifrs-full_DiscountedCashFlowMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DiscountedCashFlowMember" xlink:to="ifrs-full_DiscountedCashFlowMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DiscountedCashFlowMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discounted cash flow</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OptionPricingModelMember" xlink:label="ifrs-full_OptionPricingModelMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OptionPricingModelMember" xlink:to="ifrs-full_OptionPricingModelMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OptionPricingModelMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Option pricing model</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnobservableInputsAxis" xlink:label="ifrs-full_UnobservableInputsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnobservableInputsAxis" xlink:to="ifrs-full_UnobservableInputsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnobservableInputsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unobservable inputs [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnobservableInputsMember" xlink:label="ifrs-full_UnobservableInputsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnobservableInputsMember" xlink:to="ifrs-full_UnobservableInputsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnobservableInputsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unobservable inputs [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PriceMeasurementInputMember" xlink:label="nwg_PriceMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PriceMeasurementInputMember" xlink:to="nwg_PriceMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PriceMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a price used as a  measurement input.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PriceMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Price</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DiscountMarginMember" xlink:label="nwg_DiscountMarginMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DiscountMarginMember" xlink:to="nwg_DiscountMarginMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DiscountMarginMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for dscount margin.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DiscountMarginMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discount margin</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CapitalisationRateMeasurementInputMember" xlink:label="ifrs-full_CapitalisationRateMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CapitalisationRateMeasurementInputMember" xlink:to="ifrs-full_CapitalisationRateMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CapitalisationRateMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fund NAV</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CorrelationMeasurementInputMember" xlink:label="nwg_CorrelationMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CorrelationMeasurementInputMember" xlink:to="nwg_CorrelationMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CorrelationMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for correlation used as a measurement input.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CorrelationMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Correlation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CreditSpreadMeasurementInputMember" xlink:label="ifrs-full_CreditSpreadMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CreditSpreadMeasurementInputMember" xlink:to="ifrs-full_CreditSpreadMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CreditSpreadMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit spreads</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_VolatilityMeasurementInputMember" xlink:label="nwg_VolatilityMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_VolatilityMeasurementInputMember" xlink:to="nwg_VolatilityMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_VolatilityMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for volatility used as a  measurement input.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_VolatilityMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Volatility</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xlink:label="ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xlink:to="ifrs-full_ConstantPrepaymentRateMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ConstantPrepaymentRateMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Constant Prepayment Rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MeanReversalMeasurementInputMember" xlink:label="nwg_MeanReversalMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MeanReversalMeasurementInputMember" xlink:to="nwg_MeanReversalMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MeanReversalMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the mean reversal used as a measurement input.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MeanReversalMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Mean Reversal</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UpfrontPointsMeasurementInputMember" xlink:label="nwg_UpfrontPointsMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UpfrontPointsMeasurementInputMember" xlink:to="nwg_UpfrontPointsMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UpfrontPointsMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for upfront payments used as a  measurement input.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UpfrontPointsMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Upfront points</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RecoveryRateMeasurementInputMember" xlink:label="nwg_RecoveryRateMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RecoveryRateMeasurementInputMember" xlink:to="nwg_RecoveryRateMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RecoveryRateMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for recovery rate used as a  measurement input.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RecoveryRateMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Recovery rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InflationVolatilityMeasurementInputMember" xlink:label="nwg_InflationVolatilityMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InflationVolatilityMeasurementInputMember" xlink:to="nwg_InflationVolatilityMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InflationVolatilityMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a inflation volatility used as a measurement input</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InflationVolatilityMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Inflation volatility</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InflationRateMeasurementInputMember" xlink:label="nwg_InflationRateMeasurementInputMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InflationRateMeasurementInputMember" xlink:to="nwg_InflationRateMeasurementInputMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InflationRateMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a inflation rate used as a measurement input.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InflationRateMeasurementInputMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Inflation rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems" xlink:label="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems" xlink:to="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Sensitivity Analysis Of Fair Value Measurement To Changes In Unobservable Inputs, Assets and Liabilities [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Sensitivity Analysis Of Fair Value Measurement To Changes In Unobservable Inputs, Assets and Liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" xlink:label="ifrs-full_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets" xlink:to="ifrs-full_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of reasonably possible increase in unobservable input, assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" xlink:label="ifrs-full_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets" xlink:to="ifrs-full_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of reasonably possible decrease in unobservable input, assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets" xlink:to="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in fair value measurement due to reasonably possible increase in unobservable input, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sensitivity favourable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputAssets" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputAssets" xlink:to="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in fair value measurement due to reasonably possible decrease in unobservable input, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sensitivity unfavourable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities" xlink:to="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in fair value measurement due to reasonably possible increase in unobservable input, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleIncreaseInUnobservableInputLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sensitivity unfavourable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities" xlink:to="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) in fair value measurement due to reasonably possible decrease in unobservable input, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_IncreaseDecreaseInFairValueMeasurementDueToReasonablyPossibleDecreaseInUnobservableInputLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sensitivity favourable</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" xlink:label="nwg_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" xlink:to="nwg_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of a reasonably possible increase in an unobservable input used in fair value measurement of assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of Reasonably Possible Increase In Unobservable Input, Assets and Liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" xlink:label="nwg_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" xlink:to="nwg_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage of a reasonably possible decrease in an unobservable input used in fair value measurement of assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of Reasonably Possible Decrease In Unobservable Input, Assets and Liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" xlink:label="nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities" xlink:to="nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The points of a reasonably possible increase in an unobservable input used in fair value measurement of assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Basis Points Of Reasonably Possible Increase In Unobservable Input Assets And Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BasisPointsOfReasonablyPossibleIncreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Basis points of Reasonably Possible Increase In Unobservable Input, Assets and Liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" xlink:label="nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities" xlink:to="nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The points of a reasonably possible decrease in an unobservable input used in fair value measurement of assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Basis Points Of Reasonably Possible Decrease In Unobservable Input Assets And Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_BasisPointsOfReasonablyPossibleDecreaseInUnobservableInputAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Basis Points of Reasonably Possible Decrease In Unobservable Input, Assets and Liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsDepositsMember" xlink:label="nwg_IfrsDepositsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsDepositsMember" xlink:to="nwg_IfrsDepositsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts held on account by the entity representing a liability to the depositor. Deposits may take various forms (for example, demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits) and may be categorized in multiple ways (such as, foreign and domestic, interest and noninterest bearing).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ShortPositionsMember" xlink:label="nwg_ShortPositionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ShortPositionsMember" xlink:to="nwg_ShortPositionsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ShortPositionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for short positions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ShortPositionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Short Positions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis" xlink:label="ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis" xlink:to="ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AttributionOfExpensesByNatureToTheirFunctionAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Attribution of expenses by nature to their function [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LineItemsByFunctionMember" xlink:label="ifrs-full_LineItemsByFunctionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LineItemsByFunctionMember" xlink:to="ifrs-full_LineItemsByFunctionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LineItemsByFunctionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Line items by function [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherOperatingIncomeAndInterestIncomeMember" xlink:label="nwg_OtherOperatingIncomeAndInterestIncomeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherOperatingIncomeAndInterestIncomeMember" xlink:to="nwg_OtherOperatingIncomeAndInterestIncomeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherOperatingIncomeAndInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for other operating income and interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherOperatingIncomeAndInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating income and interest income [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherOperatingIncomeAndInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other operating income and interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xlink:label="ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xlink:to="ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of changes in fair value measurement, assets [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Movement in level 3 assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xlink:to="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) recognised in profit or loss, fair value measurement, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts recorded in the income statement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xlink:label="ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xlink:to="ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) recognised in other comprehensive income, fair value measurement, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts recorded in the statement of comprehensive income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:label="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:to="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transfers into Level 3 of fair value hierarchy, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Level 3 transfers in</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:label="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:to="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transfers out of Level 3 of fair value hierarchy, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Level 3 transfers out</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchasesFairValueMeasurementAssets" xlink:label="ifrs-full_PurchasesFairValueMeasurementAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PurchasesFairValueMeasurementAssets" xlink:to="ifrs-full_PurchasesFairValueMeasurementAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PurchasesFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchases, fair value measurement, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PurchasesFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchases/Originations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SettlementsFairValueMeasurementAssets" xlink:label="ifrs-full_SettlementsFairValueMeasurementAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SettlementsFairValueMeasurementAssets" xlink:to="ifrs-full_SettlementsFairValueMeasurementAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SettlementsFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlements, fair value measurement, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_SettlementsFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlements/Other decreases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SalesFairValueMeasurementAssets" xlink:label="ifrs-full_SalesFairValueMeasurementAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SalesFairValueMeasurementAssets" xlink:to="ifrs-full_SalesFairValueMeasurementAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SalesFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sales, fair value measurement, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_SalesFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sales</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets" xlink:to="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The increase (decrease) in the fair value measurement of assets resulting from foreign exchange and other adjustments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign Exchange And Other Adjustments Fair Value Measurement Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign exchange and other adjustments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement" xlink:to="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) recognised in profit or loss attributable to change in unrealised gains or losses for assets held at end of period, fair value measurement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts recorded in the income statement in respect of balances held at year end - unrealised</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeFromTradingActivitiesMember" xlink:label="nwg_IncomeFromTradingActivitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncomeFromTradingActivitiesMember" xlink:to="nwg_IncomeFromTradingActivitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncomeFromTradingActivitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for income from trading activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncomeFromTradingActivitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from trading activities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncomeFromTradingActivitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from trading activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xlink:label="ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xlink:to="ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of changes in fair value measurement, liabilities [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Movement in level 3 liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xlink:to="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) recognised in profit or loss, fair value measurement, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts recorded in the income statement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:label="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:to="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transfers into Level 3 of fair value hierarchy, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Level 3 transfers in</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:label="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:to="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transfers out of Level 3 of fair value hierarchy, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Level 3 transfers out</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchasesFairValueMeasurementLiabilities" xlink:label="ifrs-full_PurchasesFairValueMeasurementLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PurchasesFairValueMeasurementLiabilities" xlink:to="ifrs-full_PurchasesFairValueMeasurementLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PurchasesFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchases, fair value measurement, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PurchasesFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchases/Originations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SettlementsFairValueMeasurementLiabilities" xlink:label="ifrs-full_SettlementsFairValueMeasurementLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SettlementsFairValueMeasurementLiabilities" xlink:to="ifrs-full_SettlementsFairValueMeasurementLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SettlementsFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlements, fair value measurement, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_SettlementsFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlements/Other decreases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SalesFairValueMeasurementLiabilities" xlink:label="ifrs-full_SalesFairValueMeasurementLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SalesFairValueMeasurementLiabilities" xlink:to="ifrs-full_SalesFairValueMeasurementLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SalesFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sales, fair value measurement, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_SalesFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sales</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities" xlink:to="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The increase (decrease) in the fair value measurement of liabilities resulting from foreign exchange and other adjustments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign Exchange And Other Adjustments Fair Value Measurement Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ForeignExchangeAndOtherAdjustmentsFairValueMeasurementLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign exchange and other adjustments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForLiabilitiesHeldAtEndOfPeriodFairValueMeasurement" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForLiabilitiesHeldAtEndOfPeriodFairValueMeasurement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForLiabilitiesHeldAtEndOfPeriodFairValueMeasurement" xlink:to="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForLiabilitiesHeldAtEndOfPeriodFairValueMeasurement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForLiabilitiesHeldAtEndOfPeriodFairValueMeasurement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains (losses) recognised in profit or loss attributable to change in unrealised gains or losses for liabilities held at end of period, fair value measurement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForLiabilitiesHeldAtEndOfPeriodFairValueMeasurement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts recorded in the income statement in respect of balances held at year end - unrealised</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities" xlink:label="nwg_NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities" xlink:to="nwg_NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net gain (loss) on trading assets and liabilities recorded in income from trading activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetGainLossOnTradingAssetsAndLiabilitiesRecordedInIncomeFromTradingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net gain (loss) on trading assets and liabilities recorded in income from trading activities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LeveragedFinanceLoan" xlink:label="nwg_LeveragedFinanceLoan" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LeveragedFinanceLoan" xlink:to="nwg_LeveragedFinanceLoan_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LeveragedFinanceLoan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of leveraged finance Loan purchased.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LeveragedFinanceLoan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Leveraged Finance Loan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LeveragedFinanceLoan_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Leveraged finance loan</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NotAtFairValueMember" xlink:label="nwg_NotAtFairValueMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NotAtFairValueMember" xlink:to="nwg_NotAtFairValueMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NotAtFairValueMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Measured using a method that is not at fair value.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NotAtFairValueMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Carrying value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AtFairValueMember" xlink:label="ifrs-full_AtFairValueMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AtFairValueMember" xlink:to="ifrs-full_AtFairValueMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AtFairValueMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At fair value</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SettlementBalancesAssetsMember" xlink:label="nwg_SettlementBalancesAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SettlementBalancesAssetsMember" xlink:to="nwg_SettlementBalancesAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SettlementBalancesAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for settlement balances of assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SettlementBalancesAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SettlementBalancesAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansAndAdvancesToBanksMember" xlink:label="nwg_LoansAndAdvancesToBanksMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansAndAdvancesToBanksMember" xlink:to="nwg_LoansAndAdvancesToBanksMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansAndAdvancesToBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for loans and advances to banks.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansAndAdvancesToBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The loans and advances to banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LoansAndAdvancesToBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans and advances to banks</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansAndAdvancesToCustomersMember" xlink:label="nwg_LoansAndAdvancesToCustomersMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansAndAdvancesToCustomersMember" xlink:to="nwg_LoansAndAdvancesToCustomersMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansAndAdvancesToCustomersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for loans and advances to customers.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansAndAdvancesToCustomersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The loans and advances to customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LoansAndAdvancesToCustomersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans and advances to customers</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialAssetsSecuritiesMember" xlink:label="nwg_OtherFinancialAssetsSecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialAssetsSecuritiesMember" xlink:to="nwg_OtherFinancialAssetsSecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialAssetsSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets - securities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialAssetsSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets - securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsAtAmortisedCostMember" xlink:label="ifrs-full_FinancialAssetsAtAmortisedCostMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsAtAmortisedCostMember" xlink:to="ifrs-full_FinancialAssetsAtAmortisedCostMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsAtAmortisedCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets at amortised cost, class [member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialAssetsAtAmortisedCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets at amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialLiabilitiesOtherMember" xlink:label="nwg_FinancialLiabilitiesOtherMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialLiabilitiesOtherMember" xlink:to="nwg_FinancialLiabilitiesOtherMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialLiabilitiesOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represetns the information pertaining to other financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialLiabilitiesOtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial liabilities - debt securities in issue</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CustomerAccountMember" xlink:label="nwg_CustomerAccountMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CustomerAccountMember" xlink:to="nwg_CustomerAccountMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CustomerAccountMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the member for the customer accounts.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CustomerAccountMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Customer accounts</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SettlementBalancesAndShortPositionsMember" xlink:label="nwg_SettlementBalancesAndShortPositionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SettlementBalancesAndShortPositionsMember" xlink:to="nwg_SettlementBalancesAndShortPositionsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SettlementBalancesAndShortPositionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for settlement balances and short positions.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SettlementBalancesAndShortPositionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement balances and short positions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LeaseLiabilitiesMember" xlink:label="ifrs-full_LeaseLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LeaseLiabilitiesMember" xlink:to="ifrs-full_LeaseLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LeaseLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lease liabilities.</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NotLaterThanThreeMonthsMember" xlink:label="ifrs-full_NotLaterThanThreeMonthsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NotLaterThanThreeMonthsMember" xlink:to="ifrs-full_NotLaterThanThreeMonthsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NotLaterThanThreeMonthsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">0-3 months</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:label="ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:to="ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">3-12 months</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:label="ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:to="ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">More than 1 year but less than 3 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:label="ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:to="ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">More than 3 years but less than 5 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:label="ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:to="ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">5-10 years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember" xlink:label="nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember" xlink:to="nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a time band of later than ten years and not later than twenty years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LaterThanTenYearsAndNotLaterThanTwentyYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">10-20 years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MaturingFinancialAssetsMember" xlink:label="nwg_MaturingFinancialAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MaturingFinancialAssetsMember" xlink:to="nwg_MaturingFinancialAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MaturingFinancialAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for total maturing financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MaturingFinancialAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total maturing assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialAssetsHeldForHedgingMember" xlink:label="nwg_DerivativeFinancialAssetsHeldForHedgingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativeFinancialAssetsHeldForHedgingMember" xlink:to="nwg_DerivativeFinancialAssetsHeldForHedgingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativeFinancialAssetsHeldForHedgingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for derivative financial assets held for hedging.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativeFinancialAssetsHeldForHedgingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative held for hedging</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinanceLeaseMember" xlink:label="nwg_FinanceLeaseMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinanceLeaseMember" xlink:to="nwg_FinanceLeaseMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinanceLeaseMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The member stands for finance lease.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinanceLeaseMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Finance lease</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MaturingFinancialLiabilitiesMember" xlink:label="nwg_MaturingFinancialLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MaturingFinancialLiabilitiesMember" xlink:to="nwg_MaturingFinancialLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MaturingFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for total maturing financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MaturingFinancialLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total maturing liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialLiabilitiesHeldForHedgingMember" xlink:label="nwg_DerivativeFinancialLiabilitiesHeldForHedgingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativeFinancialLiabilitiesHeldForHedgingMember" xlink:to="nwg_DerivativeFinancialLiabilitiesHeldForHedgingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativeFinancialLiabilitiesHeldForHedgingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for derivative financial liabilities held for hedging.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativeFinancialLiabilitiesHeldForHedgingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives held for hedging</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialGuaranteesAndCommitmentsMember" xlink:label="nwg_FinancialGuaranteesAndCommitmentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialGuaranteesAndCommitmentsMember" xlink:to="nwg_FinancialGuaranteesAndCommitmentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialGuaranteesAndCommitmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the financial guarantees and commitments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialGuaranteesAndCommitmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Guarantees and Commitments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialGuaranteeContractsMember" xlink:label="ifrs-full_FinancialGuaranteeContractsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialGuaranteeContractsMember" xlink:to="ifrs-full_FinancialGuaranteeContractsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialGuaranteeContractsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Guarantees</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialCommitmentsMember" xlink:label="nwg_FinancialCommitmentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialCommitmentsMember" xlink:to="nwg_FinancialCommitmentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialCommitmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the financial commitments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialCommitmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Commitments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ContractualMaturityPeriodForUndiscountedCashFlows" xlink:label="nwg_ContractualMaturityPeriodForUndiscountedCashFlows" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ContractualMaturityPeriodForUndiscountedCashFlows" xlink:to="nwg_ContractualMaturityPeriodForUndiscountedCashFlows_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ContractualMaturityPeriodForUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the contractual maturity period for the entity to disclose undiscounted cash flows payable, including future payments of interest.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ContractualMaturityPeriodForUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contractual Maturity Period For Undiscounted Cash Flows</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ContractualMaturityPeriodForUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contractual maturity period for undiscounted cash flows</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity" xlink:label="nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity" xlink:to="nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the threshold period, in which principal amounts of financial liabilities repayable or where the counterparty has no right to repayment of the principal are excluded from contractual maturity for cash outflows.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Period Principal Amounts Of Financial Liabilities Repayable Excluded From Contractual Maturity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PeriodPrincipalAmountsOfFinancialLiabilitiesRepayableExcludedFromContractualMaturity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Threshold period for principal amounts of financial liabilities to be excluded from contractual maturity for cash outflows</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity" xlink:label="nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity" xlink:to="nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the threshold period, in which interest payments of financial liabilities are excluded from contractual maturity for undiscounted cash flows.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Period Interest Payments Of Financial Liabilities Excluded From Contractual Maturity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PeriodInterestPaymentsOfFinancialLiabilitiesExcludedFromContractualMaturity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Threshold period for interest payments of financial liabilities to be excluded from contractual maturity for cash outflows</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialAssetsUndiscountedCashFlows" xlink:label="nwg_FinancialAssetsUndiscountedCashFlows" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialAssetsUndiscountedCashFlows" xlink:to="nwg_FinancialAssetsUndiscountedCashFlows_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialAssetsUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of contractual undiscounted cash flows in relation to financial assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialAssetsUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Assets, Undiscounted Cash Flows</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FinancialAssetsUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undiscounted cash flows, assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows" xlink:label="ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows" xlink:to="ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-derivative financial liabilities, undiscounted cash flows</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NonderivativeFinancialLiabilitiesUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undiscounted cash flows, non-derivative financial liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows" xlink:to="ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative financial liabilities, undiscounted cash flows</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DerivativeFinancialLiabilitiesUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undiscounted cash flows, derivative financial liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialLiabilitiesUndiscountedCashFlows" xlink:label="nwg_FinancialLiabilitiesUndiscountedCashFlows" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialLiabilitiesUndiscountedCashFlows" xlink:to="nwg_FinancialLiabilitiesUndiscountedCashFlows_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialLiabilitiesUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of contractual undiscounted cash flows in relation to derivative and non-derivative financial liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialLiabilitiesUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial Liabilities Undiscounted Cash Flows</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_FinancialLiabilitiesUndiscountedCashFlows_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undiscounted cash flows, liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfTradingAssetsAndLiabilitiesTable" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfTradingAssetsAndLiabilitiesTable" xlink:to="nwg_DisclosureOfTradingAssetsAndLiabilitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule disclosing information related to trading assets and liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Trading Assets and Liabilities [Table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CountriesOtherThanUsAndUkMember" xlink:label="nwg_CountriesOtherThanUsAndUkMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CountriesOtherThanUsAndUkMember" xlink:to="nwg_CountriesOtherThanUsAndUkMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CountriesOtherThanUsAndUkMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Information related to countries other than US and UK.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CountriesOtherThanUsAndUkMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Countries other than the US and the UK</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CountriesOtherThanUsAndUkMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems" xlink:to="nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of Trading Assets and Liabilities [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfTradingAssetsAndLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets and liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansAbstract" xlink:label="nwg_LoansAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansAbstract" xlink:to="nwg_LoansAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LoansAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ReverseRepurchaseAgreements" xlink:label="nwg_ReverseRepurchaseAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ReverseRepurchaseAgreements" xlink:to="nwg_ReverseRepurchaseAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ReverseRepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of instruments purchased for resale in reverse repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ReverseRepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reverse Repurchase Agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ReverseRepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reverse repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CollateralOnSecuritiesBorrowed" xlink:label="nwg_CollateralOnSecuritiesBorrowed" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CollateralOnSecuritiesBorrowed" xlink:to="nwg_CollateralOnSecuritiesBorrowed_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CollateralOnSecuritiesBorrowed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of collateral on securities borrowed.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CollateralOnSecuritiesBorrowed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Collateral on Securities Borrowed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CollateralOnSecuritiesBorrowed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Collateral given</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherTradingLoans" xlink:label="nwg_OtherTradingLoans" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherTradingLoans" xlink:to="nwg_OtherTradingLoans_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherTradingLoans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other trading loans held by the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherTradingLoans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Trading Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherTradingLoans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other loans</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingLoans" xlink:label="nwg_TradingLoans" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingLoans" xlink:to="nwg_TradingLoans_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingLoans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of trading loans held by the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingLoans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_TradingLoans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total loans</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SecuritiesAbstract" xlink:label="nwg_SecuritiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SecuritiesAbstract" xlink:to="nwg_SecuritiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SecuritiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SecuritiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SecuritiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GovernmentDebtInstrumentsHeld" xlink:label="ifrs-full_GovernmentDebtInstrumentsHeld" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GovernmentDebtInstrumentsHeld" xlink:to="ifrs-full_GovernmentDebtInstrumentsHeld_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GovernmentDebtInstrumentsHeld_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Government debt instruments held</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GovernmentDebtInstrumentsHeld_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Central and local government securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherDebtInstrumentsHeld" xlink:label="ifrs-full_OtherDebtInstrumentsHeld" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherDebtInstrumentsHeld" xlink:to="ifrs-full_OtherDebtInstrumentsHeld_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherDebtInstrumentsHeld_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other debt instruments held</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_OtherDebtInstrumentsHeld_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial institutions and corporate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DebtInstrumentsHeld" xlink:label="ifrs-full_DebtInstrumentsHeld" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DebtInstrumentsHeld" xlink:to="ifrs-full_DebtInstrumentsHeld_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DebtInstrumentsHeld_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt instruments held</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DebtInstrumentsHeld_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total securities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Ifrs_depositsAbstract" xlink:label="nwg_Ifrs_depositsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Ifrs_depositsAbstract" xlink:to="nwg_Ifrs_depositsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Ifrs_depositsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Ifrs_depositsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs_Deposits [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_Ifrs_depositsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RepurchaseAgreements" xlink:label="nwg_RepurchaseAgreements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RepurchaseAgreements" xlink:to="nwg_RepurchaseAgreements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of instruments sold with the intent to reacquire in repurchase agreements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Repurchase Agreements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RepurchaseAgreements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Repos</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CollateralOnSecuritiesLent" xlink:label="nwg_CollateralOnSecuritiesLent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CollateralOnSecuritiesLent" xlink:to="nwg_CollateralOnSecuritiesLent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CollateralOnSecuritiesLent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of collateral on securities lent.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CollateralOnSecuritiesLent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Collateral on Securities Lent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CollateralOnSecuritiesLent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Collateral received</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsOther" xlink:label="nwg_DepositsOther" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepositsOther" xlink:to="nwg_DepositsOther_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepositsOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of deposit liabilities from others held by the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepositsOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deposits, Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DepositsOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsTradingLiabilities" xlink:label="nwg_DepositsTradingLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepositsTradingLiabilities" xlink:to="nwg_DepositsTradingLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepositsTradingLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of trading deposit liabilities held by the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepositsTradingLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deposits, trading liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_DepositsTradingLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DebtSecurities" xlink:label="ifrs-full_DebtSecurities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DebtSecurities" xlink:to="ifrs-full_DebtSecurities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DebtSecurities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt instruments issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DebtSecurities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities in issue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DebtSecurities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities in issue</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialLiabilitiesShortPosition" xlink:label="nwg_DerivativeFinancialLiabilitiesShortPosition" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativeFinancialLiabilitiesShortPosition" xlink:to="nwg_DerivativeFinancialLiabilitiesShortPosition_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativeFinancialLiabilitiesShortPosition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of financial liabilities classified as derivative instruments in a short position.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativeFinancialLiabilitiesShortPosition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative Financial Liabilities Short Position</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DerivativeFinancialLiabilitiesShortPosition_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Short positions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsTable" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsTable" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about hedging instruments [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TypesOfRisksAxis" xlink:label="ifrs-full_TypesOfRisksAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TypesOfRisksAxis" xlink:to="ifrs-full_TypesOfRisksAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TypesOfRisksAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Types of risks [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TypesOfRisksMember" xlink:label="ifrs-full_TypesOfRisksMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TypesOfRisksMember" xlink:to="ifrs-full_TypesOfRisksMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TypesOfRisksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Risks [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrencyRiskMember" xlink:label="ifrs-full_CurrencyRiskMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrencyRiskMember" xlink:to="ifrs-full_CurrencyRiskMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrencyRiskMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Exchange rate contracts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestRateRiskMember" xlink:label="ifrs-full_InterestRateRiskMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestRateRiskMember" xlink:to="ifrs-full_InterestRateRiskMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestRateRiskMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest rate risk</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CreditRiskMember" xlink:label="ifrs-full_CreditRiskMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CreditRiskMember" xlink:to="ifrs-full_CreditRiskMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CreditRiskMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Credit derivatives</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EquityAndCommodityPriceRiskMember" xlink:label="nwg_EquityAndCommodityPriceRiskMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EquityAndCommodityPriceRiskMember" xlink:to="nwg_EquityAndCommodityPriceRiskMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EquityAndCommodityPriceRiskMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a component of other price risk that represents the type of risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in Equity and commodity prices.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EquityAndCommodityPriceRiskMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Equity and commodity contracts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TypesOfHedgesAxis" xlink:label="ifrs-full_TypesOfHedgesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TypesOfHedgesAxis" xlink:to="ifrs-full_TypesOfHedgesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TypesOfHedgesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Types of hedges [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_TypesOfHedgesMember" xlink:label="ifrs-full_TypesOfHedgesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_TypesOfHedgesMember" xlink:to="ifrs-full_TypesOfHedgesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_TypesOfHedgesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedges [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FairValueHedgesMember" xlink:label="ifrs-full_FairValueHedgesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FairValueHedgesMember" xlink:to="ifrs-full_FairValueHedgesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FairValueHedgesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value hedging</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowHedgesMember" xlink:label="ifrs-full_CashFlowHedgesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashFlowHedgesMember" xlink:to="ifrs-full_CashFlowHedgesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowHedgesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flow hedging</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:label="ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:to="ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net investment hedging</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativesBeforeIfrsNettingMember" xlink:label="nwg_DerivativesBeforeIfrsNettingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativesBeforeIfrsNettingMember" xlink:to="nwg_DerivativesBeforeIfrsNettingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativesBeforeIfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">It represents the Derivatives before Ifrs netting.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativesBeforeIfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives before IFRS netting</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DerivativesBeforeIfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives held for hedging before IFRS netting</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsNettingMember" xlink:label="nwg_IfrsNettingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsNettingMember" xlink:to="nwg_IfrsNettingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS Netting [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS netting</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS netting/Clearing house settlements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativesAfterIfrsNettingMember" xlink:label="nwg_DerivativesAfterIfrsNettingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativesAfterIfrsNettingMember" xlink:to="nwg_DerivativesAfterIfrsNettingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativesAfterIfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Derivatives after IFRS netting.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativesAfterIfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives after IFRS netting [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DerivativesAfterIfrsNettingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives after IFRS netting</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_HedgingInstrumentsAxis" xlink:label="ifrs-full_HedgingInstrumentsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_HedgingInstrumentsAxis" xlink:to="ifrs-full_HedgingInstrumentsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_HedgingInstrumentsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedging instruments [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_HedgingInstrumentsMember" xlink:label="ifrs-full_HedgingInstrumentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_HedgingInstrumentsMember" xlink:to="ifrs-full_HedgingInstrumentsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_HedgingInstrumentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedging instruments [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:label="ifrs-full_DisclosureOfFinancialAssetsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:to="ifrs-full_DisclosureOfFinancialAssetsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial assets [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFinancialAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of the hedging derivative</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfFinancialAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Detailed Information About Hedging Instruments LineItems</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:to="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (loss) on change in fair value of hedged item used as basis for recognising hedge ineffectiveness</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">(Losses)/gains on hedged items attributable to the hedged risk</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in fair value used for hedge ineffectiveness</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SterlingOverNightIndexAverageMember" xlink:label="nwg_SterlingOverNightIndexAverageMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SterlingOverNightIndexAverageMember" xlink:to="nwg_SterlingOverNightIndexAverageMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SterlingOverNightIndexAverageMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Sterling Over Night Index Average (SONIA).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SterlingOverNightIndexAverageMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">SONIA</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RiskFreeInterestRateMember" xlink:label="nwg_RiskFreeInterestRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RiskFreeInterestRateMember" xlink:to="nwg_RiskFreeInterestRateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RiskFreeInterestRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for risk free interest rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RiskFreeInterestRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Risk free rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SecuredOvernightFinancingRateMember" xlink:label="nwg_SecuredOvernightFinancingRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SecuredOvernightFinancingRateMember" xlink:to="nwg_SecuredOvernightFinancingRateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SecuredOvernightFinancingRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for secured overnight financing rate (SOFR).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SecuredOvernightFinancingRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">SOFR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherCurrencyMember" xlink:label="nwg_OtherCurrencyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherCurrencyMember" xlink:to="nwg_OtherCurrencyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherCurrencyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents all other currency not separately listed.  Excludes UK, pounds, US dollars and Euros.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherCurrencyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other currency</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherCurrencyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsCrossCurrencyInterestRateContractMember" xlink:label="nwg_IfrsCrossCurrencyInterestRateContractMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsCrossCurrencyInterestRateContractMember" xlink:to="nwg_IfrsCrossCurrencyInterestRateContractMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsCrossCurrencyInterestRateContractMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative instrument whose primary underlying risk is tied to interest rates and foreign exchange rates.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsCrossCurrencyInterestRateContractMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cross Currency</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about hedging instruments [line items]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NotionalAmountConvertibleToRepricing" xlink:label="nwg_NotionalAmountConvertibleToRepricing" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NotionalAmountConvertibleToRepricing" xlink:to="nwg_NotionalAmountConvertibleToRepricing_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NotionalAmountConvertibleToRepricing_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The nominal or face amount of a financial instrument, convertible to repricing under interest rate reforms.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NotionalAmountConvertibleToRepricing_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notional Amount, Convertible To Repricing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NotionalAmountConvertibleToRepricing_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notional amount, convertible to repricing</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about hedged items [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ForeignExchangeHedgesMember" xlink:label="nwg_ForeignExchangeHedgesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ForeignExchangeHedgesMember" xlink:to="nwg_ForeignExchangeHedgesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ForeignExchangeHedgesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for foreign exchange member.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ForeignExchangeHedgesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign exchange</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LaterThanTwentyYearsMember" xlink:label="nwg_LaterThanTwentyYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LaterThanTwentyYearsMember" xlink:to="nwg_LaterThanTwentyYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LaterThanTwentyYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a time band of later than twenty years.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LaterThanTwentyYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">20+ years</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AverageFixedInterestRateMember" xlink:label="nwg_AverageFixedInterestRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AverageFixedInterestRateMember" xlink:to="nwg_AverageFixedInterestRateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AverageFixedInterestRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for average fixed interest rate member.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AverageFixedInterestRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average fixed interest rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ExchangeRateRiskMember" xlink:label="nwg_ExchangeRateRiskMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ExchangeRateRiskMember" xlink:to="nwg_ExchangeRateRiskMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ExchangeRateRiskMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for exchange rate risk.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ExchangeRateRiskMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Exchange rate risk</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansAndAdvancesToBanksAndCustomersMember" xlink:label="nwg_LoansAndAdvancesToBanksAndCustomersMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansAndAdvancesToBanksAndCustomersMember" xlink:to="nwg_LoansAndAdvancesToBanksAndCustomersMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansAndAdvancesToBanksAndCustomersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for loans and advances to banks and customers.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansAndAdvancesToBanksAndCustomersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to banks and customers</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialAssetsOtherSecuritiesMember" xlink:label="nwg_FinancialAssetsOtherSecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialAssetsOtherSecuritiesMember" xlink:to="nwg_FinancialAssetsOtherSecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialAssetsOtherSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the other financial assets securities category.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialAssetsOtherSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets - Securities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DepositsByBankAndCustomerMember" xlink:label="nwg_DepositsByBankAndCustomerMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DepositsByBankAndCustomerMember" xlink:to="nwg_DepositsByBankAndCustomerMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DepositsByBankAndCustomerMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for deposits by banks and customers.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DepositsByBankAndCustomerMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bank and customer deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_HedgingAssetsMember" xlink:label="nwg_HedgingAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_HedgingAssetsMember" xlink:to="nwg_HedgingAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_HedgingAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedging assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_HedgingAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedging assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_HedgingLiabilitiesMember" xlink:label="nwg_HedgingLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_HedgingLiabilitiesMember" xlink:to="nwg_HedgingLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_HedgingLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedging liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_HedgingLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedging liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DebtSecuritiesInIssueMember" xlink:label="nwg_DebtSecuritiesInIssueMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DebtSecuritiesInIssueMember" xlink:to="nwg_DebtSecuritiesInIssueMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DebtSecuritiesInIssueMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the financial liabilities of debt securities in issue.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DebtSecuritiesInIssueMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities in issue</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about hedged items [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivatives</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about hedged items</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AverageFixedInterestRateOfHedgingInstrument" xlink:label="nwg_AverageFixedInterestRateOfHedgingInstrument" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AverageFixedInterestRateOfHedgingInstrument" xlink:to="nwg_AverageFixedInterestRateOfHedgingInstrument_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AverageFixedInterestRateOfHedgingInstrument_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average fixed interest rate of hedging instrument</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AverageFixedInterestRateOfHedgingInstrument_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average fixed interest rate of hedging instrument</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AverageFixedInterestRateOfHedgingInstrument_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average fixed interest rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AverageForeignExchangeRate" xlink:label="ifrs-full_AverageForeignExchangeRate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AverageForeignExchangeRate" xlink:to="ifrs-full_AverageForeignExchangeRate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AverageForeignExchangeRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Average foreign exchange rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_HedgedItemAssets" xlink:label="ifrs-full_HedgedItemAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_HedgedItemAssets" xlink:to="ifrs-full_HedgedItemAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_HedgedItemAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedged item, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_HedgedItemAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Carrying value of hedged assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_HedgedItemLiabilities" xlink:label="ifrs-full_HedgedItemLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_HedgedItemLiabilities" xlink:to="ifrs-full_HedgedItemLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_HedgedItemLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedged item, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_HedgedItemLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Carrying value of hedged liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:to="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impact on hedged items included in carrying value, assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:to="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impact on hedged items included in carrying value, liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" xlink:label="nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities" xlink:to="nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The gain (loss) on the change in fair value of the hedged item assets and liabilities used as a basis for recognising hedge ineffectiveness. Hedge ineffectiveness is the extent to which the changes in the fair value or the cash flows of the hedging instrument are greater or less than those on the hedged item.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain Loss On Change In Fair Value Of Hedged Item Used As Basis For Recognising Hedge Ineffectiveness Assets and Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectivenessAssetsAndLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in fair value used for hedge ineffectiveness</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" xlink:to="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accumulated fair value hedge adjustment remaining in statement of financial position for hedged item that ceased to be adjusted for hedging gains and losses, assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impact on hedged items ceased to be adjusted for hedging gains or losses, assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" xlink:to="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accumulated fair value hedge adjustment remaining in statement of financial position for hedged item that ceased to be adjusted for hedging gains and losses, liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impact on hedged items ceased to be adjusted for hedging gains or losses, liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EuroInterbankOfferedRateEuriborMember" xlink:label="nwg_EuroInterbankOfferedRateEuriborMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EuroInterbankOfferedRateEuriborMember" xlink:to="nwg_EuroInterbankOfferedRateEuriborMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EuroInterbankOfferedRateEuriborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Euro Interbank Offered Rate (Euribor).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EuroInterbankOfferedRateEuriborMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">EURIBOR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BankOfEnglandBoeBaseRateMember" xlink:label="nwg_BankOfEnglandBoeBaseRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BankOfEnglandBoeBaseRateMember" xlink:to="nwg_BankOfEnglandBoeBaseRateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BankOfEnglandBoeBaseRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Bank of England (BoE) Base Rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BankOfEnglandBoeBaseRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">BOE Base rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EuropeanCentralBankEcbRefinanceRefiRateMember" xlink:label="nwg_EuropeanCentralBankEcbRefinanceRefiRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EuropeanCentralBankEcbRefinanceRefiRateMember" xlink:to="nwg_EuropeanCentralBankEcbRefinanceRefiRateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EuropeanCentralBankEcbRefinanceRefiRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for European Central Bank (ECB) Refinance (REFI) Rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EuropeanCentralBankEcbRefinanceRefiRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ECB REFI rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NotionalAmountOfRiskExposure" xlink:label="nwg_NotionalAmountOfRiskExposure" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NotionalAmountOfRiskExposure" xlink:to="nwg_NotionalAmountOfRiskExposure_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NotionalAmountOfRiskExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The nominal or face amount of the risk exposure that will be affected by the interest rate benchmark reform.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NotionalAmountOfRiskExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notional Amount Of Risk Exposure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NotionalAmountOfRiskExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notional amount</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FairValueHedgedAdjustmentsOfRiskExposure" xlink:label="nwg_FairValueHedgedAdjustmentsOfRiskExposure" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FairValueHedgedAdjustmentsOfRiskExposure" xlink:to="nwg_FairValueHedgedAdjustmentsOfRiskExposure_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FairValueHedgedAdjustmentsOfRiskExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fair value hedged adjustments of the risk exposure that will be affected by the interest rate benchmark reform.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FairValueHedgedAdjustmentsOfRiskExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair Value Hedged Adjustments Of Risk Exposure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FairValueHedgedAdjustmentsOfRiskExposure_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedged adjustment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsIncomeStatementLocationAxis" xlink:label="nwg_IfrsIncomeStatementLocationAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsIncomeStatementLocationAxis" xlink:to="nwg_IfrsIncomeStatementLocationAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsIncomeStatementLocationAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS Income Statement Location</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsIncomeStatementLocationAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS Income Statement Location [Axis]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncomeStatementDomain" xlink:label="nwg_IncomeStatementDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncomeStatementDomain" xlink:to="nwg_IncomeStatementDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncomeStatementDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income Statement Location</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncomeStatementDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income Statement [Domain]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetInterestIncomeMember" xlink:label="nwg_NetInterestIncomeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetInterestIncomeMember" xlink:to="nwg_NetInterestIncomeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NetInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net interest income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonInterestIncomeMember" xlink:label="nwg_NonInterestIncomeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonInterestIncomeMember" xlink:to="nwg_NonInterestIncomeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonInterestIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non interest income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OperatingExpensesMember" xlink:label="nwg_OperatingExpensesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OperatingExpensesMember" xlink:to="nwg_OperatingExpensesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OperatingExpensesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OperatingExpensesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OperatingExpensesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReserveOfCashFlowHedgesContinuingHedges" xlink:label="ifrs-full_ReserveOfCashFlowHedgesContinuingHedges" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReserveOfCashFlowHedgesContinuingHedges" xlink:to="ifrs-full_ReserveOfCashFlowHedgesContinuingHedges_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReserveOfCashFlowHedgesContinuingHedges_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reserve of cash flow hedges, continuing hedges</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReserveOfCashFlowHedgesContinuingHedges_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Continuing cash flow hedge reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReserveOfExchangeDifferencesOnTranslationContinuingHedges" xlink:label="ifrs-full_ReserveOfExchangeDifferencesOnTranslationContinuingHedges" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReserveOfExchangeDifferencesOnTranslationContinuingHedges" xlink:to="ifrs-full_ReserveOfExchangeDifferencesOnTranslationContinuingHedges_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReserveOfExchangeDifferencesOnTranslationContinuingHedges_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reserve of exchange differences on translation, continuing hedges</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReserveOfExchangeDifferencesOnTranslationContinuingHedges_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Continuing foreign exchange hedge reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" xlink:label="ifrs-full_ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" xlink:to="ifrs-full_ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reserve of cash flow hedges, hedging relationships for which hedge accounting is no longer applied</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReserveOfCashFlowHedgesHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">De-designated cash flow hedge reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" xlink:label="ifrs-full_ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied" xlink:to="ifrs-full_ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reserve of exchange differences on translation, hedging relationships for which hedge accounting is no longer applied</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReserveOfExchangeDifferencesOnTranslationHedgingRelationshipsForWhichHedgeAccountingIsNoLongerApplied_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">De-designated foreign exchange hedge reserve</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" xlink:label="nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity" xlink:to="nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The increase (decrease) in equity resulting from recognition of reserves for cash flow hedges.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) Through Recognition Of Reserve Of Cash Flow Hedges, Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseThroughRecognitionOfReserveOfCashFlowHedgesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flow hedge reserve, amount recognised in equity</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" xlink:label="nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity" xlink:to="nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The increase (decrease) in equity resulting from recognition of reserves for exchange differences on translation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) Through Reserve Of Exchange Differences On Translation Hedges, Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseThroughReserveOfExchangeDifferencesOnTranslationHedgesEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreign exchange hedge reserve, amount recognised in equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" xlink:label="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax" xlink:to="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reclassification adjustments on cash flow hedges, net of tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount transferred from equity to earnings, cash flow hedge reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax" xlink:label="ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reclassification adjustments on hedges of net investments in foreign operations, net of tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount transferred from equity to earnings, foreign exchange hedge reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:to="ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (loss) on change in fair value of hedging instrument used as basis for recognising hedge ineffectiveness</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gains/(losses) on the hedging instruments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:label="ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:to="ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gain (loss) on hedge ineffectiveness recognised in profit or loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Hedging ineffectiveness</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossTable" xlink:label="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossTable" xlink:to="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of impairment loss and reversal of impairment loss [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_StagesOfImpairmentAxis" xlink:label="nwg_StagesOfImpairmentAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_StagesOfImpairmentAxis" xlink:to="nwg_StagesOfImpairmentAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_StagesOfImpairmentAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_StagesOfImpairmentAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Stages of Impairment [Axis]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_StagesOfImpairmentDomain" xlink:label="nwg_StagesOfImpairmentDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_StagesOfImpairmentDomain" xlink:to="nwg_StagesOfImpairmentDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_StagesOfImpairmentDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for impairment stages of assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_StagesOfImpairmentDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Stages of Impairment [Domain]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_StageOneMember" xlink:label="nwg_StageOneMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_StageOneMember" xlink:to="nwg_StageOneMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_StageOneMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for stage one of impairment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_StageOneMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Stage 1</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_StageTwoMember" xlink:label="nwg_StageTwoMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_StageTwoMember" xlink:to="nwg_StageTwoMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_StageTwoMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for stage two of impairment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_StageTwoMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Stage 2</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_StageThreeMember" xlink:label="nwg_StageThreeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_StageThreeMember" xlink:to="nwg_StageThreeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_StageThreeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for stage three of impairment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_StageThreeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Stage 3</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansAndAdvancesMember" xlink:label="nwg_LoansAndAdvancesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansAndAdvancesMember" xlink:to="nwg_LoansAndAdvancesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansAndAdvancesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for loans and advances.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansAndAdvancesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans and advances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashAtCentralBanksMember" xlink:label="nwg_CashAtCentralBanksMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashAtCentralBanksMember" xlink:to="nwg_CashAtCentralBanksMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashAtCentralBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for cash at central banks.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashAtCentralBanksMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash at central banks</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContingentLiabilitiesMember" xlink:label="ifrs-full_ContingentLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ContingentLiabilitiesMember" xlink:to="ifrs-full_ContingentLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContingentLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contingent liabilities [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentOfFinancialAssetsAxis" xlink:label="ifrs-full_ImpairmentOfFinancialAssetsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ImpairmentOfFinancialAssetsAxis" xlink:to="ifrs-full_ImpairmentOfFinancialAssetsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ImpairmentOfFinancialAssetsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment of financial assets [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForImpairmentOfFinancialAssetsMember" xlink:label="ifrs-full_EntitysTotalForImpairmentOfFinancialAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForImpairmentOfFinancialAssetsMember" xlink:to="ifrs-full_EntitysTotalForImpairmentOfFinancialAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForImpairmentOfFinancialAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity's total for impairment of financial assets [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsImpairedMember" xlink:label="ifrs-full_FinancialAssetsImpairedMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsImpairedMember" xlink:to="ifrs-full_FinancialAssetsImpairedMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsImpairedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets impaired [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember" xlink:label="ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember" xlink:to="ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets individually assessed for credit losses [member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Individual</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember" xlink:label="ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember" xlink:to="ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets collectively assessed for credit losses [member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Collective</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossLineItems" xlink:label="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossLineItems" xlink:to="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of impairment loss and reversal of impairment loss [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loan impairment provisions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:label="ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets" xlink:to="ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected Credit Loss, Loan Impairment Provision</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ECL provisions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ExpectedCreditLossProvisionCoverage" xlink:label="nwg_ExpectedCreditLossProvisionCoverage" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ExpectedCreditLossProvisionCoverage" xlink:to="nwg_ExpectedCreditLossProvisionCoverage_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ExpectedCreditLossProvisionCoverage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The rate of provision coverage for expected credit losses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ExpectedCreditLossProvisionCoverage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected Credit Loss, Provision Coverage</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ImpairmentLossOnFinancialAssets" xlink:label="ifrs-full_ImpairmentLossOnFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ImpairmentLossOnFinancialAssets" xlink:to="ifrs-full_ImpairmentLossOnFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ImpairmentLossOnFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected Credit Loss, Charge</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ImpairmentLossOnFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ECL (release)/charge</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:label="ifrs-full_DecreaseThroughWriteoffFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:to="ifrs-full_DecreaseThroughWriteoffFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DecreaseThroughWriteoffFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease through write-off, financial assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DecreaseThroughWriteoffFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts written off</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialAssetsTable" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialAssetsTable" xlink:to="ifrs-full_DisclosureOfFinancialAssetsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial assets [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfAssetsAxis" xlink:label="ifrs-full_ClassesOfAssetsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfAssetsAxis" xlink:to="ifrs-full_ClassesOfAssetsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfAssetsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of assets [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfAssetsMember" xlink:label="ifrs-full_ClassesOfAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfAssetsMember" xlink:to="ifrs-full_ClassesOfAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CentralAndLocalGovernmentMember" xlink:label="nwg_CentralAndLocalGovernmentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CentralAndLocalGovernmentMember" xlink:to="nwg_CentralAndLocalGovernmentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CentralAndLocalGovernmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the details pertaining to Central and local government member.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CentralAndLocalGovernmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Central and local government</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherMember" xlink:label="nwg_OtherMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherMember" xlink:to="nwg_OtherMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the details pertaining to financial assets related to other.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial institutions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_VisaIncMember" xlink:label="nwg_VisaIncMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_VisaIncMember" xlink:to="nwg_VisaIncMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_VisaIncMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for VISA Inc.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_VisaIncMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">VISA</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtcDerivativeLtdMember" xlink:label="nwg_OtcDerivativeLtdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtcDerivativeLtdMember" xlink:to="nwg_OtcDerivativeLtdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtcDerivativeLtdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for OTC Derivative Ltd.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtcDerivativeLtdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">OTC Derivative Ltd</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SaudiBritishBankMember" xlink:label="nwg_SaudiBritishBankMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SaudiBritishBankMember" xlink:to="nwg_SaudiBritishBankMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SaudiBritishBankMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Saudi British Bank, SABB.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SaudiBritishBankMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">SABB</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_VocalinkMember" xlink:label="nwg_VocalinkMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_VocalinkMember" xlink:to="nwg_VocalinkMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_VocalinkMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Vocalink.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_VocalinkMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Vocalink</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RevenueFromDividends" xlink:label="ifrs-full_RevenueFromDividends" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RevenueFromDividends" xlink:to="ifrs-full_RevenueFromDividends_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RevenueFromDividends_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividend income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialAssetsDisposedOff" xlink:label="nwg_OtherFinancialAssetsDisposedOff" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialAssetsDisposedOff" xlink:to="nwg_OtherFinancialAssetsDisposedOff_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialAssetsDisposedOff_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of other financial assets disposed off during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialAssetsDisposedOff_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Financial Assets Disposed Off</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherFinancialAssetsDisposedOff_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets disposed off</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillTable" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillTable" xlink:to="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of reconciliation of changes in intangible assets and goodwill [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xlink:label="ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xlink:to="ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of intangible assets and goodwill [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IntangibleAssetsAndGoodwillMember" xlink:label="ifrs-full_IntangibleAssetsAndGoodwillMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IntangibleAssetsAndGoodwillMember" xlink:to="ifrs-full_IntangibleAssetsAndGoodwillMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IntangibleAssetsAndGoodwillMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets and goodwill [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GoodwillMember" xlink:label="ifrs-full_GoodwillMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GoodwillMember" xlink:to="ifrs-full_GoodwillMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GoodwillMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MethodsOfGenerationAxis" xlink:label="ifrs-full_MethodsOfGenerationAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MethodsOfGenerationAxis" xlink:to="ifrs-full_MethodsOfGenerationAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MethodsOfGenerationAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Methods of generation [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MethodsOfGenerationMember" xlink:label="ifrs-full_MethodsOfGenerationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MethodsOfGenerationMember" xlink:to="ifrs-full_MethodsOfGenerationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MethodsOfGenerationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Methods of generation [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InternallyGeneratedMember" xlink:label="ifrs-full_InternallyGeneratedMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InternallyGeneratedMember" xlink:to="ifrs-full_InternallyGeneratedMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InternallyGeneratedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Internally generated software</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xlink:label="ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xlink:to="ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Carrying amount, accumulated depreciation, amortisation and impairment and gross carrying amount [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CarryingAmountMember" xlink:label="ifrs-full_CarryingAmountMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CarryingAmountMember" xlink:to="ifrs-full_CarryingAmountMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CarryingAmountMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Carrying amount [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_GrossCarryingAmountMember" xlink:label="ifrs-full_GrossCarryingAmountMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_GrossCarryingAmountMember" xlink:to="ifrs-full_GrossCarryingAmountMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_GrossCarryingAmountMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember" xlink:label="ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember" xlink:to="ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AccumulatedDepreciationAmortisationAndImpairmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accumulated impairment, depreciation and amortisation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember" xlink:label="nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember" xlink:to="nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for retail banking.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest group excluding RBS Plc and retail banking [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NatwestGroupExcludingRbsPlcAndRetailBankingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest group excluding RBS Plc and retail banking</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillLineItems" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillLineItems" xlink:to="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of reconciliation of changes in intangible assets and goodwill [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReconciliationOfChangesInIntangibleAssetsAndGoodwillAbstract" xlink:label="ifrs-full_ReconciliationOfChangesInIntangibleAssetsAndGoodwillAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReconciliationOfChangesInIntangibleAssetsAndGoodwillAbstract" xlink:to="ifrs-full_ReconciliationOfChangesInIntangibleAssetsAndGoodwillAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReconciliationOfChangesInIntangibleAssetsAndGoodwillAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of changes in intangible assets and goodwill [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReconciliationOfChangesInIntangibleAssetsAndGoodwillAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Intangible assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" xlink:to="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through net exchange differences, intangible assets and goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency translation and other adjustments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xlink:label="ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" xlink:to="ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additions other than through business combinations, intangible assets other than goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisposalsAndRetirementsIntangibleAssetsAndGoodwill" xlink:label="ifrs-full_DisposalsAndRetirementsIntangibleAssetsAndGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisposalsAndRetirementsIntangibleAssetsAndGoodwill" xlink:to="ifrs-full_DisposalsAndRetirementsIntangibleAssetsAndGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisposalsAndRetirementsIntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disposals and retirements, intangible assets and goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DisposalsAndRetirementsIntangibleAssetsAndGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disposals and write-off of fully amortised assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xlink:label="ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill" xlink:to="ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amortisation, intangible assets other than goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_AmortisationIntangibleAssetsOtherThanGoodwill_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amortisation charge for the year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable" xlink:label="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable" xlink:to="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of information for cash-generating units [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OnePercentAdverseMovementInDiscountRateMember" xlink:label="nwg_OnePercentAdverseMovementInDiscountRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OnePercentAdverseMovementInDiscountRateMember" xlink:to="nwg_OnePercentAdverseMovementInDiscountRateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OnePercentAdverseMovementInDiscountRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">One percent adverse movement in discount rate [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OnePercentAdverseMovementInDiscountRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">1% adverse movement in discount rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OnePercentAdverseMovementInTerminalGrowthRateMember" xlink:label="nwg_OnePercentAdverseMovementInTerminalGrowthRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OnePercentAdverseMovementInTerminalGrowthRateMember" xlink:to="nwg_OnePercentAdverseMovementInTerminalGrowthRateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OnePercentAdverseMovementInTerminalGrowthRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">One percent adverse movement in terminal growth rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OnePercentAdverseMovementInTerminalGrowthRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">1% adverse movement in terminal growth rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FivePercentAdverseMovementInForecastIncomeMember" xlink:label="nwg_FivePercentAdverseMovementInForecastIncomeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FivePercentAdverseMovementInForecastIncomeMember" xlink:to="nwg_FivePercentAdverseMovementInForecastIncomeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FivePercentAdverseMovementInForecastIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Five percent adverse movement in forecast income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FivePercentAdverseMovementInForecastIncomeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">5% adverse movement in forecast income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FivePercentAdverseMovementInForecastCostMember" xlink:label="nwg_FivePercentAdverseMovementInForecastCostMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FivePercentAdverseMovementInForecastCostMember" xlink:to="nwg_FivePercentAdverseMovementInForecastCostMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FivePercentAdverseMovementInForecastCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Five percent adverse movement in forecast cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FivePercentAdverseMovementInForecastCostMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">5% adverse movement in forecast cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xlink:label="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xlink:to="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of information for cash-generating units [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of information for cash-generating units</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xlink:label="ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xlink:to="ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Growth rate used to extrapolate cash flow projections</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Terminal growth rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:label="ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:to="ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discount rate applied to cash flow projections</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pre-tax discount rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CostIncomeRatio" xlink:label="nwg_CostIncomeRatio" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CostIncomeRatio" xlink:to="nwg_CostIncomeRatio_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CostIncomeRatio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The rate of cost income ratio, calculated by dividing operating cost by operating income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CostIncomeRatio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cost Income Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount" xlink:label="ifrs-full_AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount" xlink:to="ifrs-full_AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount by which unit's recoverable amount exceeds its carrying amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AmountByWhichUnitsRecoverableAmountExceedsItsCarryingAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Recoverable amount exceeded carrying value</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" xlink:label="nwg_DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement" xlink:to="nwg_DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The decrease in recoverable amount of goodwill as a consequence of adverse movement in cash flow projection inputs.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease in recoverable amount of goodwill as a consequence of adverse movement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DecreaseInRecoverableAmountOfGoodwillAsConsequenceOfAdverseMovement_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease in recoverable amount of goodwill as a consequence of adverse movement</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ForecastPeriodForAverageCostIncomeRatio" xlink:label="nwg_ForecastPeriodForAverageCostIncomeRatio" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ForecastPeriodForAverageCostIncomeRatio" xlink:to="nwg_ForecastPeriodForAverageCostIncomeRatio_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ForecastPeriodForAverageCostIncomeRatio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the forecast period for average cost, income ratio.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ForecastPeriodForAverageCostIncomeRatio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast Period For Average Cost, Income Ratio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ForecastPeriodForAverageCostIncomeRatio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast period for average cost:income ratio</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_VarianceAxis" xlink:label="nwg_VarianceAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_VarianceAxis" xlink:to="nwg_VarianceAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_VarianceAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_VarianceAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Variance [Axis]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_VarianceDomain" xlink:label="nwg_VarianceDomain" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_VarianceDomain" xlink:to="nwg_VarianceDomain_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_VarianceDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_VarianceDomain_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Variance [Domain]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ChangeToReduceHeadroomToNilMember" xlink:label="nwg_ChangeToReduceHeadroomToNilMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ChangeToReduceHeadroomToNilMember" xlink:to="nwg_ChangeToReduceHeadroomToNilMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ChangeToReduceHeadroomToNilMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">It represents changes to reduce headroom to nil</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ChangeToReduceHeadroomToNilMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">change to reduce headroom CGUs to nil</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ForecastIncomeRate" xlink:label="nwg_ForecastIncomeRate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ForecastIncomeRate" xlink:to="nwg_ForecastIncomeRate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ForecastIncomeRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The rate of forecast income ratio, calculated by dividing operating cost by operating income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ForecastIncomeRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast Income Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ForecastIncomeRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ForecastCostRate" xlink:label="nwg_ForecastCostRate" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ForecastCostRate" xlink:to="nwg_ForecastCostRate_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ForecastCostRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast Cost Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ForecastCostRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast Cost Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ForecastCostRate_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Forecast cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xlink:label="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xlink:to="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of associates [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SignificantInvestmentsInAssociatesAxis" xlink:label="ifrs-full_SignificantInvestmentsInAssociatesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SignificantInvestmentsInAssociatesAxis" xlink:to="ifrs-full_SignificantInvestmentsInAssociatesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SignificantInvestmentsInAssociatesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Associates [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForAssociatesMember" xlink:label="ifrs-full_EntitysTotalForAssociatesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForAssociatesMember" xlink:to="ifrs-full_EntitysTotalForAssociatesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForAssociatesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity's total for associates [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_BusinessGrowthFundAssociateMember" xlink:label="nwg_BusinessGrowthFundAssociateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_BusinessGrowthFundAssociateMember" xlink:to="nwg_BusinessGrowthFundAssociateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_BusinessGrowthFundAssociateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for business growth fund.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_BusinessGrowthFundAssociateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Business Growth Fund</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherPropertyPlantAndEquipmentMember" xlink:label="ifrs-full_OtherPropertyPlantAndEquipmentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherPropertyPlantAndEquipmentMember" xlink:to="ifrs-full_OtherPropertyPlantAndEquipmentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherPropertyPlantAndEquipmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ComputerEquipmentMember" xlink:label="ifrs-full_ComputerEquipmentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ComputerEquipmentMember" xlink:to="ifrs-full_ComputerEquipmentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ComputerEquipmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Computers equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xlink:label="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xlink:to="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of associates [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:label="ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:to="ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Receivables due from related parties</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interests in associates (1)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PropertyPlantAndEquipment" xlink:label="ifrs-full_PropertyPlantAndEquipment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PropertyPlantAndEquipment" xlink:to="ifrs-full_PropertyPlantAndEquipment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Property, plant and equipment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_PropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Property, plant and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Prepayments" xlink:label="ifrs-full_Prepayments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Prepayments" xlink:to="ifrs-full_Prepayments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Prepayments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Prepayments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_Prepayments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Prepayments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccruedIncomeOtherThanContractAssets" xlink:label="ifrs-full_AccruedIncomeOtherThanContractAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AccruedIncomeOtherThanContractAssets" xlink:to="ifrs-full_AccruedIncomeOtherThanContractAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AccruedIncomeOtherThanContractAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accrued income other than contract assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AccruedIncomeOtherThanContractAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accrued income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax" xlink:label="ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax" xlink:to="ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Receivables from taxes other than income tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReceivablesFromTaxesOtherThanIncomeTax_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tax recoverable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BankAcceptanceAssets" xlink:label="ifrs-full_BankAcceptanceAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BankAcceptanceAssets" xlink:to="ifrs-full_BankAcceptanceAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BankAcceptanceAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bank acceptance assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_BankAcceptanceAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Acceptances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherAssetsOther" xlink:label="nwg_OtherAssetsOther" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherAssetsOther" xlink:to="nwg_OtherAssetsOther_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherAssetsOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other assets that the entity separately disclose in the same statement or note.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherAssetsOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Assets, Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherAssetsOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" xlink:label="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost" xlink:to="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Useful life measured as period of time, biological assets, at cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeBiologicalAssetsAtCost_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Estimated useful lives</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialLiabilitiesTable" xlink:label="ifrs-full_DisclosureOfFinancialLiabilitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialLiabilitiesTable" xlink:to="ifrs-full_DisclosureOfFinancialLiabilitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial liabilities [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:label="ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:to="ifrs-full_DisclosureOfFinancialLiabilitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial liabilities [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfFinancialLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of financial liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DatedSubordinatedLiabilities" xlink:label="ifrs-full_DatedSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DatedSubordinatedLiabilities" xlink:to="ifrs-full_DatedSubordinatedLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DatedSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dated subordinated liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DatedSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dated loan capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UndatedSubordinatedLiabilities" xlink:label="ifrs-full_UndatedSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UndatedSubordinatedLiabilities" xlink:to="ifrs-full_UndatedSubordinatedLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UndatedSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undated subordinated liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_UndatedSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undated loan capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PreferenceSharesClassifiedAsLiabilities" xlink:label="nwg_PreferenceSharesClassifiedAsLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PreferenceSharesClassifiedAsLiabilities" xlink:to="nwg_PreferenceSharesClassifiedAsLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PreferenceSharesClassifiedAsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents preference share issued by the company and classified as liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PreferenceSharesClassifiedAsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preference shares, classified as liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PreferenceSharesClassifiedAsLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preference shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsTable" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsTable" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about borrowings [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member" xlink:label="nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member" xlink:to="nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, ??1,000 million 3.622% dated notes 2030, (callable between May 2025 to August 2025).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlc1000Million3.622DatedNotes2030Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, 1,000 million 3.622% dated notes 2030</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member" xlink:label="nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member" xlink:to="nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$850 million 3.032% dated notes 2035, (callable November 2030).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs850Million3.032DatedNotes2035Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$850 million 3.032% dated notes 2035</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member" xlink:label="nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member" xlink:to="nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, 1000 million 2.105% dated notes 2031 (callable November 2026).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlc1000Million2.105DatedNotes2031Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, 1000 million 2.105% dated notes 2031</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member" xlink:label="nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member" xlink:to="nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, 750 million 1.043% dated notes 2032 (callable September 2027).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlc750Million1.043DatedNotes2032Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, 750 million 1.043% dated notes 2032</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcMember" xlink:label="nwg_NatwestGroupPlcMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcMember" xlink:to="nwg_NatwestGroupPlcMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group Plc  subordinated debt.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember" xlink:label="nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember" xlink:to="nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$2,250 million 6.13% dated notes 2022 (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs2250Million6.13DatedNotes2022PartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$2,250 million 6.13% dated notes 2022 (partial redemption)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember" xlink:label="nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember" xlink:to="nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$1,000 million 6.10% dated notes 2023 (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs1000Million6.10DatedNotes2023PartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$1,000 million 6.10% dated notes 2023 (partial redemption)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member" xlink:label="nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member" xlink:to="nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$2,000 million 7.5% dated notes 2020.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs2000Million7.5DatedNotes2020Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$2,000 million 7.5% dated notes 2020</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember" xlink:label="nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember" xlink:to="nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$762 million 7.648% undated notes (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs762Million7.648UndatedNotesPartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$762 million 7.648% undated notes (partial redemption)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember" xlink:label="nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember" xlink:to="nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc,US$106 million floating rate undated notes (callable on any interest payment date).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs106MillionFloatingRateUndatedNotesCallableOnAnyInterestPaymentDateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group Plc, US$106 million floating rate undated notes (callable on any interest payment date)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member" xlink:label="nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member" xlink:to="nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$2,650 million 8.625% dated notes 2021 (callable August 2021).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs2650Million8.625DatedNotes2021Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$2,650 million 8.625% dated notes 2021</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member" xlink:label="nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member" xlink:to="nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$2,250 million 5.125% dated notes 2024 (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs2250Million5.125DatedNotes2024Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$2,250 million 5.125% dated notes 2024</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member" xlink:label="nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member" xlink:to="nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for The NatWest Group plc, US$2,000 million 6% dated notes 2023 (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupPlcUs2000Million6DatedNotes2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group plc, US$2,000 million 6% dated notes 2023</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member" xlink:label="nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member" xlink:to="nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Markets Plc US$125.6 million floating rate notes 2020.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsPlcUs125.6MillionFloatingRateNotes2020Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Markets Plc US$125.6 million floating rate notes 2020</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member" xlink:label="nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member" xlink:to="nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Markets Plc, 144.4 million floating rate dated notes 2023 (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsPlc144.4MillionFloatingRateDatedNotes2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Markets Plc, 144.4 million floating rate dated notes 2023</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member" xlink:label="nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member" xlink:to="nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Natwest Markets Plc 145.6 Million Floating Rate Dated Notes 2023 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Natwest Markets Plc 145.6 Million Floating Rate Dated Notes 2023 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NatwestMarketsPlc145.6MillionFloatingRateDatedNotes2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">145.6 million floating rate dated notes 2023 (partial redemption)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsPlc31Million3.0883NotesMember" xlink:label="nwg_NatwestMarketsPlc31Million3.0883NotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsPlc31Million3.0883NotesMember" xlink:to="nwg_NatwestMarketsPlc31Million3.0883NotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsPlc31Million3.0883NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Markets Plc,  31 million 3.0883% notes (partial redemption),</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsPlc31Million3.0883NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Markets Plc, 31 million 3.0883% notes (partial redemption)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsPlc19Million5.63NotesMember" xlink:label="nwg_NatwestMarketsPlc19Million5.63NotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsPlc19Million5.63NotesMember" xlink:to="nwg_NatwestMarketsPlc19Million5.63NotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsPlc19Million5.63NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NatWest Markets Plc, 19 million 5.63% notes (partial redemption)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsPlc19Million5.63NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Markets Plc, 19 million 5.63% notes (partial redemption)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember" xlink:label="nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember" xlink:to="nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, US$285 million floating rate notes (callable semi-annually).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlcUs285MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, US$285 million floating rate notes (callable semi-annually).</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember" xlink:label="nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember" xlink:to="nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, 10 million floating rate notes (callable quarterly).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlc10MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, 10 million floating rate notes (callable quarterly).</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember" xlink:label="nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember" xlink:to="nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, 178 million floating rate notes (callable quarterly).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlc178MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, 178 million floating rate notes (callable quarterly).</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember" xlink:label="nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember" xlink:to="nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, US$193 million floating rate notes (callable semi-annually).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlcUs193MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, US$193 million floating rate notes (callable semi-annually).</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember" xlink:label="nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember" xlink:to="nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, US$229 million floating rate notes (callable semi-annually).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlcUs229MillionFloatingRateNotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, US$229 million floating rate notes (callable semi-annually).</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member" xlink:label="nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member" xlink:to="nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, 300 million 6.5% subordinated notes 2021 (not callable).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlc300Million6.5SubordinatedNotes2021Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, 300 million 6.5% subordinated notes 2021</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember" xlink:label="nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember" xlink:to="nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, 35 million 11.5% notes (callable December 2022) (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlc3.5Million11.5NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, 35 million 11.5% notes</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member" xlink:label="nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member" xlink:to="nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc, million 9% cumulative preference shares of 1 (not callable).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlc140Million9CumulativePreferenceSharesOf1Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc, 140 million 9% cumulative preference shares of 1</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NationalWestMinisterBankPlcMember" xlink:label="nwg_NationalWestMinisterBankPlcMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NationalWestMinisterBankPlcMember" xlink:to="nwg_NationalWestMinisterBankPlcMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NationalWestMinisterBankPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for National West Minister Bank Plc subordinated debt.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NationalWestMinisterBankPlcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">National Westminister Bank Plc</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember" xlink:label="nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember" xlink:to="nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NWM N.V. and subsidiaries, US$650 million 6.425% Undated notes 2043 (partial redemption).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NwmN.v.AndSubsidiariesUs650Million6.425UndatedNotes2043PartialRedemptionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NWM N.V. and subsidiaries, US$650 million 6.425% Undated notes 2043 (partial redemption)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member" xlink:label="nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member" xlink:to="nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NWM N.V. and subsidiaries, ???15 million floating rate notes 2020.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NwmN.v.AndSubsidiariesEuro15MillionFloatingRateNotes2020Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NWM N.V. and subsidiaries, 15 million 6.00% notes 2020</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NwmNvAndSubsidiariesMember" xlink:label="nwg_NwmNvAndSubsidiariesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NwmNvAndSubsidiariesMember" xlink:to="nwg_NwmNvAndSubsidiariesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NwmNvAndSubsidiariesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for NWM NV and subsidiaries subordinated debt.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NwmNvAndSubsidiariesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NWM S NV and subsidiaries</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsLineItems" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsLineItems" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of detailed information about borrowings [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BorrowingsByTypeAbstract" xlink:label="ifrs-full_BorrowingsByTypeAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BorrowingsByTypeAbstract" xlink:to="ifrs-full_BorrowingsByTypeAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BorrowingsByTypeAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Borrowings, by type [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_BorrowingsByTypeAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:label="ifrs-full_RepaymentsOfSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:to="ifrs-full_RepaymentsOfSubordinatedLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RepaymentsOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Repayments of subordinated liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_RepaymentsOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption of subordinated liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RepaymentsOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption of subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:label="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:to="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds from issue of subordinated liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Issue of subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherProvisions" xlink:label="ifrs-full_OtherProvisions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherProvisions" xlink:to="ifrs-full_OtherProvisions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other provisions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_OtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance at end of the period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_OtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Balance at beginning of the period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provisions for liabilities and charges</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AccrualsClassifiedAsCurrent" xlink:label="ifrs-full_AccrualsClassifiedAsCurrent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AccrualsClassifiedAsCurrent" xlink:to="ifrs-full_AccrualsClassifiedAsCurrent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AccrualsClassifiedAsCurrent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accruals classified as current</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AccrualsClassifiedAsCurrent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accruals</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DeferredIncomeOtherThanContractLiabilities" xlink:label="ifrs-full_DeferredIncomeOtherThanContractLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DeferredIncomeOtherThanContractLiabilities" xlink:to="ifrs-full_DeferredIncomeOtherThanContractLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DeferredIncomeOtherThanContractLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred income other than contract liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DeferredIncomeOtherThanContractLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CurrentTaxLiabilities" xlink:label="ifrs-full_CurrentTaxLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CurrentTaxLiabilities" xlink:to="ifrs-full_CurrentTaxLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CurrentTaxLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current tax liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CurrentTaxLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Current tax</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BankAcceptanceLiabilities" xlink:label="ifrs-full_BankAcceptanceLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BankAcceptanceLiabilities" xlink:to="ifrs-full_BankAcceptanceLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BankAcceptanceLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Bank acceptance liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_BankAcceptanceLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Acceptances</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherLiabilitiesOther" xlink:label="nwg_OtherLiabilitiesOther" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherLiabilitiesOther" xlink:to="nwg_OtherLiabilitiesOther_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherLiabilitiesOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other liabilities that the entity separately disclose in the same statement or note.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherLiabilitiesOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Liabilities, Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherLiabilitiesOther_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisposalGroupLiabilities" xlink:label="nwg_DisposalGroupLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisposalGroupLiabilities" xlink:to="nwg_DisposalGroupLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisposalGroupLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of liabilities classified under disposal group.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisposalGroupLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disposal Group, Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisposalGroupLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities of disposal groups</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfProvisionsAxis" xlink:label="ifrs-full_ClassesOfProvisionsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfProvisionsAxis" xlink:to="ifrs-full_ClassesOfProvisionsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfProvisionsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of other provisions [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherProvisionsMember" xlink:label="ifrs-full_OtherProvisionsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherProvisionsMember" xlink:to="ifrs-full_OtherProvisionsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherProvisionsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other provisions [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CustomerRedressMember" xlink:label="nwg_CustomerRedressMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CustomerRedressMember" xlink:to="nwg_CustomerRedressMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CustomerRedressMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member satnds for customer redress.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CustomerRedressMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Customer redress</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LegalProceedingsProvisionMember" xlink:label="ifrs-full_LegalProceedingsProvisionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LegalProceedingsProvisionMember" xlink:to="ifrs-full_LegalProceedingsProvisionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LegalProceedingsProvisionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Legal proceedings provision [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_LegalProceedingsProvisionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Litigation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PropertyMember" xlink:label="nwg_PropertyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PropertyMember" xlink:to="nwg_PropertyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PropertyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for property.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PropertyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Property</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinancialCommitmentsAndGuaranteesMember" xlink:label="nwg_FinancialCommitmentsAndGuaranteesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinancialCommitmentsAndGuaranteesMember" xlink:to="nwg_FinancialCommitmentsAndGuaranteesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinancialCommitmentsAndGuaranteesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for financial commitments and guarantees.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinancialCommitmentsAndGuaranteesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial commitments and guarantees</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MiscellaneousOtherProvisionMember" xlink:label="nwg_MiscellaneousOtherProvisionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MiscellaneousOtherProvisionMember" xlink:to="nwg_MiscellaneousOtherProvisionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MiscellaneousOtherProvisionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Other miscellaneous provision.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MiscellaneousOtherProvisionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Property and other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReconciliationOfChangesInOtherProvisionsAbstract" xlink:label="ifrs-full_ReconciliationOfChangesInOtherProvisionsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReconciliationOfChangesInOtherProvisionsAbstract" xlink:to="ifrs-full_ReconciliationOfChangesInOtherProvisionsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReconciliationOfChangesInOtherProvisionsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in other provisions [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReconciliationOfChangesInOtherProvisionsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provisions for liabilities and charges</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReversalAllowanceAccountForCreditLossesOfFinancialAssets" xlink:label="ifrs-full_ReversalAllowanceAccountForCreditLossesOfFinancialAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReversalAllowanceAccountForCreditLossesOfFinancialAssets" xlink:to="ifrs-full_ReversalAllowanceAccountForCreditLossesOfFinancialAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReversalAllowanceAccountForCreditLossesOfFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Decrease in Existing Provisions Due to Expected Credit Losses Impairment Charge</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="ifrs-full_ReversalAllowanceAccountForCreditLossesOfFinancialAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected credit losses impairment release</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" xlink:to="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) Through Net Exchange Differences, Provisions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Currency translation and other movements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NewProvisionsOtherProvisions" xlink:label="ifrs-full_NewProvisionsOtherProvisions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NewProvisionsOtherProvisions" xlink:to="ifrs-full_NewProvisionsOtherProvisions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NewProvisionsOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional Provisions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_NewProvisionsOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Charge to income statement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnusedProvisionReversedOtherProvisions" xlink:label="ifrs-full_UnusedProvisionReversedOtherProvisions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnusedProvisionReversedOtherProvisions" xlink:to="ifrs-full_UnusedProvisionReversedOtherProvisions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnusedProvisionReversedOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provisions, releases to income statement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_UnusedProvisionReversedOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Release to income statement</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProvisionUsedOtherProvisions" xlink:label="ifrs-full_ProvisionUsedOtherProvisions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProvisionUsedOtherProvisions" xlink:to="ifrs-full_ProvisionUsedOtherProvisions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProvisionUsedOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provision used, other provisions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ProvisionUsedOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provisions utilised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_ProvisionUsedOtherProvisions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Provisions utilised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfClassesOfShareCapitalTable" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfClassesOfShareCapitalTable" xlink:to="ifrs-full_DisclosureOfClassesOfShareCapitalTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of classes of share capital [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonCumulativePreferenceShares01Member" xlink:label="nwg_NonCumulativePreferenceShares01Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonCumulativePreferenceShares01Member" xlink:to="nwg_NonCumulativePreferenceShares01Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonCumulativePreferenceShares01Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-cumulative preference shares of 0.01.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonCumulativePreferenceShares01Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-cumulative preference shares of 0.01</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CumulativePreferenceShares1Member" xlink:label="nwg_CumulativePreferenceShares1Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CumulativePreferenceShares1Member" xlink:to="nwg_CumulativePreferenceShares1Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CumulativePreferenceShares1Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for cumulative preference shares of 1.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CumulativePreferenceShares1Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cumulative preference shares of 1</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xlink:to="ifrs-full_DisclosureOfClassesOfShareCapitalLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of classes of share capital [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfClassesOfShareCapitalLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfSharesIssued" xlink:label="ifrs-full_NumberOfSharesIssued" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfSharesIssued" xlink:to="ifrs-full_NumberOfSharesIssued_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfSharesIssued_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_NumberOfSharesIssued_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RedeemedEquityPreferenceShares" xlink:label="nwg_RedeemedEquityPreferenceShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RedeemedEquityPreferenceShares" xlink:to="nwg_RedeemedEquityPreferenceShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RedeemedEquityPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of equity preference shares redeemed.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RedeemedEquityPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redeemed Equity Preference Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RedeemedEquityPreferenceShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares redeemed</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ReconciliationOfValueOfSharesOutstandingAbstract" xlink:label="nwg_ReconciliationOfValueOfSharesOutstandingAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ReconciliationOfValueOfSharesOutstandingAbstract" xlink:to="nwg_ReconciliationOfValueOfSharesOutstandingAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ReconciliationOfValueOfSharesOutstandingAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ReconciliationOfValueOfSharesOutstandingAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of value of shares outstanding [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ReconciliationOfValueOfSharesOutstandingAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Value of shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ReconciliationOfNumberOfSharesOutstandingAbstract" xlink:label="ifrs-full_ReconciliationOfNumberOfSharesOutstandingAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ReconciliationOfNumberOfSharesOutstandingAbstract" xlink:to="ifrs-full_ReconciliationOfNumberOfSharesOutstandingAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ReconciliationOfNumberOfSharesOutstandingAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Reconciliation of number of shares outstanding [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ReconciliationOfNumberOfSharesOutstandingAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NumberOfSharesOutstanding" xlink:label="ifrs-full_NumberOfSharesOutstanding" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NumberOfSharesOutstanding" xlink:to="ifrs-full_NumberOfSharesOutstanding_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NumberOfSharesOutstanding_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_NumberOfSharesOutstanding_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_NumberOfSharesOutstanding_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SharesIssuedDuringPeriod" xlink:label="nwg_SharesIssuedDuringPeriod" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SharesIssuedDuringPeriod" xlink:to="nwg_SharesIssuedDuringPeriod_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SharesIssuedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of shares issued during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SharesIssuedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares Issued During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SharesIssuedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares issued</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SharesRedeemedDuringPeriod" xlink:label="nwg_SharesRedeemedDuringPeriod" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SharesRedeemedDuringPeriod" xlink:to="nwg_SharesRedeemedDuringPeriod_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SharesRedeemedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of shares redeemed during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SharesRedeemedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares Redeemed During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_SharesRedeemedDuringPeriod_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares redeemed</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ShareAndOptionAwardsMember" xlink:label="nwg_ShareAndOptionAwardsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ShareAndOptionAwardsMember" xlink:to="nwg_ShareAndOptionAwardsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ShareAndOptionAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for share awards and options granted to employees.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ShareAndOptionAwardsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share awards and options</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OrdinaryShareBuybackProgramMember" xlink:label="nwg_OrdinaryShareBuybackProgramMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OrdinaryShareBuybackProgramMember" xlink:to="nwg_OrdinaryShareBuybackProgramMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OrdinaryShareBuybackProgramMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary share buyback program</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OrdinaryShareBuybackProgramMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary share buyback program [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OrdinaryShareBuybackProgramMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary share buyback program</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuthorizedShareCapitalAmount" xlink:label="nwg_AuthorizedShareCapitalAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuthorizedShareCapitalAmount" xlink:to="nwg_AuthorizedShareCapitalAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuthorizedShareCapitalAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of authorized share capital under the company's constitution.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuthorizedShareCapitalAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Authorized Share Capital Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuthorizedShareCapitalAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Authorized share capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuthorizedShareCapitalAmountGranted" xlink:label="nwg_AuthorizedShareCapitalAmountGranted" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuthorizedShareCapitalAmountGranted" xlink:to="nwg_AuthorizedShareCapitalAmountGranted_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuthorizedShareCapitalAmountGranted_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of authorized share capital granted.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuthorizedShareCapitalAmountGranted_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Authorized Share Capital Amount Granted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuthorizedShareCapitalAmountGranted_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Authorized share capital granted</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect" xlink:label="nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect" xlink:to="nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of authorized share capital granted after reflecting the effect of buyback.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Authorized Share Capital Amount Granted After Buyback Effect</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AuthorizedShareCapitalAmountGrantedAfterBuybackEffect_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Authorized share capital amount granted after the buyback effect</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOwnSharesPurchased" xlink:label="nwg_NumberOfOwnSharesPurchased" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOwnSharesPurchased" xlink:to="nwg_NumberOfOwnSharesPurchased_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOwnSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of own shares in the entity purchased by the entity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOwnSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of own shares purchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfOwnSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of own shares purchased</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NominalValueOfOwnSharesPurchased" xlink:label="nwg_NominalValueOfOwnSharesPurchased" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NominalValueOfOwnSharesPurchased" xlink:to="nwg_NominalValueOfOwnSharesPurchased_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NominalValueOfOwnSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The nominal value of own shares purchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NominalValueOfOwnSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Nominal value of own shares purchased</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ConsiderationPaidForRepurchaseOfOwnShares" xlink:label="nwg_ConsiderationPaidForRepurchaseOfOwnShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ConsiderationPaidForRepurchaseOfOwnShares" xlink:to="nwg_ConsiderationPaidForRepurchaseOfOwnShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ConsiderationPaidForRepurchaseOfOwnShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of consideration paid for repurchase of own shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ConsiderationPaidForRepurchaseOfOwnShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Consideration paid for repurchase of own shares</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfIssuedSharesRepurchased" xlink:label="nwg_PercentageOfIssuedSharesRepurchased" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfIssuedSharesRepurchased" xlink:to="nwg_PercentageOfIssuedSharesRepurchased_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfIssuedSharesRepurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of issued shares repurchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfIssuedSharesRepurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of issued shares repurchased</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOwnSharesCancelled" xlink:label="nwg_NumberOfOwnSharesCancelled" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOwnSharesCancelled" xlink:to="nwg_NumberOfOwnSharesCancelled_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOwnSharesCancelled_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of own shares in the entity cancelled during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOwnSharesCancelled_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of own shares cancelled</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TreasurySharesReIssuedForOptionsExercise" xlink:label="nwg_TreasurySharesReIssuedForOptionsExercise" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TreasurySharesReIssuedForOptionsExercise" xlink:to="nwg_TreasurySharesReIssuedForOptionsExercise_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TreasurySharesReIssuedForOptionsExercise_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of treasury shares issued for exercise of options during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TreasurySharesReIssuedForOptionsExercise_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Treasury Shares, Re-Issued For Options Exercise</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates" xlink:label="ifrs-full_SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates" xlink:to="ifrs-full_SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares in entity held by entity or by its subsidiaries or associates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Own shares held</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_SharesInEntityHeldByEntityOrByItsSubsidiariesOrAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares held in treasury</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" xlink:label="nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates" xlink:to="nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of shares in the entity sold or issued by the entity or by its subsidiaries or associates.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shares in Entity Sold or Issued by Entity or by Its Subsidiaries or Associates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_SharesInEntitySoldOrIssuedByEntityOrByItsSubsidiariesOrAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Delivery of own shares held</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsStockRepurchaseProgramAuthorizedAmount" xlink:label="nwg_IfrsStockRepurchaseProgramAuthorizedAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsStockRepurchaseProgramAuthorizedAmount" xlink:to="nwg_IfrsStockRepurchaseProgramAuthorizedAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsStockRepurchaseProgramAuthorizedAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of stock repurchase plan authorized.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsStockRepurchaseProgramAuthorizedAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS Stock Repurchase Program, Authorized Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsStockRepurchaseProgramAuthorizedAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum amount for share buy back programme</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased" xlink:label="nwg_IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased" xlink:to="nwg_IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of shares authorized to be repurchased by an entity's Board of Directors under a stock repurchase plan.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">IFRS Stock Repurchase Program, Number of Shares Authorized to be Repurchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsStockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum number of ordinary shares purchased under Programme</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfSharesIssuedInConnectionToEmployeeSharePlans" xlink:label="nwg_NumberOfSharesIssuedInConnectionToEmployeeSharePlans" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfSharesIssuedInConnectionToEmployeeSharePlans" xlink:to="nwg_NumberOfSharesIssuedInConnectionToEmployeeSharePlans_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfSharesIssuedInConnectionToEmployeeSharePlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of shares issued in connection to employee share plans during the period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfSharesIssuedInConnectionToEmployeeSharePlans_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of shares issued in connection to employee share plans</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterimDividendPaid" xlink:label="nwg_InterimDividendPaid" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InterimDividendPaid" xlink:to="nwg_InterimDividendPaid_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterimDividendPaid_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash outflow for payment of interim dividend.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterimDividendPaid_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interim Dividend Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_InterimDividendPaid_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interim dividend paid</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterimDividendPaidOrdinarySharesPerShare" xlink:label="nwg_InterimDividendPaidOrdinarySharesPerShare" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InterimDividendPaidOrdinarySharesPerShare" xlink:to="nwg_InterimDividendPaidOrdinarySharesPerShare_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterimDividendPaidOrdinarySharesPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of interim dividend paid per ordinary share.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterimDividendPaidOrdinarySharesPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interim Dividend Paid, Ordinary Shares, Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_InterimDividendPaidOrdinarySharesPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interim dividend per share</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinalDividendRecommended" xlink:label="nwg_FinalDividendRecommended" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinalDividendRecommended" xlink:to="nwg_FinalDividendRecommended_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinalDividendRecommended_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The final dividend for the year recommended by the directors, subject to shareholder approval at the Annual General Meeting</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinalDividendRecommended_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Final dividend recommended</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinalDividendRecommendedPerShare" xlink:label="nwg_FinalDividendRecommendedPerShare" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinalDividendRecommendedPerShare" xlink:to="nwg_FinalDividendRecommendedPerShare_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinalDividendRecommendedPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The final dividend recommended by share by the directors, subject to shareholder approval at the Annual General Meeting</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinalDividendRecommendedPerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Final dividend recommended, per share</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RedemptionPricePerShare" xlink:label="nwg_RedemptionPricePerShare" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RedemptionPricePerShare" xlink:to="nwg_RedemptionPricePerShare_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RedemptionPricePerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The per share redemption price.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RedemptionPricePerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption Price Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RedemptionPricePerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption price per share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_RedemptionPricePerShare_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Conversion rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesMember" xlink:label="nwg_AdditionalTier1NotesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesMember" xlink:to="nwg_AdditionalTier1NotesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This element stands for additional tier 1 notes.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional Tier 1 notes</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesCallableAugust2020UsdMember" xlink:label="nwg_AdditionalTier1NotesCallableAugust2020UsdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesCallableAugust2020UsdMember" xlink:to="nwg_AdditionalTier1NotesCallableAugust2020UsdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesCallableAugust2020UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the additional tier 1 note in U.S. Dollars that is callable in August, 2020.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesCallableAugust2020UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier 1 note callable August, 2020, USD</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesCallableAugust2025UsdMember" xlink:label="nwg_AdditionalTier1NotesCallableAugust2025UsdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesCallableAugust2025UsdMember" xlink:to="nwg_AdditionalTier1NotesCallableAugust2025UsdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesCallableAugust2025UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the additional tier 1 note in U.S. Dollars that is callable in August, 2025.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesCallableAugust2025UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier 1 note callable August, 2025, USD</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesCallableAugust2021UsdMember" xlink:label="nwg_AdditionalTier1NotesCallableAugust2021UsdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesCallableAugust2021UsdMember" xlink:to="nwg_AdditionalTier1NotesCallableAugust2021UsdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesCallableAugust2021UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the additional tier 1 note in U.S. Dollars that is callable in August, 2021.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesCallableAugust2021UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier 1 note callable August, 2021, USD</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember" xlink:label="nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember" xlink:to="nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the additional tier1 note in US Dollars that is callable in December 2025-june 2026.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesCallableDecember2025June2026UsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier 1 note callable December 2025 - June, 2026, USD</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember" xlink:label="nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember" xlink:to="nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the additional tier 1 note in GBP Dollars callable in may-november 2027.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesCallableMayNovember2027GbpMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier1 note callable May - November 2027, GBP</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember" xlink:label="nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember" xlink:to="nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the additional tier 1 note , march 2021 issuance (GBP).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesMarch2021IssuanceGbpMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier 1 notes, march 2021 issuance, GBP</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1NotesJune2021IssuanceUsdMember" xlink:label="nwg_AdditionalTier1NotesJune2021IssuanceUsdMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1NotesJune2021IssuanceUsdMember" xlink:to="nwg_AdditionalTier1NotesJune2021IssuanceUsdMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1NotesJune2021IssuanceUsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the additional tier 1 note, June 2021 issuance (USD).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1NotesJune2021IssuanceUsdMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier 1 notes, June 2021 issuance, USD</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember" xlink:label="nwg_InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember" xlink:to="nwg_InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Instruments are converted to into ordinary shares at fixed price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InstrumentsAreConvertedToIntoOrdinarySharesAtFixedPriceMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Instruments are converted to into ordinary shares at fixed price</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CommonEquityTier1Ratio" xlink:label="nwg_CommonEquityTier1Ratio" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CommonEquityTier1Ratio" xlink:to="nwg_CommonEquityTier1Ratio_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CommonEquityTier1Ratio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The common equity tier 1 ratio.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CommonEquityTier1Ratio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Minimum CET1 ration below which all outstanding Instruments will be converted into ordinary shares at a fixed price</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CommonEquityTier1Ratio_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">CET1 ratio (as a percent)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsPreferredStockDividendRatePercentage" xlink:label="nwg_IfrsPreferredStockDividendRatePercentage" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsPreferredStockDividendRatePercentage" xlink:to="nwg_IfrsPreferredStockDividendRatePercentage_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsPreferredStockDividendRatePercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The percentage rate used to calculate dividend payments on preferred stock.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsPreferredStockDividendRatePercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs Preferred Stock, Dividend Rate, Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsPreferredStockDividendRatePercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Dividend rate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NominalValueOfPreferenceStockSharesPurchased" xlink:label="nwg_NominalValueOfPreferenceStockSharesPurchased" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NominalValueOfPreferenceStockSharesPurchased" xlink:to="nwg_NominalValueOfPreferenceStockSharesPurchased_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NominalValueOfPreferenceStockSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the nominal value of preference stock shares purchased.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NominalValueOfPreferenceStockSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Nominal Value Of Preference Stock Shares Purchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NominalValueOfPreferenceStockSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Nominal value</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PercentageOfPreferredStockSharesPurchased" xlink:label="nwg_PercentageOfPreferredStockSharesPurchased" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PercentageOfPreferredStockSharesPurchased" xlink:to="nwg_PercentageOfPreferredStockSharesPurchased_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PercentageOfPreferredStockSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PercentageOfPreferredStockSharesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage Of Preferred Stock Shares Purchased</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PreferredStockSharesPurchasePricePercentage" xlink:label="nwg_PreferredStockSharesPurchasePricePercentage" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PreferredStockSharesPurchasePricePercentage" xlink:to="nwg_PreferredStockSharesPurchasePricePercentage_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PreferredStockSharesPurchasePricePercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PreferredStockSharesPurchasePricePercentage_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preferred Stock Shares Purchase Price Percentage</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares" xlink:label="nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares" xlink:to="nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of total consideration paid for the purchase of preferred stock shares.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total Consideration Paid For The Purchase Of Preferred Stock Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TotalConsiderationPaidForPurchaseOfPreferredStockShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total consideration</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsTable" xlink:label="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsTable" xlink:to="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of quantitative information about right-of-use assets [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PlantAndEquipmentMember" xlink:label="nwg_PlantAndEquipmentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PlantAndEquipmentMember" xlink:to="nwg_PlantAndEquipmentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PlantAndEquipmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for plant and equipment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PlantAndEquipmentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Plant and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsLineItems" xlink:label="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsLineItems" xlink:to="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfQuantitativeInformationAboutRightofuseAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of quantitative information about right-of-use assets [line items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestExpenseOnLeaseLiabilities" xlink:label="ifrs-full_InterestExpenseOnLeaseLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestExpenseOnLeaseLiabilities" xlink:to="ifrs-full_InterestExpenseOnLeaseLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestExpenseOnLeaseLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest expense on lease liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_InterestExpenseOnLeaseLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest payable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DepreciationRightofuseAssets" xlink:label="ifrs-full_DepreciationRightofuseAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DepreciationRightofuseAssets" xlink:to="ifrs-full_DepreciationRightofuseAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DepreciationRightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation, right-of-use assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DepreciationRightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Depreciation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed" xlink:label="ifrs-full_ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed" xlink:to="ifrs-full_ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expense relating to short-term leases for which recognition exemption has been used</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Rental expense on short term leases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncomeFromSubleasingRightofuseAssets" xlink:label="ifrs-full_IncomeFromSubleasingRightofuseAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncomeFromSubleasingRightofuseAssets" xlink:to="ifrs-full_IncomeFromSubleasingRightofuseAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncomeFromSubleasingRightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from subleasing right-of-use assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_IncomeFromSubleasingRightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Income from subleasing right-of-use assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RightofuseAssets" xlink:label="ifrs-full_RightofuseAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RightofuseAssets" xlink:to="ifrs-full_RightofuseAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Right-of-use assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_RightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Right of use assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AdditionsToRightofuseAssets" xlink:label="ifrs-full_AdditionsToRightofuseAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AdditionsToRightofuseAssets" xlink:to="ifrs-full_AdditionsToRightofuseAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AdditionsToRightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additions to right-of-use assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AdditionsToRightofuseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additions to right of use assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashOutflowForLeases" xlink:label="ifrs-full_CashOutflowForLeases" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashOutflowForLeases" xlink:to="ifrs-full_CashOutflowForLeases_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashOutflowForLeases_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash outflow for leases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CashOutflowForLeases_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total cash outflow for leases</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PaymentsOfPrincipalAmountLeaseLiabilities" xlink:label="nwg_PaymentsOfPrincipalAmountLeaseLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PaymentsOfPrincipalAmountLeaseLiabilities" xlink:to="nwg_PaymentsOfPrincipalAmountLeaseLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PaymentsOfPrincipalAmountLeaseLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payments of principal amount, lease liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PaymentsOfPrincipalAmountLeaseLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payments of principal amount, lease liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ImpairmentLossRightOfUseAssets" xlink:label="nwg_ImpairmentLossRightOfUseAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ImpairmentLossRightOfUseAssets" xlink:to="nwg_ImpairmentLossRightOfUseAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ImpairmentLossRightOfUseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of impairment loss on right-of-use assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ImpairmentLossRightOfUseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment Loss, Right-of-use Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ImpairmentLossRightOfUseAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairment of right of use assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RightOfUseAssetsAccumulatedDepreciation" xlink:label="nwg_RightOfUseAssetsAccumulatedDepreciation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RightOfUseAssetsAccumulatedDepreciation" xlink:to="nwg_RightOfUseAssetsAccumulatedDepreciation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RightOfUseAssetsAccumulatedDepreciation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of accumulated depreciation of right-of-use assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RightOfUseAssetsAccumulatedDepreciation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Right-of-use Assets, Accumulated Depreciation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RightOfUseAssetsAccumulatedDepreciation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Accumulated depreciation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract" xlink:to="nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts included in consolidated income statement for finance leases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutFinanceLeasesForLessorAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount included in consolidated income statement for finance leases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinanceIncomeOnNetInvestmentInFinanceLease" xlink:label="ifrs-full_FinanceIncomeOnNetInvestmentInFinanceLease" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinanceIncomeOnNetInvestmentInFinanceLease" xlink:to="ifrs-full_FinanceIncomeOnNetInvestmentInFinanceLease_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinanceIncomeOnNetInvestmentInFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Finance income on net investment in finance lease</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinanceIncomeOnNetInvestmentInFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Finance income on the net investment in leases</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract" xlink:to="nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">No definition available.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Quantitative Information About Operating Leases For Lessor [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DisclosureOfQuantitativeInformationAboutOperatingLeasesForLessorAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount included in consolidated income statement for operating leases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OperatingLeaseIncome" xlink:label="ifrs-full_OperatingLeaseIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OperatingLeaseIncome" xlink:to="ifrs-full_OperatingLeaseIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OperatingLeaseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Gross Lease income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetOperatingLeaseIncome" xlink:label="nwg_NetOperatingLeaseIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetOperatingLeaseIncome" xlink:to="nwg_NetOperatingLeaseIncome_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetOperatingLeaseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the amount of net lease income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetOperatingLeaseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net Operating Lease Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_NetOperatingLeaseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net lease income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_NetOperatingLeaseIncome_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lease income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableTable" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableTable" xlink:to="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of maturity analysis of finance lease payments receivable [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:label="ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:to="ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">After 1 year but within 2 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:label="ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:to="ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">2 to 3 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:label="ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:to="ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">3 to 4 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:label="ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:to="ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">4 to 5 years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableLineItems" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableLineItems" xlink:to="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of maturity analysis of finance lease payments receivable [line items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UndiscountedFinanceLeasePaymentsToBeReceived" xlink:label="ifrs-full_UndiscountedFinanceLeasePaymentsToBeReceived" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UndiscountedFinanceLeasePaymentsToBeReceived" xlink:to="ifrs-full_UndiscountedFinanceLeasePaymentsToBeReceived_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UndiscountedFinanceLeasePaymentsToBeReceived_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undiscounted finance lease payments to be received</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_UndiscountedFinanceLeasePaymentsToBeReceived_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lease payments total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease" xlink:label="ifrs-full_DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease" xlink:to="ifrs-full_DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Discounted unguaranteed residual value of assets subject to finance lease</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unguaranteed residual values</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FutureDrawdownsOnFinanceLease" xlink:label="nwg_FutureDrawdownsOnFinanceLease" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FutureDrawdownsOnFinanceLease" xlink:to="nwg_FutureDrawdownsOnFinanceLease_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FutureDrawdownsOnFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The future drawdowns is part of difference for a finance lease between: (a) the gross investment in the lease, and (b) the net investment in the lease.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FutureDrawdownsOnFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Future Drawdowns On Finance Lease</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_FutureDrawdownsOnFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Future drawdowns</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable" xlink:label="ifrs-full_UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable" xlink:to="ifrs-full_UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unearned finance income relating to finance lease payments receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unearned income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" xlink:label="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16" xlink:to="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of future minimum lease payments receivable under non-cancellable operating leases. Minimum lease payments are payments over the lease term that the lessee is or can be required to make, excluding contingent rent, costs for services and taxes to be paid by, and reimbursed to, the lessor, together with: (a) for a lessee, any amounts guaranteed by the lessee or by a party related to the lessee; or (b) for a lessor, any residual value guaranteed to the lessor by: (i) the lessee; (ii) a party related to the lessee; or (iii) a third party unrelated to the lessor that is financially capable of discharging the obligations under the guarantee.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Minimum Finance Lease Payments Receivable At Present Value IFRS 16</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_MinimumFinanceLeasePaymentsReceivableAtPresentValueIfrs16_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Present value of lease payments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LessorFinanceLeaseAccumulatedImpairmentLoss" xlink:label="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss" xlink:to="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of accumulated impairment loss on lessor finance leases.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lessor Finance Lease, Accumulated Impairment Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_LessorFinanceLeaseAccumulatedImpairmentLoss_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Impairments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_NetInvestmentInFinanceLease" xlink:label="ifrs-full_NetInvestmentInFinanceLease" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_NetInvestmentInFinanceLease" xlink:to="ifrs-full_NetInvestmentInFinanceLease_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_NetInvestmentInFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net investment in finance lease</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_NetInvestmentInFinanceLease_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net investment in finance lease</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TransportationUnderOperatingLeasesMember" xlink:label="nwg_TransportationUnderOperatingLeasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TransportationUnderOperatingLeasesMember" xlink:to="nwg_TransportationUnderOperatingLeasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TransportationUnderOperatingLeasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transportation Under Operating Leases [Member]
This member stands for a class of property, plant and equipment representing Transportation assets that are leased out under operating leases.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TransportationUnderOperatingLeasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transportation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember" xlink:label="nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember" xlink:to="nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a class of property, plant and equipment representing cars and light commercial vehicles assets that are leased out under operating leases.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CarsAndLightCommercialVehiclesUnderOperatingLeasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cars and light commercial vehicles</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherAssetsUnderOperatingLeasesMember" xlink:label="nwg_OtherAssetsUnderOperatingLeasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherAssetsUnderOperatingLeasesMember" xlink:to="nwg_OtherAssetsUnderOperatingLeasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherAssetsUnderOperatingLeasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a class of property, plant and equipment representing Other assets that are leased out under operating leases.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherAssetsUnderOperatingLeasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InvestmentPropertyMember" xlink:label="ifrs-full_InvestmentPropertyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InvestmentPropertyMember" xlink:to="ifrs-full_InvestmentPropertyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InvestmentPropertyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Investment properties</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xlink:label="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xlink:to="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Property, plant and equipment by operating lease status [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusMember" xlink:label="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusMember" xlink:to="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Property, plant and equipment by operating lease status [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xlink:label="ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xlink:to="ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Operating lease assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_RentalIncomeFromInvestmentProperty" xlink:label="ifrs-full_RentalIncomeFromInvestmentProperty" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_RentalIncomeFromInvestmentProperty" xlink:to="ifrs-full_RentalIncomeFromInvestmentProperty_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_RentalIncomeFromInvestmentProperty_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Rental income from investment property</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xlink:to="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of maturity analysis of operating lease payments [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xlink:to="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of maturity analysis of operating lease payments [line items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xlink:label="ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xlink:to="ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Undiscounted operating lease payments to be received</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount receivable under operating leases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesTable" xlink:label="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesTable" xlink:to="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of information about consolidated structured entities [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ConsolidatedStructuredEntitiesAxis" xlink:label="ifrs-full_ConsolidatedStructuredEntitiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ConsolidatedStructuredEntitiesAxis" xlink:to="ifrs-full_ConsolidatedStructuredEntitiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ConsolidatedStructuredEntitiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Consolidated structured entities [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForConsolidatedStructuredEntitiesMember" xlink:label="ifrs-full_EntitysTotalForConsolidatedStructuredEntitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForConsolidatedStructuredEntitiesMember" xlink:to="ifrs-full_EntitysTotalForConsolidatedStructuredEntitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForConsolidatedStructuredEntitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entitys Total For Consolidated Structured Entities [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ConsolidatedStructuredEntitiesMember" xlink:label="ifrs-full_ConsolidatedStructuredEntitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ConsolidatedStructuredEntitiesMember" xlink:to="ifrs-full_ConsolidatedStructuredEntitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ConsolidatedStructuredEntitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Consolidated structured entities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ThirdPartyMember" xlink:label="nwg_ThirdPartyMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ThirdPartyMember" xlink:to="nwg_ThirdPartyMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ThirdPartyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for third party.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ThirdPartyMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Held by Third party</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis" xlink:label="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis" xlink:to="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transferred financial assets that are not derecognised in their entirety [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionMember" xlink:label="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionMember" xlink:to="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Transferred financial assets that are not derecognised in their entirety [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherCreditRiskTransferSecuritisationsMember" xlink:label="nwg_OtherCreditRiskTransferSecuritisationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherCreditRiskTransferSecuritisationsMember" xlink:to="nwg_OtherCreditRiskTransferSecuritisationsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherCreditRiskTransferSecuritisationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for other credit risk transfer securitisations.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherCreditRiskTransferSecuritisationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other credit risk transfer securitisations</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CoveredBondProgrammeMember" xlink:label="nwg_CoveredBondProgrammeMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CoveredBondProgrammeMember" xlink:to="nwg_CoveredBondProgrammeMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CoveredBondProgrammeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for securitisations, under covered bond programme, where by risk and rewards are retained by the entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CoveredBondProgrammeMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Covered Bond Programme</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LendingOfOwnIssuedSecuritiesMember" xlink:label="nwg_LendingOfOwnIssuedSecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LendingOfOwnIssuedSecuritiesMember" xlink:to="nwg_LendingOfOwnIssuedSecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LendingOfOwnIssuedSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for lending of own issued securities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LendingOfOwnIssuedSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Lending of own issued securities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_SecuredDebtSecuritiesMember" xlink:label="nwg_SecuredDebtSecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_SecuredDebtSecuritiesMember" xlink:to="nwg_SecuredDebtSecuritiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_SecuredDebtSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Secured debt securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_SecuredDebtSecuritiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Secured</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesLineItems" xlink:label="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesLineItems" xlink:to="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of information about consolidated structured entities [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfInformationAboutConsolidatedStructuredEntitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Consolidated structured entities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ExpectedCreditRiskNonDefaultedAssets" xlink:label="nwg_ExpectedCreditRiskNonDefaultedAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ExpectedCreditRiskNonDefaultedAssets" xlink:to="nwg_ExpectedCreditRiskNonDefaultedAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ExpectedCreditRiskNonDefaultedAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of expected credit risk in relation to non-defaulted assets.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ExpectedCreditRiskNonDefaultedAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected Credit Risk, Non-Defaulted Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ExpectedCreditRiskNonDefaultedAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">ECL in relation to non-defaulted assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherBorrowings" xlink:label="ifrs-full_OtherBorrowings" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherBorrowings" xlink:to="ifrs-full_OtherBorrowings_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherBorrowings_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherBorrowings_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable" xlink:label="ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnconsolidatedStructuredEntitiesAxis" xlink:label="ifrs-full_UnconsolidatedStructuredEntitiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnconsolidatedStructuredEntitiesAxis" xlink:to="ifrs-full_UnconsolidatedStructuredEntitiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnconsolidatedStructuredEntitiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unconsolidated structured entities [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EntitysTotalForUnconsolidatedStructuredEntitiesMember" xlink:label="ifrs-full_EntitysTotalForUnconsolidatedStructuredEntitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EntitysTotalForUnconsolidatedStructuredEntitiesMember" xlink:to="ifrs-full_EntitysTotalForUnconsolidatedStructuredEntitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EntitysTotalForUnconsolidatedStructuredEntitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Entity's total for unconsolidated structured entities [member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_UnconsolidatedStructuredEntitiesMember" xlink:label="ifrs-full_UnconsolidatedStructuredEntitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_UnconsolidatedStructuredEntitiesMember" xlink:to="ifrs-full_UnconsolidatedStructuredEntitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_UnconsolidatedStructuredEntitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unconsolidated structured entities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SecuritisationVehiclesMember" xlink:label="ifrs-full_SecuritisationVehiclesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SecuritisationVehiclesMember" xlink:to="ifrs-full_SecuritisationVehiclesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SecuritisationVehiclesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Asset backed securitisation vehicles</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InvestmentFundsMember" xlink:label="ifrs-full_InvestmentFundsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InvestmentFundsMember" xlink:to="ifrs-full_InvestmentFundsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InvestmentFundsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Investment funds and other</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TradingAssetsAndDerivativesMember" xlink:label="nwg_TradingAssetsAndDerivativesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TradingAssetsAndDerivativesMember" xlink:to="nwg_TradingAssetsAndDerivativesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TradingAssetsAndDerivativesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets and derivatives</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TradingAssetsAndDerivativesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets and derivatives</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeAssetsMember" xlink:label="nwg_DerivativeAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativeAssetsMember" xlink:to="nwg_DerivativeAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativeAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativeAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeLiabilitiesMember" xlink:label="nwg_DerivativeLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativeLiabilitiesMember" xlink:to="nwg_DerivativeLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativeLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativeLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonTradingAssetsMember" xlink:label="nwg_NonTradingAssetsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonTradingAssetsMember" xlink:to="nwg_NonTradingAssetsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonTradingAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non trading assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonTradingAssetsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non trading assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansToCustomersMember" xlink:label="nwg_LoansToCustomersMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansToCustomersMember" xlink:to="nwg_LoansToCustomersMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansToCustomersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansToCustomersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xlink:label="ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xlink:to="ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of unconsolidated structured entities [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Unconsolidated structured entities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" xlink:label="ifrs-full_AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" xlink:to="ifrs-full_AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets recognised in entity's financial statements in relation to structured entities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AssetsRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets recognised related to structured entities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" xlink:label="ifrs-full_LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities" xlink:to="ifrs-full_LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities recognised in entity's financial statements in relation to structured entities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_LiabilitiesRecognisedInEntitysFinancialStatementsInRelationToStructuredEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities recognised related to structured entities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LiquidityFacilitiesLoanCommitments" xlink:label="nwg_LiquidityFacilitiesLoanCommitments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LiquidityFacilitiesLoanCommitments" xlink:to="nwg_LiquidityFacilitiesLoanCommitments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LiquidityFacilitiesLoanCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of liquidity facilities recognised in the entity's financial statements relating to its interests in structured entities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LiquidityFacilitiesLoanCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liquidity facilities/loan commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LiquidityFacilitiesLoanCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liquidity facilities/loan commitments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MaximumExposureToLossFromInterestsInStructuredEntities" xlink:label="ifrs-full_MaximumExposureToLossFromInterestsInStructuredEntities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MaximumExposureToLossFromInterestsInStructuredEntities" xlink:to="ifrs-full_MaximumExposureToLossFromInterestsInStructuredEntities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MaximumExposureToLossFromInterestsInStructuredEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum exposure to loss from interests in structured entities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_MaximumExposureToLossFromInterestsInStructuredEntities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum exposure</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionTable" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionTable" xlink:to="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of transferred financial assets that are not derecognised in their entirety [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_SecuritiesLendingMember" xlink:label="ifrs-full_SecuritiesLendingMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_SecuritiesLendingMember" xlink:to="ifrs-full_SecuritiesLendingMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_SecuritiesLendingMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities repurchase agreements or lending transactions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xlink:to="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of transferred financial assets that are not derecognised in their entirety [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Securities repurchase agreements or lending transactions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Asset transfers</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" xlink:label="ifrs-full_FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" xlink:to="ifrs-full_FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of transferred financial assets that are not derecognised in their entirety</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of transferred financial asset not derecognised</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FairValueOfAssociatedFinancialLiabilities" xlink:label="ifrs-full_FairValueOfAssociatedFinancialLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FairValueOfAssociatedFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of associated financial liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FairValueOfAssociatedFinancialLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value of associated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" xlink:label="ifrs-full_FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" xlink:to="ifrs-full_FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Financial assets pledged as collateral for liabilities or contingent liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Assets pledged against liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt" xlink:label="nwg_LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt" xlink:to="nwg_LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of loans to customers and debt instruments transferred to provide collateral for issue of debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LoansToCustomersAndDebtInstrumentsTransferredToProvideCollateralForIssueOfDebt_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to customers and debt instruments transferred to provide collateral for issue of debt</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets" xlink:label="nwg_DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets" xlink:to="nwg_DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities and other borrowings issued for which collateral is provided by transferred assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DebtSecuritiesAndOtherBorrowingsIssuedForWhichCollateralIsProvidedByTransferredAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities and other borrowings issued for which collateral is provided by transferred assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember" xlink:label="nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember" xlink:to="nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for debt securities in issue held by third parties.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DebtSecuritiesInIssueHeldByThirdPartiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities in issue held by third parties</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DebtSecuritiesInIssueHeldByGroupMember" xlink:label="nwg_DebtSecuritiesInIssueHeldByGroupMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DebtSecuritiesInIssueHeldByGroupMember" xlink:to="nwg_DebtSecuritiesInIssueHeldByGroupMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DebtSecuritiesInIssueHeldByGroupMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for debt securities in issue held by the Group.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DebtSecuritiesInIssueHeldByGroupMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Debt securities in issue held by the Group</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MortgagesRoiMember" xlink:label="nwg_MortgagesRoiMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MortgagesRoiMember" xlink:to="nwg_MortgagesRoiMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MortgagesRoiMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Mortgages - RoI.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MortgagesRoiMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Mortgages - RoI</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashDepositsMember" xlink:label="nwg_CashDepositsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashDepositsMember" xlink:to="nwg_CashDepositsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for cash deposits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashDepositsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash deposits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet" xlink:label="nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet" xlink:to="nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Aggregate amount of transferred assets that continue to be recorded on the Group's balance sheet, attributable to own-asset securitisations.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Own-asset securitisations, Transferred Assets Continued To Be Recorded On Group's Balance Sheet</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OwnAssetSecuritisationsTransferredAssetsContinuedToBeRecordedOnGroupSBalanceSheet_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalAbstract" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalAbstract" xlink:to="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of objectives, policies and processes for managing capital [abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalTable" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalTable" xlink:to="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of objectives, policies and processes for managing capital [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CapitalRequirementsAxis" xlink:label="ifrs-full_CapitalRequirementsAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CapitalRequirementsAxis" xlink:to="ifrs-full_CapitalRequirementsAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CapitalRequirementsAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital requirements [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CapitalRequirementsMember" xlink:label="ifrs-full_CapitalRequirementsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CapitalRequirementsMember" xlink:to="ifrs-full_CapitalRequirementsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CapitalRequirementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital requirements [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember" xlink:label="nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember" xlink:to="nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Group's capital resources under the Prudential Regulation Authority requirements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestGroupSCapitalResourcesUnderPrudentialRegulationAuthorityRequirementsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital resources under the Prudential Regulation Authority requirements [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalLineItems" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalLineItems" xlink:to="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of objectives, policies and processes for managing capital [line items]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ShareholdersEquityExcludingNonControllingInterestsAbstract" xlink:label="nwg_ShareholdersEquityExcludingNonControllingInterestsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ShareholdersEquityExcludingNonControllingInterestsAbstract" xlink:to="nwg_ShareholdersEquityExcludingNonControllingInterestsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ShareholdersEquityExcludingNonControllingInterestsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shareholders' equity (excluding non-controlling interests)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PreferenceAttributableToOwnersOfParent" xlink:label="nwg_PreferenceAttributableToOwnersOfParent" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PreferenceAttributableToOwnersOfParent" xlink:to="nwg_PreferenceAttributableToOwnersOfParent_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PreferenceAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of preference attributable to the owners of the parent. This specifically excludes non-controlling interest.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PreferenceAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preference attributable to owners of parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PreferenceAttributableToOwnersOfParent_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Preference shares - equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherEquityInterest" xlink:label="ifrs-full_OtherEquityInterest" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherEquityInterest" xlink:to="ifrs-full_OtherEquityInterest_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherEquityInterest_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other equity interest</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_OtherEquityInterest_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other equity instruments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments" xlink:label="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments" xlink:to="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of equity attributable to the owners of the parent excluding preference and other equity interest. This specifically excludes non-controlling interest.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share holders equity attributable to parent other than preference and other equity instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_ShareHoldersEquityAttributableToParentOtherThanPreferenceAndOtherEquityInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Shareholders' equity (excluding non-controlling interests)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RegulatoryAdjustmentsAndDeductionsAbstract" xlink:label="nwg_RegulatoryAdjustmentsAndDeductionsAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RegulatoryAdjustmentsAndDeductionsAbstract" xlink:to="nwg_RegulatoryAdjustmentsAndDeductionsAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RegulatoryAdjustmentsAndDeductionsAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Regulatory adjustments and deductions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OwnCredit" xlink:label="nwg_OwnCredit" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OwnCredit" xlink:to="nwg_OwnCredit_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OwnCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of own credit to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OwnCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Own Credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_OwnCredit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Own credit</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DefinedBenefitPensionFundAdjustment" xlink:label="nwg_DefinedBenefitPensionFundAdjustment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DefinedBenefitPensionFundAdjustment" xlink:to="nwg_DefinedBenefitPensionFundAdjustment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DefinedBenefitPensionFundAdjustment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of defined benefit pension fund (obligation) to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DefinedBenefitPensionFundAdjustment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Defined benefit pension fund adjustment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_DefinedBenefitPensionFundAdjustment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Defined benefit pension fund adjustment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowHedgingReserveAdjustmentToEquity" xlink:label="nwg_CashFlowHedgingReserveAdjustmentToEquity" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashFlowHedgingReserveAdjustmentToEquity" xlink:to="nwg_CashFlowHedgingReserveAdjustmentToEquity_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashFlowHedgingReserveAdjustmentToEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of cash flow hedging reserve adjustment to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashFlowHedgingReserveAdjustmentToEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash Flow Hedging Reserve Adjustment To Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_CashFlowHedgingReserveAdjustmentToEquity_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flow hedging reserve</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfDeferredTaxAssets" xlink:label="nwg_AdjustmentOfDeferredTaxAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentOfDeferredTaxAssets" xlink:to="nwg_AdjustmentOfDeferredTaxAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentOfDeferredTaxAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of deferred tax assets to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentOfDeferredTaxAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment of deferred tax assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentOfDeferredTaxAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Deferred tax assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfPrudentialValuation" xlink:label="nwg_AdjustmentOfPrudentialValuation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentOfPrudentialValuation" xlink:to="nwg_AdjustmentOfPrudentialValuation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentOfPrudentialValuation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of prudential valuation to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentOfPrudentialValuation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment of Prudential valuation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentOfPrudentialValuation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Prudential valuation adjustments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets" xlink:label="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets" xlink:to="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of goodwill and other intangible assets to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment of goodwill and other intangible assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentOfGoodwillAndOtherIntangibleAssets_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Goodwill and other intangible assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentForForeseeableOrdinaryDividends" xlink:label="nwg_AdjustmentForForeseeableOrdinaryDividends" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentForForeseeableOrdinaryDividends" xlink:to="nwg_AdjustmentForForeseeableOrdinaryDividends_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentForForeseeableOrdinaryDividends_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of foreseeable ordinary dividends to capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentForForeseeableOrdinaryDividends_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment for Foreseeable Ordinary Dividends</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentForForeseeableOrdinaryDividends_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreseeable ordinary dividends</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfForeseeableCharges" xlink:label="nwg_AdjustmentOfForeseeableCharges" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentOfForeseeableCharges" xlink:to="nwg_AdjustmentOfForeseeableCharges_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentOfForeseeableCharges_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment for foreseeable charges.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentOfForeseeableCharges_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment of Foreseeable Charges</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentOfForeseeableCharges_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreseeable charges</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForForeseeablePensionContributions" xlink:label="nwg_AdjustmentsForForeseeablePensionContributions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentsForForeseeablePensionContributions" xlink:to="nwg_AdjustmentsForForeseeablePensionContributions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForForeseeablePensionContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of foreseeable pension contributions to capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForForeseeablePensionContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for Foreseeable Pension Contributions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentsForForeseeablePensionContributions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Foreseeable pension contributions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentUnderIfrs9TransitionalArrangements" xlink:label="nwg_AdjustmentUnderIfrs9TransitionalArrangements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentUnderIfrs9TransitionalArrangements" xlink:to="nwg_AdjustmentUnderIfrs9TransitionalArrangements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentUnderIfrs9TransitionalArrangements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment under IFRS 9 transitional arrangements.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentUnderIfrs9TransitionalArrangements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment under IFRS 9 Transitional Arrangements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AdjustmentUnderIfrs9TransitionalArrangements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment under IFRS 9 transitional arrangements</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentOfOtherRegulatoryRequirements" xlink:label="nwg_AdjustmentOfOtherRegulatoryRequirements" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentOfOtherRegulatoryRequirements" xlink:to="nwg_AdjustmentOfOtherRegulatoryRequirements_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentOfOtherRegulatoryRequirements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of adjustment of other regulatory requirements to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentOfOtherRegulatoryRequirements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustment of other regulatory requirements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_AdjustmentOfOtherRegulatoryRequirements_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other regulatory adjustments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalAdjustmentsAndDeductionsToEquityCapital" xlink:label="nwg_TotalAdjustmentsAndDeductionsToEquityCapital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TotalAdjustmentsAndDeductionsToEquityCapital" xlink:to="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of total regulatory adjustments and deductions to equity capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total adjustments and deductions to equity capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_TotalAdjustmentsAndDeductionsToEquityCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total regulatory adjustments and deductions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CapitalEquityTier1Cet1Capital" xlink:label="nwg_CapitalEquityTier1Cet1Capital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CapitalEquityTier1Cet1Capital" xlink:to="nwg_CapitalEquityTier1Cet1Capital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CapitalEquityTier1Cet1Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of capital equity tier 1 (CET1) capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CapitalEquityTier1Cet1Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital Equity Tier 1 (CET1) Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_CapitalEquityTier1Cet1Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">CET1 capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTier1At1CapitalAbstract" xlink:label="nwg_AdditionalTier1At1CapitalAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTier1At1CapitalAbstract" xlink:to="nwg_AdditionalTier1At1CapitalAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTier1At1CapitalAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTier1At1CapitalAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional Tier 1 (AT1) capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EligibleAdditionalTierOne" xlink:label="nwg_EligibleAdditionalTierOne" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EligibleAdditionalTierOne" xlink:to="nwg_EligibleAdditionalTierOne_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EligibleAdditionalTierOne_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of eligible additional tier one (AT1) capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EligibleAdditionalTierOne_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Eligible additional tier one</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_EligibleAdditionalTierOne_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments and related share premium</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut" xlink:to="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of additions of qualifying instruments and related share premium subject to phased out manner to tier 1 capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments and related share premium subject to phase out</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremiumSubjectToPhaseOut_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments and related share premium subject to phase out</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties" xlink:to="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of additions of qualifying instruments issued by subsidiaries and held by third parties to tier 1 capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments issued by subsidiaries and held by third parties</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdParties_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments issued by subsidiaries and held by third parties subject to phase out</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdditionalTierOneCapital" xlink:label="nwg_AdditionalTierOneCapital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdditionalTierOneCapital" xlink:to="nwg_AdditionalTierOneCapital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdditionalTierOneCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of additional tier one (AT1) capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdditionalTierOneCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional tier one capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_AdditionalTierOneCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">AT1 capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Tier1Capital" xlink:label="nwg_Tier1Capital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Tier1Capital" xlink:to="nwg_Tier1Capital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Tier1Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of tier 1 Capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Tier1Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tier 1 Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_Tier1Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tier 1 capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingTier2CapitalAbstract" xlink:label="nwg_QualifyingTier2CapitalAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_QualifyingTier2CapitalAbstract" xlink:to="nwg_QualifyingTier2CapitalAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_QualifyingTier2CapitalAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_QualifyingTier2CapitalAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying Tier 2 capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsAndRelatedSharePremium" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremium" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_QualifyingInstrumentsAndRelatedSharePremium" xlink:to="nwg_QualifyingInstrumentsAndRelatedSharePremium_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremium_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of additions of qualifying instruments and related share premium to tier 2 capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremium_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments and related share premium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_QualifyingInstrumentsAndRelatedSharePremium_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments and related share premium</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital" xlink:to="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of additions of qualifying instruments issued by subsidiaries and held by third parties to tier 2 capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments issued by subsidiaries and held by third parties for tier 2 capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_QualifyingInstrumentsIssuedBySubsidiariesAndHeldByThirdPartiesForTier2Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Qualifying instruments issued by subsidiaries and held by third parties</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherRegulatoryAdjustments" xlink:label="nwg_OtherRegulatoryAdjustments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherRegulatoryAdjustments" xlink:to="nwg_OtherRegulatoryAdjustments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherRegulatoryAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other regulatory adjustments added to tier 2 capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherRegulatoryAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Regulatory Adjustments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherRegulatoryAdjustments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other regulatory adjustments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Tier2Capital" xlink:label="nwg_Tier2Capital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Tier2Capital" xlink:to="nwg_Tier2Capital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Tier2Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of tier 2 Capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Tier2Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tier 2 Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_Tier2Capital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tier 2 capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TotalRegulatoryCapital" xlink:label="nwg_TotalRegulatoryCapital" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TotalRegulatoryCapital" xlink:to="nwg_TotalRegulatoryCapital_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TotalRegulatoryCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of total regulatory capital which includes both tier one and tier two capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TotalRegulatoryCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total regulatory capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_TotalRegulatoryCapital_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total regulatory capital</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PillarOneCapitalRatioPra" xlink:label="nwg_PillarOneCapitalRatioPra" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PillarOneCapitalRatioPra" xlink:to="nwg_PillarOneCapitalRatioPra_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PillarOneCapitalRatioPra_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total pillar one capital divided by risk weighted assets defined in the prudential regulatory authority (PRA).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PillarOneCapitalRatioPra_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Pillar one capital ratio, PRA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PillarOneCapitalRatioPra_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Minimum pillar 1 capital ratio</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TierOneComponentRatioPra" xlink:label="nwg_TierOneComponentRatioPra" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TierOneComponentRatioPra" xlink:to="nwg_TierOneComponentRatioPra_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TierOneComponentRatioPra_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total tier one capital divided by risk weighted assets as defined in the prudential regulatory authority (PRA).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TierOneComponentRatioPra_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tier one component ratio, PRA</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_TierOneComponentRatioPra_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Minimum tier 1 component ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfContingentLiabilitiesTable" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfContingentLiabilitiesTable" xlink:to="ifrs-full_DisclosureOfContingentLiabilitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of contingent liabilities [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfContingentLiabilitiesAxis" xlink:label="ifrs-full_ClassesOfContingentLiabilitiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfContingentLiabilitiesAxis" xlink:to="ifrs-full_ClassesOfContingentLiabilitiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfContingentLiabilitiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of contingent liabilities [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContingentLiabilityForGuaranteesMember" xlink:label="ifrs-full_ContingentLiabilityForGuaranteesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ContingentLiabilityForGuaranteesMember" xlink:to="ifrs-full_ContingentLiabilityForGuaranteesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContingentLiabilityForGuaranteesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The Financial Services Compensation Scheme</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_OtherContingentLiabilitiesMember" xlink:label="ifrs-full_OtherContingentLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_OtherContingentLiabilitiesMember" xlink:to="ifrs-full_OtherContingentLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_OtherContingentLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other contingent liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xlink:to="ifrs-full_DisclosureOfContingentLiabilitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of contingent liabilities [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contingent liabilities and commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfContingentLiabilitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Litigation, investigations and reviews</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xlink:label="ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xlink:to="ifrs-full_EstimatedFinancialEffectOfContingentLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_EstimatedFinancialEffectOfContingentLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Estimated financial effect of contingent liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_EstimatedFinancialEffectOfContingentLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Estimated net exposure</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_StandbyFacilitiesCreditLinesAndOtherCommitments" xlink:label="nwg_StandbyFacilitiesCreditLinesAndOtherCommitments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_StandbyFacilitiesCreditLinesAndOtherCommitments" xlink:to="nwg_StandbyFacilitiesCreditLinesAndOtherCommitments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_StandbyFacilitiesCreditLinesAndOtherCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of standby facilities, credit lines and other commitments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_StandbyFacilitiesCreditLinesAndOtherCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Standby Facilities Credit Lines And Other Commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_StandbyFacilitiesCreditLinesAndOtherCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Standby facilities, credit lines and other commitments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfCapitalCommitmentsTable" xlink:label="nwg_DisclosureOfCapitalCommitmentsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfCapitalCommitmentsTable" xlink:to="nwg_DisclosureOfCapitalCommitmentsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfCapitalCommitmentsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Schedule disclosing information related to capital commitments..</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfCapitalCommitmentsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Capital Commitments [Table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DisclosureOfCapitalCommitmentsLineItems" xlink:label="nwg_DisclosureOfCapitalCommitmentsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DisclosureOfCapitalCommitmentsLineItems" xlink:to="nwg_DisclosureOfCapitalCommitmentsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DisclosureOfCapitalCommitmentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DisclosureOfCapitalCommitmentsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure Of Capital Commitments [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment" xlink:label="ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment" xlink:to="ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital Expenditure On Property Plant And Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ContractualCommitmentsForAcquisitionOfPropertyPlantAndEquipment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital expenditure on property, plant and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ContractualCapitalCommitments" xlink:label="ifrs-full_ContractualCapitalCommitments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ContractualCapitalCommitments" xlink:to="ifrs-full_ContractualCapitalCommitments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ContractualCapitalCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contractual capital commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_ContractualCapitalCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Contracts to purchase goods or services</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CapitalCommitments" xlink:label="ifrs-full_CapitalCommitments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CapitalCommitments" xlink:to="ifrs-full_CapitalCommitments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CapitalCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Capital commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_CapitalCommitments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total capital commitments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LegalProceedingsContingentLiabilityMember" xlink:label="ifrs-full_LegalProceedingsContingentLiabilityMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LegalProceedingsContingentLiabilityMember" xlink:to="ifrs-full_LegalProceedingsContingentLiabilityMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LegalProceedingsContingentLiabilityMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Litigation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegalProceedingsUsResidentialMortgageBackedSecuritiesLitigationMember" xlink:label="nwg_LegalProceedingsUsResidentialMortgageBackedSecuritiesLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingsUsResidentialMortgageBackedSecuritiesLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings US Residential mortgage-backed securities litigation.</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingsNomuraHoldingAmericaIncAndSubsidiariesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings US Residential mortgage-backed securities litigation issued by Nomura Holding America Inc. and Subsidiaries.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingsNomuraHoldingAmericaIncAndSubsidiariesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Residential mortgage-backed securities (RMBS) litigation in the US, issued by Nomura Holding America Inc and subsidiaries</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegalProceedingLondonInterbankOfferedRateMember" xlink:label="nwg_LegalProceedingLondonInterbankOfferedRateMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingLondonInterbankOfferedRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings London Interbank Offered Rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingLondonInterbankOfferedRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">London Interbank Offered Rate (LIBOR)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingYenLondonInterbankOfferedRateAndEuroyenTokyoInterbankOfferedRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings Yen London Interbank Offered Rate and Euroyen Tokyo Interbank Offered Rate.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingYenLondonInterbankOfferedRateAndEuroyenTokyoInterbankOfferedRateMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">JPY LIBOR and Euroyen TIBOR</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherLiborCasesMember" xlink:label="nwg_OtherLiborCasesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherLiborCasesMember" xlink:to="nwg_OtherLiborCasesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherLiborCasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other LIBOR cases, where the specific reference rate is not disclosed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherLiborCasesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other LIBOR cases</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegalProceedingFxAntitrustLitigationMember" xlink:label="nwg_LegalProceedingFxAntitrustLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LegalProceedingFxAntitrustLitigationMember" xlink:to="nwg_LegalProceedingFxAntitrustLitigationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingFxAntitrustLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings FX antitrust litigation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingFxAntitrustLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">FX antitrust litigation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FederalCourtOfAustraliaFxAntitrustLitigationMember" xlink:label="nwg_FederalCourtOfAustraliaFxAntitrustLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FederalCourtOfAustraliaFxAntitrustLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Federal Court of Australia FX antitrust litigation</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UkCompetitionAppealTribunalMember" xlink:label="nwg_UkCompetitionAppealTribunalMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UkCompetitionAppealTribunalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK Competition Appeal Tribunal</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UkCompetitionAppealTribunalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK Competition Appeal Tribunal</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember" xlink:label="nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tel Aviv District Court FX antitrust litigations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TelAvivDistrictCourtFxAntitrustLitigationsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Tel Aviv District Court FX antitrust litigations</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember" xlink:label="nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember" xlink:to="nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings interest rate swaps antitrust litigation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingInterestRateSwapsAntitrustLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Swaps antitrust litigation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegalProceedingSpoofingLitigationMember" xlink:label="nwg_LegalProceedingSpoofingLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LegalProceedingSpoofingLitigationMember" xlink:to="nwg_LegalProceedingSpoofingLitigationMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingSpoofingLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings spoofing litigation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingSpoofingLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Spoofing litigation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegalProceedingMadoffLitigationMember" xlink:label="nwg_LegalProceedingMadoffLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingMadoffLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a contingent liability for legal proceedings Madoff litigation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingMadoffLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Madoff</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EuaTradingLitigationMember" xlink:label="nwg_EuaTradingLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OffshoringVatAssessmentsMember" xlink:label="nwg_OffshoringVatAssessmentsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OffshoringVatAssessmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents information pertaining to Offshoring VAT assessments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OffshoringVatAssessmentsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Offshoring VAT assessments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LegalProceedingsMoneyLaunderingRegulationLitigationMember" xlink:label="nwg_LegalProceedingsMoneyLaunderingRegulationLitigationMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LegalProceedingsMoneyLaunderingRegulationLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member represents legal proceedsings money laundering regulation litigation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LegalProceedingsMoneyLaunderingRegulationLitigationMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Legal proceedings money laundering regulation litigation</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InvestigationAuthoritiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</label>
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ForeignExchangeRelatedInvestigationsMember" xlink:label="nwg_ForeignExchangeRelatedInvestigationsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ForeignExchangeRelatedInvestigationsMember" xlink:to="nwg_ForeignExchangeRelatedInvestigationsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember" xlink:label="nwg_UsInvestigationsRelatingToFixedIncomeSecuritiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LitigationAndRegulatoryMattersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member represents litigation and regulatory matters.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LitigationAndRegulatoryMattersMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Litigation and regulatory matters</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NewJerseyCarpentersHealthFundMember" xlink:label="nwg_NewJerseyCarpentersHealthFundMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NewJerseyCarpentersHealthFundMember" xlink:to="nwg_NewJerseyCarpentersHealthFundMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NewJerseyCarpentersHealthFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">New Jersey Carpenters Health Fund</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NewJerseyCarpentersHealthFundMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">New Jersey Carpenters Health Fund</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_HmrcMember" xlink:label="nwg_HmrcMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_HmrcMember" xlink:to="nwg_HmrcMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_HmrcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">HMRC</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_HmrcMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">HMRC</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NatwestMarketsSecuritiesInc.Member" xlink:label="nwg_NatwestMarketsSecuritiesInc.Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NatwestMarketsSecuritiesInc.Member" xlink:to="nwg_NatwestMarketsSecuritiesInc.Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NatwestMarketsSecuritiesInc.Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NatWest Markets Securities Inc.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NatwestMarketsSecuritiesInc.Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">NWMSI</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AgreedSettlementAmount" xlink:label="nwg_AgreedSettlementAmount" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AgreedSettlementAmount" xlink:to="nwg_AgreedSettlementAmount_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AgreedSettlementAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The agreed settlement amount in a litigation or other court case</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AgreedSettlementAmount_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Agreed settlement amount</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_TrusteeAndOtherFiduciaryActivitiesAbstract" xlink:label="nwg_TrusteeAndOtherFiduciaryActivitiesAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_TrusteeAndOtherFiduciaryActivitiesAbstract" xlink:to="nwg_TrusteeAndOtherFiduciaryActivitiesAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_TrusteeAndOtherFiduciaryActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_TrusteeAndOtherFiduciaryActivitiesAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trustee and other fiduciary activities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FeeIncomeEarnedFromFiduciaryActivities" xlink:label="nwg_FeeIncomeEarnedFromFiduciaryActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FeeIncomeEarnedFromFiduciaryActivities" xlink:to="nwg_FeeIncomeEarnedFromFiduciaryActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FeeIncomeEarnedFromFiduciaryActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fee income earned from fiduciary activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FeeIncomeEarnedFromFiduciaryActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fee Income Earned From Fiduciary Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FeeIncomeEarnedFromFiduciaryActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fee income</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_Uk2008RightsIssueShareholderLitigationAbstract" xlink:label="nwg_Uk2008RightsIssueShareholderLitigationAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_Uk2008RightsIssueShareholderLitigationAbstract" xlink:to="nwg_Uk2008RightsIssueShareholderLitigationAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_Uk2008RightsIssueShareholderLitigationAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">n/a</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_Uk2008RightsIssueShareholderLitigationAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">UK 2008 rights issue shareholder litigation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LitigationSettlementPaid" xlink:label="nwg_LitigationSettlementPaid" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LitigationSettlementPaid" xlink:to="nwg_LitigationSettlementPaid_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LitigationSettlementPaid_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of cash outflow reducing the contingent liability.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LitigationSettlementPaid_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Litigation Settlement Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="nwg_LitigationSettlementPaid_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Settlement amount paid</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfNonClassAction" xlink:label="nwg_NumberOfNonClassAction" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfNonClassAction" xlink:to="nwg_NumberOfNonClassAction_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfNonClassAction_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of non-class action.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfNonClassAction_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Non-class Action</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfNonClassAction_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of non-class action</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfFailedUsBanksServedClaim" xlink:label="nwg_NumberOfFailedUsBanksServedClaim" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfFailedUsBanksServedClaim" xlink:to="nwg_NumberOfFailedUsBanksServedClaim_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfFailedUsBanksServedClaim_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of failed US banks on behalf of these US Federal Deposit Insurance Corporation served claim.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfFailedUsBanksServedClaim_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Failed US Banks Served Claim</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfFailedUsBanksServedClaim_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of failed US banks</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfClassActionLawsuits" xlink:label="nwg_NumberOfClassActionLawsuits" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfClassActionLawsuits" xlink:to="nwg_NumberOfClassActionLawsuits_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfClassActionLawsuits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of class action lawsuits in a legal case.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfClassActionLawsuits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of class action lawsuits</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation" xlink:label="nwg_NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation" xlink:to="nwg_NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of other parties that are subject to lawsuit or legal investigation, excluding the reporting entity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfOtherPartiesSubjectToLawsuitOrLegalInvestigation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of other parties subject to lawsuit or legal investigation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumerOfMotionsToCertifyFxRelatedClassActions" xlink:label="nwg_NumerOfMotionsToCertifyFxRelatedClassActions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumerOfMotionsToCertifyFxRelatedClassActions" xlink:to="nwg_NumerOfMotionsToCertifyFxRelatedClassActions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumerOfMotionsToCertifyFxRelatedClassActions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of motions filed to certify foreign currency related class action lawsuits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumerOfMotionsToCertifyFxRelatedClassActions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Numer of motions to certify FX-related class actions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumerOfMotionsToCertifyFxRelatedClassActions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of motions to certify FX-related class actions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfPendingMotions" xlink:label="nwg_NumberOfPendingMotions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfPendingMotions" xlink:to="nwg_NumberOfPendingMotions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfPendingMotions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of pending motions in a legal case</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfPendingMotions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of pending motions</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AmountOfLegalClaim" xlink:label="nwg_AmountOfLegalClaim" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AmountOfLegalClaim" xlink:to="nwg_AmountOfLegalClaim_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AmountOfLegalClaim_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount claimed by plaintiff in legal matter.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AmountOfLegalClaim_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount Of Legal Claim</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AmountOfLegalClaim_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Damages claimed</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AmountOfLegalClaimQuantifiedToAppeal" xlink:label="nwg_AmountOfLegalClaimQuantifiedToAppeal" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AmountOfLegalClaimQuantifiedToAppeal" xlink:to="nwg_AmountOfLegalClaimQuantifiedToAppeal_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AmountOfLegalClaimQuantifiedToAppeal_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of legal claim quantified by High court appeal to the court of appeal.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AmountOfLegalClaimQuantifiedToAppeal_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount Of Legal Claim Quantified to Appeal</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AmountOfLegalClaimQuantifiedToAppeal_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Damages quantified</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfSwapExecutionFacilities" xlink:label="nwg_NumberOfSwapExecutionFacilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfSwapExecutionFacilities" xlink:to="nwg_NumberOfSwapExecutionFacilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfSwapExecutionFacilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of swap execution facilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfSwapExecutionFacilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Swap Execution Facilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfSwapExecutionFacilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of swap execution facilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MaximumTotalTransactionValue" xlink:label="nwg_MaximumTotalTransactionValue" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MaximumTotalTransactionValue" xlink:to="nwg_MaximumTotalTransactionValue_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MaximumTotalTransactionValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of total transaction value .</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MaximumTotalTransactionValue_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maximum Total Transaction Value</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfApplicationsForOptOutCollectiveProceedings" xlink:label="nwg_NumberOfApplicationsForOptOutCollectiveProceedings" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfApplicationsForOptOutCollectiveProceedings" xlink:to="nwg_NumberOfApplicationsForOptOutCollectiveProceedings_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfApplicationsForOptOutCollectiveProceedings_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of applications for opt-out collective proceedings.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfApplicationsForOptOutCollectiveProceedings_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of applications for opt-out collective proceedings</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UnpaidVatAfterTaxAssessmentAmountClaimed" xlink:label="nwg_UnpaidVatAfterTaxAssessmentAmountClaimed" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UnpaidVatAfterTaxAssessmentAmountClaimed" xlink:to="nwg_UnpaidVatAfterTaxAssessmentAmountClaimed_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UnpaidVatAfterTaxAssessmentAmountClaimed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of VAT that the counterparty claims that the entity is liable to pay after the tax assessment.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UnpaidVatAfterTaxAssessmentAmountClaimed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Claimed unpaid VAT after tax assessment</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PaymentsForValueAddedTaxAssessments" xlink:label="nwg_PaymentsForValueAddedTaxAssessments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PaymentsForValueAddedTaxAssessments" xlink:to="nwg_PaymentsForValueAddedTaxAssessments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PaymentsForValueAddedTaxAssessments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of payments made for value added tax assessments.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PaymentsForValueAddedTaxAssessments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Payments For Value Added Tax Assessments</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IfrsLossContingencyNumberOfPlaintiffs" xlink:label="nwg_IfrsLossContingencyNumberOfPlaintiffs" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IfrsLossContingencyNumberOfPlaintiffs" xlink:to="nwg_IfrsLossContingencyNumberOfPlaintiffs_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IfrsLossContingencyNumberOfPlaintiffs_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of plaintiffs that have filed claims pertaining to a loss contingency.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IfrsLossContingencyNumberOfPlaintiffs_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ifrs Loss Contingency, Number of Plaintiffs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IfrsLossContingencyNumberOfPlaintiffs_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of claimants</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FinesReceived" xlink:label="nwg_FinesReceived" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FinesReceived" xlink:to="nwg_FinesReceived_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FinesReceived_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of fines received</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FinesReceived_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fines received</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfYearsProbation" xlink:label="nwg_NumberOfYearsProbation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfYearsProbation" xlink:to="nwg_NumberOfYearsProbation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfYearsProbation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of years probation.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfYearsProbation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Years Probation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfYearsProbation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of years probation</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfWireFraud" xlink:label="nwg_NumberOfWireFraud" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfWireFraud" xlink:to="nwg_NumberOfWireFraud_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfWireFraud_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of wire fraud.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfWireFraud_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Wire Fraud</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfWireFraud_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of wire fraud</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfSecuritiesFrauds" xlink:label="nwg_NumberOfSecuritiesFrauds" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfSecuritiesFrauds" xlink:to="nwg_NumberOfSecuritiesFrauds_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfSecuritiesFrauds_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The number of securities frauds.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfSecuritiesFrauds_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number Of Securities Frauds</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfSecuritiesFrauds_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of securities frauds</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LossContingencyPenaltyPaidAmountCriminalFines" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalFines" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LossContingencyPenaltyPaidAmountCriminalFines" xlink:to="nwg_LossContingencyPenaltyPaidAmountCriminalFines_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalFines_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of penalty paid for criminal fines in the legal matter.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalFines_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss Contingency, Penalty Paid Amount, Criminal Fines</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalFines_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Penalty paid for criminal fines</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture" xlink:to="nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of penalty paid for criminal forfeiture in the legal matter.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss Contingency, Penalty Paid Amount, Criminal Forfeiture</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LossContingencyPenaltyPaidAmountCriminalForfeiture_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Penalty paid for criminal forfeiture</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_LossContingencyPenaltyPaidAmountRestitution" xlink:label="nwg_LossContingencyPenaltyPaidAmountRestitution" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_LossContingencyPenaltyPaidAmountRestitution" xlink:to="nwg_LossContingencyPenaltyPaidAmountRestitution_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_LossContingencyPenaltyPaidAmountRestitution_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amount of penalty paid for restitution in the legal matter.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_LossContingencyPenaltyPaidAmountRestitution_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss Contingency, Penalty Paid Amount, Restitution</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_LossContingencyPenaltyPaidAmountRestitution_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Penalty paid for restitution</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:label="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:to="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fair value given for businesses acquired</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchaseOfInterestsInAssociates" xlink:label="ifrs-full_PurchaseOfInterestsInAssociates" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PurchaseOfInterestsInAssociates" xlink:to="ifrs-full_PurchaseOfInterestsInAssociates_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PurchaseOfInterestsInAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchase of interests in associates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_PurchaseOfInterestsInAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Additional investment in associates</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowFromNetAssetsLiabilitiesPurchased" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesPurchased" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashFlowFromNetAssetsLiabilitiesPurchased" xlink:to="nwg_CashFlowFromNetAssetsLiabilitiesPurchased_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash flows from net assets/liabilities purchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flow from net assets/liabilities purchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesPurchased_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net assets/liabilities purchased</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetOutflowOfCashInRespectOfAcquisitions" xlink:label="nwg_NetOutflowOfCashInRespectOfAcquisitions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetOutflowOfCashInRespectOfAcquisitions" xlink:to="nwg_NetOutflowOfCashInRespectOfAcquisitions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetOutflowOfCashInRespectOfAcquisitions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The net outflow of cash in respect of acquisitions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetOutflowOfCashInRespectOfAcquisitions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net outflow of cash in respect of acquisitions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_NetOutflowOfCashInRespectOfAcquisitions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net outflow of cash in respect of acquisitions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromSalesOfInterestsInAssociates" xlink:label="ifrs-full_ProceedsFromSalesOfInterestsInAssociates" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProceedsFromSalesOfInterestsInAssociates" xlink:to="ifrs-full_ProceedsFromSalesOfInterestsInAssociates_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProceedsFromSalesOfInterestsInAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds from sales of interests in associates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_ProceedsFromSalesOfInterestsInAssociates_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Sale of interests in associates</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashFlowFromNetAssetsLiabilitiesDisposed" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesDisposed" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashFlowFromNetAssetsLiabilitiesDisposed" xlink:to="nwg_CashFlowFromNetAssetsLiabilitiesDisposed_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesDisposed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash flows from net assets/liabilities disposed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesDisposed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash flow from net assets/liabilities disposed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CashFlowFromNetAssetsLiabilitiesDisposed_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net assets/liabilities disposed</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities" xlink:label="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities" xlink:to="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash inflow (outflow) relating to profit (loss) on disposals of investments in subsidiaries, joint ventures and associates.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Adjustments for gain (loss) on disposal of investments in subsidiaries joint ventures and associates, cash flow investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_AdjustmentsForGainLossOnDisposalOfInvestmentsInSubsidiariesJointVenturesAndAssociatesCashFlowInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Profit on disposal</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NetInflowOfCashInRespectOfDisposals" xlink:label="nwg_NetInflowOfCashInRespectOfDisposals" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NetInflowOfCashInRespectOfDisposals" xlink:to="nwg_NetInflowOfCashInRespectOfDisposals_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NetInflowOfCashInRespectOfDisposals_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The net inflow of cash in respect of disposals</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NetInflowOfCashInRespectOfDisposals_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net inflow of cash in respect of disposals</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="nwg_NetInflowOfCashInRespectOfDisposals_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Net inflow of cash in respect of disposals</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:label="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:to="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Purchase of intangible assets, classified as investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash expenditure on intangible assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember" xlink:label="nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember" xlink:to="nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for a component of equity representing share capital, share premium, paid-in equity and merger reserves.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ShareCapitalSharePremiumPaidInEquityAndMergerReserveMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share capital, share premium, paid-in equity and merger reserve</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ClassesOfOrdinarySharesAxis" xlink:label="ifrs-full_ClassesOfOrdinarySharesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ClassesOfOrdinarySharesAxis" xlink:to="ifrs-full_ClassesOfOrdinarySharesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ClassesOfOrdinarySharesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Classes of ordinary shares [axis]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_EmployeeShareSchemesMember" xlink:label="nwg_EmployeeShareSchemesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_EmployeeShareSchemesMember" xlink:to="nwg_EmployeeShareSchemesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_EmployeeShareSchemesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for equity instruments relating to employee share schemes.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_EmployeeShareSchemesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Employee share schemes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProceedsFromIssueOfOrdinaryShares" xlink:label="ifrs-full_ProceedsFromIssueOfOrdinaryShares" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProceedsFromIssueOfOrdinaryShares" xlink:to="ifrs-full_ProceedsFromIssueOfOrdinaryShares_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProceedsFromIssueOfOrdinaryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds from issue of ordinary shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProceedsFromIssueOfOrdinaryShares_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Ordinary shares issued</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" xlink:label="ifrs-full_IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" xlink:to="ifrs-full_IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through effect of changes in foreign exchange rates, liabilities arising from financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Effects of foreign exchange</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities" xlink:label="nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities" xlink:to="nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The increase (decrease) in liabilities arising from financing activities resulting from reclassifications.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) Through Reclassifications, Liabilities Arising From Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseThroughReclassificationsLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Paid in equity reclassified to subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesTable" xlink:label="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesTable" xlink:to="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of reconciliation of liabilities arising from financing activities [table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis" xlink:to="ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivitiesAxis_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities arising from financing activities [axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LiabilitiesArisingFromFinancingActivitiesMember" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LiabilitiesArisingFromFinancingActivitiesMember" xlink:to="ifrs-full_LiabilitiesArisingFromFinancingActivitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities arising from financing activities [member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember" xlink:label="nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember" xlink:to="nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Minimum Requirement For Own Funds And Eligible Liabilities (MREL).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_MinimumRequirementForOwnFundsAndEligibleLiabilitiesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">MREL</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesLineItems" xlink:label="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesLineItems" xlink:to="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of reconciliation of liabilities arising from financing activities [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of changes in financing during the year</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_LiabilitiesArisingFromFinancingActivities" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_LiabilitiesArisingFromFinancingActivities" xlink:to="ifrs-full_LiabilitiesArisingFromFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Liabilities arising from financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 31 December</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="ifrs-full_LiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">At 1 January</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_InterestPaidClassifiedAsFinancingActivities" xlink:label="ifrs-full_InterestPaidClassifiedAsFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_InterestPaidClassifiedAsFinancingActivities" xlink:to="ifrs-full_InterestPaidClassifiedAsFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_InterestPaidClassifiedAsFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest paid, classified as financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="ifrs-full_InterestPaidClassifiedAsFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest on subordinated liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:label="nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:to="nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash inflow from the issuing of Minimum requirement for own funds and eligible liabilities (MREL).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proceeds From Issuance Of Minimum Requirement For Own Funds And Eligible Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ProceedsFromIssuanceOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Issue of MRELs</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:label="nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:to="nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash outflow for repayments and maturities of Minimum requirement for own funds and eligible liabilities (MREL).</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Repayments And Maturities Of Minimum Requirement For Own Funds And Eligible Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="nwg_RepaymentsAndMaturitiesOfMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Maturity/redemption of MRELs</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:label="nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities" xlink:to="nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The cash outflow for interest paid on Minimum requirement for own funds and eligible liabilities (MREL), classified as financing activities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest Paid On Minimum Requirement For Own Funds And Eligible Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="nwg_InterestPaidOnMinimumRequirementForOwnFundsAndEligibleLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest on MRELs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" xlink:label="ifrs-full_IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" xlink:to="ifrs-full_IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through changes in fair values, liabilities arising from financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Changes in fair value of subordinated liabilities and MRELs</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities" xlink:label="nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities" xlink:to="nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The increase (decrease) in liabilities arising from financing activities resulting from recognition of profit (loss) on sale of such liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (Decrease) Through Profit (Loss) On Sale Of Liabilities Arising From Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_IncreaseDecreaseThroughProfitLossOnSaleOfLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loss on sale of subordinated liabilities and MRELs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" xlink:label="ifrs-full_IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" xlink:to="ifrs-full_IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Increase (decrease) through financing cash flows, liabilities arising from financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Interest on subordinated liabilities and MRELs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOffsettingOfFinancialAssetsTable" xlink:label="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsTable" xlink:to="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of offsetting of financial assets [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember" xlink:label="nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember" xlink:to="nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Royal Bank of Scotland International (Holdings) Limited</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Royal Bank of Scotland International (Holdings) Limited [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_RoyalBankOfScotlandInternationalHoldingsLimitedMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Royal Bank of Scotland International (Holdings) Limited</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfOffsettingOfFinancialAssetsLineItems" xlink:label="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsLineItems" xlink:to="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of offsetting of financial assets [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="ifrs-full_DisclosureOfOffsettingOfFinancialAssetsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Analysis of cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_Cash" xlink:label="ifrs-full_Cash" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_Cash" xlink:to="ifrs-full_Cash_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_Cash_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashEquivalents" xlink:label="ifrs-full_CashEquivalents" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashEquivalents" xlink:to="ifrs-full_CashEquivalents_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash equivalents</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" xlink:label="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents" xlink:to="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of derivative financial assets held for trading, classified as cash equivalents.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Derivative Financial Assets Held For Trading, Classified As Cash Equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_DerivativeFinancialAssetsHeldForTradingClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Trading assets</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_OtherFinancialAssetsClassifiedAsCashEquivalents" xlink:label="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents" xlink:to="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of other financial assets, classified as cash equivalents.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other Financial Assets, Classified As Cash Equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_OtherFinancialAssetsClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other financial assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_BankingArrangementsClassifiedAsCashEquivalents" xlink:label="ifrs-full_BankingArrangementsClassifiedAsCashEquivalents" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_BankingArrangementsClassifiedAsCashEquivalents" xlink:to="ifrs-full_BankingArrangementsClassifiedAsCashEquivalents_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_BankingArrangementsClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Other banking arrangements, classified as cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_BankingArrangementsClassifiedAsCashEquivalents_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to banks - amortised cost</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashCollateralPostedRelatedToDerivativeLiabilities" xlink:label="nwg_CashCollateralPostedRelatedToDerivativeLiabilities" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashCollateralPostedRelatedToDerivativeLiabilities" xlink:to="nwg_CashCollateralPostedRelatedToDerivativeLiabilities_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashCollateralPostedRelatedToDerivativeLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of cash collateral posted with bank counterparties in respect of derivative liabilities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashCollateralPostedRelatedToDerivativeLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash Collateral Posted Related To Derivative Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CashCollateralPostedRelatedToDerivativeLiabilities_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash collateral posted with bank counterparties</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_CashAbstract" xlink:label="ifrs-full_CashAbstract" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_CashAbstract" xlink:to="ifrs-full_CashAbstract_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_CashAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash [abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_CashAbstract_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_MandatoryReserveDepositsAtCentralBanks" xlink:label="ifrs-full_MandatoryReserveDepositsAtCentralBanks" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_MandatoryReserveDepositsAtCentralBanks" xlink:to="ifrs-full_MandatoryReserveDepositsAtCentralBanks_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_MandatoryReserveDepositsAtCentralBanks_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Mandatory reserve deposits at central banks</label>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_DirectorMember" xlink:label="srt_DirectorMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_DirectorMember" xlink:to="srt_DirectorMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_DirectorMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Director</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NonExecutiveDirectorsMember" xlink:label="nwg_NonExecutiveDirectorsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NonExecutiveDirectorsMember" xlink:to="nwg_NonExecutiveDirectorsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NonExecutiveDirectorsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for non-executive directors.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NonExecutiveDirectorsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Non-executive directors</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ChairmanAndExecutiveDirectorsMember" xlink:label="nwg_ChairmanAndExecutiveDirectorsMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ChairmanAndExecutiveDirectorsMember" xlink:to="nwg_ChairmanAndExecutiveDirectorsMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ChairmanAndExecutiveDirectorsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for the chairman and executive directors.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ChairmanAndExecutiveDirectorsMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Chairman and executive directors</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits" xlink:label="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits" xlink:to="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Key management personnel compensation, short-term employee benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_KeyManagementPersonnelCompensationShorttermEmployeeBenefits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Short-term benefits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment" xlink:label="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment" xlink:to="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Key management personnel compensation, share-based payment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_KeyManagementPersonnelCompensationSharebasedPayment_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Share-based payments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DirectorsRemunerationExpense" xlink:label="ifrs-full_DirectorsRemunerationExpense" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DirectorsRemunerationExpense" xlink:to="ifrs-full_DirectorsRemunerationExpense_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DirectorsRemunerationExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Directors' remuneration expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_DirectorsRemunerationExpense_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total Directors' remuneration</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:label="ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:to="ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Key management personnel compensation, post-employment benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Post-employment benefits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelCompensation" xlink:label="ifrs-full_KeyManagementPersonnelCompensation" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_KeyManagementPersonnelCompensation" xlink:to="ifrs-full_KeyManagementPersonnelCompensation_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_KeyManagementPersonnelCompensation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Key management personnel compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="ifrs-full_KeyManagementPersonnelCompensation_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Total remuneration</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_KeyManagementPersonnelOfEntityOrParentMember" xlink:label="ifrs-full_KeyManagementPersonnelOfEntityOrParentMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_KeyManagementPersonnelOfEntityOrParentMember" xlink:to="ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_KeyManagementPersonnelOfEntityOrParentMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">key management personnel</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AmountsReceivableRelatedPartyTransactions" xlink:label="ifrs-full_AmountsReceivableRelatedPartyTransactions" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AmountsReceivableRelatedPartyTransactions" xlink:to="ifrs-full_AmountsReceivableRelatedPartyTransactions_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AmountsReceivableRelatedPartyTransactions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Amounts receivable, related party transactions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_AmountsReceivableRelatedPartyTransactions_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Loans to directors</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NumberOfDirectorsWithOutstandingLoanBalance" xlink:label="nwg_NumberOfDirectorsWithOutstandingLoanBalance" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NumberOfDirectorsWithOutstandingLoanBalance" xlink:to="nwg_NumberOfDirectorsWithOutstandingLoanBalance_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NumberOfDirectorsWithOutstandingLoanBalance_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the number of directors with outstanding loan balances.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NumberOfDirectorsWithOutstandingLoanBalance_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of Directors with Outstanding Loan Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_NumberOfDirectorsWithOutstandingLoanBalance_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Number of directors with outstanding loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_AssociatesMember" xlink:label="ifrs-full_AssociatesMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_AssociatesMember" xlink:to="ifrs-full_AssociatesMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_AssociatesMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Associate</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_HmTreasuryMember" xlink:label="nwg_HmTreasuryMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_HmTreasuryMember" xlink:to="nwg_HmTreasuryMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_HmTreasuryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">It represents HM Treasury Member.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_HmTreasuryMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">HM Treasury</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_CashRatioDeposits" xlink:label="nwg_CashRatioDeposits" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_CashRatioDeposits" xlink:to="nwg_CashRatioDeposits_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_CashRatioDeposits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash ratio deposits (CRDs) are non-interest bearing deposits lodged with the Bank of England by eligible institutions (ie. banks and building societies), who have reported average eligible liabilities (ELs) of over 600 million over a calculation period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_CashRatioDeposits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash ratio deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_CashRatioDeposits_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Cash ratio deposits</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit" xlink:to="nwg_ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">The amount of threshold eligible liabilities to calculate non-interest bearing deposit used to determine the ratio deposit.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Threshold Eligible Liabilities To Calculate Noninterest Bearing Deposit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ThresholdEligibleLiabilitiesToCalculateNoninterestBearingDeposit_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Threshold eligible liabilities</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee" xlink:label="nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee" xlink:to="nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the percentage extend to ownership voting rights of the investee company.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Extended Investment Ownership Voting Rights of the Investee</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_ExtendedInvestmentOwnershipVotingRightsOfInvestee_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Investment extended to ownership voting rights (as a percentage)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xlink:label="ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xlink:to="ifrs-full_ProportionOfOwnershipInterestInSubsidiary_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ProportionOfOwnershipInterestInSubsidiary_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Proportion of ownership interest in subsidiary</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ProportionOfOwnershipInterestInSubsidiary_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Percentage of ownership interest</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTypesOfInsuranceContractsTable" xlink:label="ifrs-full_DisclosureOfTypesOfInsuranceContractsTable" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTypesOfInsuranceContractsTable" xlink:to="ifrs-full_DisclosureOfTypesOfInsuranceContractsTable_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTypesOfInsuranceContractsTable_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of types of insurance contracts [table]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember" xlink:label="nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember" xlink:to="nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Notice of redemption of instruments that can no longer be included as part of Tier 1 capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_NoticeOfRedemptionOfInstrumentsThatCanNoLongerBeIncludedAsPartOfTier1CapitalMember_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Notice of redemption of instruments that can no longer be included as part of Tier 1 capital [Member]</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member" xlink:label="nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member" xlink:to="nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Represents the information pertaining to USD Series U Non-Cumulative Dollar Preference Shares (ISIN US39057AA62) [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">USD Series U Non-Cumulative Dollar Preference Shares (ISIN US39057AA62) [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_UsdSeriesUNonCumulativeDollarPreferenceSharesIsinUs39057aa62Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">USD Series U Non-Cumulative Dollar Preference Shares (ISIN US39057AA62)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member" xlink:label="nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member" xlink:to="nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">These member stand for Perpetual Regulatory Tier One Security (ISIN US780097AH44)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Perpetual Regulatory Tier One Security (ISIN US780097AH44) [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_PerpetualRegulatoryTierOneSecurityIsinUs780097ah44Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Perpetual Regulatory Tier One Security (ISIN US780097AH44)</label>
    <loc xlink:type="locator" xlink:href="nwg-20211231.xsd#nwg_FixedToFloatingRateNotesDue8March2023Member" xlink:label="nwg_FixedToFloatingRateNotesDue8March2023Member" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nwg_FixedToFloatingRateNotesDue8March2023Member" xlink:to="nwg_FixedToFloatingRateNotesDue8March2023Member_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="nwg_FixedToFloatingRateNotesDue8March2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">This member stands for Fixed to Floating Rate notes due 8 March 2023</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="nwg_FixedToFloatingRateNotesDue8March2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fixed to Floating Rate notes due 8 March 2023 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="nwg_FixedToFloatingRateNotesDue8March2023Member_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Fixed to Floating Rate notes due 8 March 2023</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems" xlink:label="ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems" xlink:to="ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Disclosure of types of insurance contracts [line items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_DisclosureOfTypesOfInsuranceContractsLineItems_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Post balance sheet events</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2021-03-24/full_ifrs/full_ifrs-cor_2021-03-24.xsd#ifrs-full_ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments" xlink:label="ifrs-full_ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments" xmlns="http://www.xbrl.org/2003/linkbase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ifrs-full_ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments" xlink:to="ifrs-full_ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments_lbl" xmlns="http://www.xbrl.org/2003/linkbase" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ifrs-full_ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Expected cash outflow on redemption or repurchase of puttable financial instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ifrs-full_ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments_lbl" xml:lang="en-US" xmlns="http://www.xbrl.org/2003/linkbase">Redemption of preference shares</label>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>13
<FILENAME>nwg-20211231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
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